Extras cover · November 2026
Best extras cover for chiro
187 extras policies from funds anyone can join pay towards this. For eight chiropractic visits a year, six of the 187 pay back more than they cost. Bupa’s Freedom 50 does best, +$128 ahead.
The ten that come out best
Worked for one adult in NSW, under 65, on the Base rebate, over a year: 8 × chiropractic at $80. That is $640 with no cover. Ahead means the policy paid back more than its premiums; behind means paying your own way would have cost less.
$192 in premiums, $320 back
Go to Bupa (opens in a new tab)$193 in premiums, $300 back
Go to ahm (opens in a new tab)$341 in premiums, $384 back
Go to GMHBA (opens in a new tab)$260 in premiums, $300 back
Go to ahm (opens in a new tab)$153 in premiums, $168 back
Go to Mildura Health (opens in a new tab)$200 in premiums, $200 back
Go to nib (opens in a new tab)$165 in premiums, $150 back
Go to HCF (opens in a new tab)$265 in premiums, $250 back
Go to GMHBA (opens in a new tab)$202 in premiums, $184 back
Go to HBF (opens in a new tab)$407 in premiums, $384 back
Go to Health Partners (opens in a new tab)
The middle policy of the 187 leaves you $433 behind, and the one at the bottom, Bupa’s Top Extras 90, $1,942 behind. A policy near the bottom is not a bad policy: it covers far more than eight chiropractic visits, and you would be paying for all of it.
Your year is not exactly this one.
Put in what you actually use, in your state, for a couple or a family, and the calculator ranks every policy against it. It takes about two minutes and asks for no name or email.
Work out mine →Where the biggest funds land
The best policy for this from each of the six largest brands, and its place among all 187.
- Medibank Essential Extras 6019th$81 behind
- Bupa Freedom 501st+$128 ahead
- HCF Starter Extras7th$15 behind
- nib Value Extras6theven
- HBF Smart Start Extras9th$18 behind
- ahm black 50 saver2nd+$107 ahead
State by state
Premiums differ by state, so the order does too. The best policy for one adult in each state, and how many pay back at least what they cost there. Prices in the ACT follow NSW.
| State | Best policy | Over the year | Ahead |
|---|---|---|---|
| NSW | Bupa Freedom 50 | +$128 ahead | 6 of 187 |
| VIC | Bupa Freedom 50 | +$130 ahead | 6 of 187 |
| QLD | Bupa Freedom 50 | +$128 ahead | 6 of 184 |
| WA | Bupa Freedom 50 | +$128 ahead | 7 of 187 |
| SA | Bupa Freedom 50 | +$128 ahead | 7 of 187 |
| TAS | Bupa Freedom 50 | +$134 ahead | 10 of 186 |
| NT | Bupa Freedom 50 | +$130 ahead | 12 of 187 |
What to know
Chiropractic is usually paid at a set amount per visit up to a yearly limit, and that limit is often shared with osteopathy or physio. If you use more than one of those, the shared limit runs out sooner than each benefit suggests.
Waiting periods count against every policy here, as they would for someone joining now. If you already hold a policy and have served its waits, the calculator can price it beside every other one.
Best extras for something else
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. Typical prices are the calculator’s defaults and your provider may charge more or less. 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.