In short 

Extras health insurance helps cover everyday health costs Medicare doesn't, like dental, optical and physio. Police Health's Rolling Extras pays up to 80% back at the provider of your choice, and lets you roll unused limits into the next year.* 

On this page 

What is Extras cover? 

Extras cover is the part of private health insurance that helps with everyday health services Medicare doesn't pay for. 

Think dental check-ups, new glasses, a physio session after an injury, or a visit to the psychologist. 

Hospital cover looks after you when you're admitted to hospital. Extras cover looks after the day-to-day care that keeps you well. 

You can hold Extras cover on its own, or combine it with Hospital cover through Gold Combined. If you're new to all this, our guide on how health insurance works is a good place to start. 

What does Extras cover include? 

Police Health's Rolling Extras includes benefits for a wide range of everyday services, such as: 

  • Dental: check-ups, cleans, fillings and more
  • Optical: prescription glasses and contact lenses
  • Physiotherapy
  • Psychology
  • Chiropractic and complementary therapies
  • And much more – including our unique Rollover Benefit which is explained below. 

High benefits apply to the things members use most, like dental, physio, psychology and complementary therapies.

The exact limits depend on your state,. You can see the full list on the Rolling Extras page. 

How does Police Health's Rolling Extras work? 

When you visit a recognised provider, you pay for your appointment and then claim a portion back from Police Health. When you visit a recognised provider, Rolling Extras helps reduce the cost of your appointment by paying benefits towards eligible services. 

Many claims can be made on the spot, or quickly through the app or member portal. Our guide on how to claim walks you through it. 

Up to 80% back at your choice of provider 

On most Extras services, you'll get up to 80% back, up to the item limit.

There's no preferred provider network. As long as your provider is recognised by us, the choice is yours. 

Rollover: carry unused limits into next year 

This is where Rolling Extras stands out. 

If you don't use your full annual limit on a service, the unused amount can roll over into the next calendar year, so you can make use of any unused benefit.

Rollover applies to the majority of our Extras benefits once you've completed your first 12 months of membership (2 years for Major Dental). You can read more in the Rollover Benefit Guide.* 

A simple example 

Say you don't use your full optical benefit this year because you didn't need new glasses. 

With Rollover, that unused amount can carry into next year, giving you a larger benefit limit to put toward new frames or lenses when you do need them.* 

It's a small difference that can make everyday cover go further, especially for busy policing families. 

Is Extras health insurance right for you? 

Extras cover tends to suit you if you value using health services like dental, optical, physio or psychology, or you'd like help managing those everyday costs. 

Because Police Health is built specifically for the policing community and their families, the cover is designed around the services members actually use. If you'd like both Hospital and Extras together, Gold Combined brings both under one membership at a reduced premium compared with taking each separately. 

Not sure if you're eligible? Have a look at who can join. 

Frequently asked questions 

What's the difference between Hospital and Extras cover? 

Hospital cover helps with the cost of being treated as an admitted patient in hospital. Extras cover helps with out-of-hospital services like dental, optical and physio. Many members hold both through Gold Combined. 

How much do I get back on Extras? 

On most Extras services you'll get up to 80% back, up to the item limit.* The exact amount depends on the service and your state. cover. 

What is the Rollover benefit? 

Rollover lets you carry unclaimed annual benefit limits on most Extras into the next calendar year, once you've completed 12 months of membership (2 years for Major Dental).* 

Can I choose my own provider? 

Yes. There's no preferred provider network. As long as your provider is recognised by us, the choice is yours.* 

Ready to see what Extras cover could do for you?

Get a quote

*All benefits may be subject to Waiting Periods, Limits and other conditions. Rollover applies once you've completed your first 12 months membership (2 years for Major Dental). Providers must be recognised by us. Review the cover tables on the Combined, Hospital and Extras pages, and your State Premium and Benefit Guide or contact us for more information.