extras only health insurance

Extras Only Health Insurance: Understanding Your Options

extras only health insurance

What is Extras Only Health Insurance?

Extras only health insurance is a type of health insurance that covers additional expenses not covered by basic health insurance, such as dental, optical, and physiotherapy. It is designed to supplement your existing health insurance policy and provide you with more comprehensive coverage.

Extras only health insurance can be purchased as a stand-alone policy or as an add-on to your existing health insurance policy. The cost of extras only health insurance will vary depending on the level of coverage you choose and the insurance provider you select.

Benefits of Extras Only Health Insurance

There are many benefits to having extras only health insurance, including:

Reduced Out-of-Pocket Expenses

Extras only health insurance can help you save money on out-of-pocket expenses for covered services. For example, if you have dental insurance, you may only have to pay a small co-pay for a dental checkup or cleaning.

Improved Access to Care

Extras only health insurance can give you access to a wider range of healthcare providers and services. For example, if you have optical insurance, you may be able to see an optometrist or ophthalmologist without having to pay a high deductible.

Peace of Mind

Having extras only health insurance can give you peace of mind knowing that you are covered for a wider range of healthcare services. This can be especially important if you have a family or if you are self-employed.

What Does Extras Only Health Insurance Cover?

Extras only health insurance can cover a wide range of services, including:

Dental

Dental insurance can cover a variety of dental services, such as checkups, cleanings, fillings, and crowns. The amount of coverage you have will vary depending on the policy you choose.

Optical

Optical insurance can cover a variety of optical services, such as eye exams, glasses, and contact lenses. The amount of coverage you have will vary depending on the policy you choose.

Physiotherapy

Physiotherapy insurance can cover a variety of physiotherapy services, such as massage therapy, acupuncture, and chiropractic care. The amount of coverage you have will vary depending on the policy you choose.

Other Types of Extras Only Health Insurance

In addition to the above, there are a number of other types of extras only health insurance available, including:

Ambulance cover

Ambulance cover can help you pay for the cost of an ambulance ride in the event of an emergency.

Chiropractic care

Chiropractic care insurance can help you pay for the cost of chiropractic care.

Massage therapy

Massage therapy insurance can help you pay for the cost of massage therapy.

Naturopathy

Naturopathy insurance can help you pay for the cost of naturopathy.

How to Choose an Extras Only Health Insurance Policy

When choosing an extras only health insurance policy, it is important to consider the following factors:

Coverage

Make sure the policy you choose provides coverage for the services you need. For example, if you have a family history of dental problems, you may want to choose a policy with a high level of dental coverage.

Cost

The cost of extras only health insurance will vary depending on the level of coverage you choose and the insurance provider you select. It is important to compare quotes from different insurance providers before making a decision.

Deductible

A deductible is the amount of money you have to pay out of pocket before your insurance coverage begins. The higher the deductible, the lower your monthly premium will be. It is important to choose a deductible that you are comfortable with.

Co-payments

A co-payment is the amount of money you have to pay for a covered service. The amount of the co-payment will vary depending on the service you are receiving and the policy you choose.

Conclusion

Extras only health insurance can be a valuable addition to your existing health insurance policy. It can help you save money on out-of-pocket expenses, improve your access to care, and give you peace of mind. When choosing an extras only health insurance policy, it is important to consider the coverage, cost, deductible, and co-payments. By comparing quotes from different insurance providers, you can find the policy that best meets your needs and budget.

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