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17 December 2021

Do you want dental with that? A closer look at health insurance Extras

We are all a little different. And health insurance policies are different too, from the level of Hospital cover you can choose to all the Extras you can add on. Speaking of those Extras, they’re those treatments that are generally not covered by Medicare, like dental, optical and physio. So whether you live a sporty lifestyle and are taking charge of your preventative health, want to keep your smile bright and popping for Insta, or just want to sit back with your peace of mind – whatever the reason – Extras could be a great way to get on top of your health. Here, we take a closer look at health insurance Extras.

Types of Extras

Just like you choose your level of Hospital cover, you can choose your Extras, too. But, heads up: extras come in packages. You can choose between packages that bundle together the most common basics, a handy mix in the middle, and a more comprehensive suite – or what your burger shop might call “the lot”.

Matching an extras package to your lifestyle and future

One of the handy things about Extras is in how they differ to Hospital cover. While Hospital cover can help you when you need it, you can think about Extras more as a part of your everyday life (and you can plan out your Extras to suit your lifestyle).


Firstly, think about the type of Extras you might need to use…
Are you a sporty type? You might want to think about physiotherapy.
A big reader or simply in need of ongoing eye care? Optical is probably a must-have.
Do you spend a lot of time on your feet at work? You might consider podiatry.
Is your work particularly physical? Massage and chiro could be a good call for you.
Care about your smile? Well, make sure you check out your options for dental.
Or do you just want to have peace of mind that you are covered for these common services should the unexpected happen?


Secondly, consider what kind of package works for you…

Typically, the essentials cover the most common things: optical, dental and physio. Great for basic, general health. Everyday cover usually includes the basics but adds preventative treatments (like bowel screening or bone density testing, for example), and some might include orthodontics and podiatry. Then there are the premium extras packages, which typically get you more money back on your upfront costs on a bunch of the above treatments plus add specialist things like orthotics and pre- and post-natal care.

What it boils down to is first deciding if Extras can add value to your lifestyle, then choosing the right Extras to suit, so you can keep living it to the fullest.

How do Extras work?

Extras sound pretty good, right? If you’re looking to access additional health services on top of Hospital cover, it could be a no-brainer to check them out. But, you might be wondering how it all works?

Basically, your Extras cover will pay back to you a percentage of the cost of the service. Have a think about how many visits per year you make to the dentist, optometrist, physiotherapist and chiropractor (among others). Add them all up and work out what you could save if you received a portion of money back each visit. Keep in mind that all Extras have a limit on how much you can claim per year, and there are waiting periods, so factor these things in to your budget and your needs.

Ready to get extra?
Now that you've got the low-down on Extras, find out more about ING health insurance below.
All too complicated still? Our friendly team are ready and waiting to answer your questions 1800 111 831.

ING Health Insurance is issued by nib health funds limited (ABN 83 000 124 381) (nib), a registered private health insurer, and is marketed by ING. ING is an authorised agent of nib and receives commission from nib. An ING Health Insurance policy issued does not represent a deposit with or liability of, and is not guaranteed or otherwise supported by, ING or its related bodies corporate.

ING Bank (Australia) Limited cannot advise on financial or tax matters. Any information provided to you is general in nature and does not take account of your individual circumstances. You should obtain your own independent financial advice.

To purchase ING Health Insurance Hospital Cover or to claim for Hospital or Medical Treatment, all those listed on the Policy must be Australian Citizens, Permanent Residents of Australia or entitled to full reciprocal rights under Medicare, registered for Medicare and listed on an active Medicare card. ING Health Insurance policies are subject to the ING customer eligibility and name screening assessment at inception and while holding the product. Please refer to the Customer Eligibility and Name Screening document.

This is general information only, and does not take into account your particular objectives, financial situation and needs and you should consider whether it is appropriate for you having regard to these factors before acting on it. Read the relevant Policy Booklet, Target Market Determination, Financial Services Guide and the ING Customer Eligibility and Name-Screening document available at and consider if an ING Health Insurance product is right for you before deciding to purchase or continue to hold the product.

The price we quote is set by the Insurer (nib). Any discounts or offers may change at any time without notice. If the policy renews, the price may exceed the price paid for the previous policy. Base premiums are subject to change. You will be responsible for all applicable GST and other statutory charges.


The information is current as at publication. Any advice on this website does not take into account your objectives, financial situation or needs and you should consider whether it is appropriate for you. Deposit products, savings products, credit card and home loan products are issued by ING, a business name of ING Bank (Australia) Limited ABN 24 000 893 292, AFSL and Australian Credit Licence 229823. Living Super, a sub-plan of OneSuper ABN 43 905 581 638 is issued by Diversa Trustees Limited ABN 49 006 421 638, AFSL 235153 RSE L0000635. The insurance cover offered by Living Super is provided by Metlife Insurance Limited ABN 75 004 274 882, AFSL 238096. ING Insurance is issued by Auto & General Insurance Company Limited (AGIC) ABN 42 111 586 353 AFSL Licence No 285571 as insurer. It is distributed by Auto & General Services Pty Ltd (AGS) ABN 61 003 617 909 AFSL 241411 and by ING as an Authorised Representative AR 1247634 of AGS. All applications for credit are subject to ING's credit approval criteria, and fees and charges apply. You should consider the relevant Product Disclosure Statement, Terms and Conditions, Fees and Limits Schedule, Financial Services Guide, Key Facts Sheet and Credit Guide available at when deciding whether to acquire, or to continue to hold, a product. Before interacting with us via our social media platforms, please take a minute to familiarise yourself with our Social Media User Terms

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