Benefit Comparison | Primary Care Extra

We believe that our plans and benefits stand up for themselves, so take a look at the tables below

at how we compare against the two main providers in the market with similar plans to our own. 

As at Feb 2021

HealthCare+ NIB Southern Cross
Primary Care Extra EveryDay Cover Health Essentials
Medical, Specialists, and Tests (inc GP visits)
Medical, Specialists, and Tests (inc GP visits) ✔ 50% up to $1000pa 60% up to $350pa 75% up to $150pa
  Complementary Medical e.g. Physio
Complementary Medical e.g. Physio ✔ 50% up to $500pa 60% up to $350pa
Some sub limits
75% up to $250pa
  Optical
Optical ✔ 50% up to $250pa
Includes exam
60% up to $350pa
Excludes exam
75% up to $350pa
  Dental
Dental ✔ 50% up to $250pa 60% up to $750 75% up to $500
  Orthodontic Treatment
Orthodontic Treatment ✔ 30% up to $750pa per insured child - $1500 max Covered under dental benefit Covered under dental benefit
  Hospital Treatment
Hospital Treatment ✔ 50% of $1000pa No Cover No Cover
  Major Diagnostic Imaging
Major Diagnostic Imaging ✔ 50% up to $600pa No Cover No Cover
  Bereavement Grant
Bereavement Grant ✔ $1000 No Cover No Cover
  Birth Grant
Birth Grant ✔ $200 No Cover No Cover
  Medical Appliance
Medical Appliance ✔ 50% up to $400pa No Cover No Cover
  Sick Leave Without Pay
Sick Leave Without Pay ✔ $50 per week
Up to 26 weeks
No Cover No Cover
  Cover for Pre-Existing Conditions after initial wait periods
Cover for Pre-Existing Conditions after initial wait periods

 Please Note: A comparison between Health Insurance plans based solely on premiums is difficult as all insurers have differences in what events and conditions they cover, how much they refund in the event of a claim, and how their premiums are impacted by age and family status. 

If you want to do a more detailed comparison, we suggest that you download a copy of the appropriate plans from the insurer’s website and please make sure you also look at the Terms and Conditions.