Extras cover · November 2026
Best extras cover, by what you use it for
The best extras policy is the one that pays back more than it costs for the things you actually claim. For most single uses, very few do. Each ranking below takes every policy from every fund anyone can join and works out a year of it.
Pick what you use
- Dental7 of 219 ahead
A year of two dental visits. Best: GMHBA SmartCare Starter Extras, +$59 ahead.
- Glasses1 of 191 ahead
A year of one pair of prescription glasses. Best: Mildura Health Base Extras - A, +$32 ahead.
- Dental and glasses5 of 189 ahead
A year of two dental visits and one pair of prescription glasses. Best: Latrobe Core Essential Extras, +$49 ahead.
- Physio10 of 203 ahead
A year of eight physio sessions. Best: Bupa Freedom 50, +$168 ahead.
- Chiro6 of 187 ahead
A year of eight chiropractic visits. Best: Bupa Freedom 50, +$128 ahead.
- Remedial massage1 of 174 ahead
A year of eight remedial massages. Best: see-u Easy Extras, +$5 ahead.
- Psychology3 of 140 ahead
A year of six psychology sessions. Best: Medibank Healthy Start Extras, +$154 ahead.
- Podiatry0 of 131 ahead
A year of four podiatry visits. Best: Mildura Health Base Extras - A, $45 behind.
Worked for one adult in NSW, under 65, on the Base rebate, at typical prices. Ahead means the policy paid back at least its premiums over the year.
Use more than one thing?
Most people do. The calculator takes your whole year, in your state, for one person or a family, and ranks every policy against it.
Work out mine →Worked from the Australian Government’s Private Health Open Listing, 01-Nov-2026, with the same sums as the calculator: listed premiums after the rebate, benefits capped by each policy’s limits and waiting periods. Restricted funds, corporate products and extras sold only with a hospital policy are left out. How the sums work.
This is general information, not personal financial advice. Confirm the premium and benefits with the fund before you buy or switch. Independent of every fund listed · No affiliate fees, no commissions.