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Affordable hospital and extras cover from $3.47* a day

Courtney Allan

Courtney Allan

Updated 10/02/2023

Combined hospital and extra policies can be seriously good value if you know where to look. Here’s how our specialists tackle it.

Affordable hospital and extras cover from $3.47* a day

Think health insurance is too expensive?

Think again.

Compare Club’s specialists know how to find policies that offer combined hospital and extras cover from just $3.47* a day.

People on a budget can get covered for ambulance charges as well as being able to claim back on new glasses and physio appointments.

All for a daily cost that’s less than a long black.

Paying too much?

Australia: We saved our average customer $300* on their average annual premium! Select your age below and see how much you could save!

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Combined cover gives you more value: By having both hospital and extras cover in your back pocket, you can make sure you’re getting value for money whether you’re headed to the hospital or the dentist.

Be cost-conscious.

There’s some seriously good value policies on the market, even for just a few dollars more.

Our specialists help you dig into the detail to make sure you’re getting the most out of a policy:

  • By having appropriate hospital cover, this means that some or all of your expenses are covered in hospital. This depends on your cover and whether or not your health insurer has an agreement with your chosen hospital and doctor.

  • Some extras policies give you 100% back on a dental checkup each year. Look out for how much you’ll get back on major dental if you’re worried about needing a crown or root canal.

  • Get money back on dental, glasses, physio and more.

  • Most Basic hospital cover policies help you avoid the Lifetime Health Cover loading fee if you take it out before you’re 31. You can always upgrade later.

  • Even people in their mid-30s and older can find good value policies when taking out cover for the first time. Using Compare Club’s specialists is one way to find the lowest possible price from our panel of insurers.

Health insurance without the hassle: There’s over 35 health insurers in Australia, all with a range of policies.

So we get it can be a bit of a chore to find the right cover.

With our panel of leading insurers, Compare Club can help.

  • It’s easy to compare policies and insurers side by side then pick the policy that works best for you.

  • Our team takes care of all the paperwork, saving you time as well as money.

  • Over the last 5 years, we've saved our customers an average of $300** off their annual health insurance cost when they switched policies through us.

Even if you don’t currently hold health cover, we’re confident you’ll find a policy - and price - you’ll like.

Our specialists take care of the paperwork, so you can benefit from your policy straight away.


Get combined cover for less than the cost of a flat white by comparing with Compare Club today.

This article is opinion only and should not be taken as medical or financial advice. Check with a financial professional before making any decisions.

*Premium based on Bronze Hospital Plus + Low Extras from HCF with $750 excess for a single individual in NSW, aged under 65 years. Prices here are indicative only. The premium for your state may be cheaper or more expensive, depending on where you live. Price correct as of 13 March 2023.

**Based on 111,658 policies sold Jan 2017 - Feb 2023.