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Health insurance funds generally offer three different types of policies - Hospital cover, Extras cover and Combined cover. Hospital cover usually provides benefits towards medical costs and ambulance transportation to hospital to be treated, as well as the hospital accommodation costs and theatre fees. Extras cover provides benefits towards additional services that are beneficial to your health but not strictly medical - such as dental, physiotherapy and chiropractic consultations. A combined cover is one policy that covers both hospital and extras. Generally, it is cheaper to have a combined cover than a separate hospital and extras cover. In Australia, some choices for health insurance include Australian Unity, AHM and HCF.

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