Extras cover · November 2026
Best extras cover for physio
203 extras policies from funds anyone can join pay towards this. For eight physio sessions a year, ten of the 203 pay back more than they cost. Bupa’s Freedom 50 does best, +$168 ahead.
The ten that come out best
Worked for one adult in NSW, under 65, on the Base rebate, over a year: 8 × physiotherapy at $90. That is $720 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, $360 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, $432 back
Go to GMHBA (opens in a new tab)$220 in premiums, $300 back
Go to Australian Unity (opens in a new tab)$370 in premiums, $432 back
Go to HCF (opens in a new tab)$155 in premiums, $200 back
Go to see-u (opens in a new tab)$260 in premiums, $300 back
Go to ahm (opens in a new tab)$153 in premiums, $192 back
Go to Mildura Health (opens in a new tab)$239 in premiums, $240 back
Go to Latrobe (opens in a new tab)$200 in premiums, $200 back
Go to nib (opens in a new tab)
The middle policy of the 203 leaves you $383 behind, and the one at the bottom, Bupa’s Top Extras 90, $1,924 behind. A policy near the bottom is not a bad policy: it covers far more than eight physio sessions, 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 203.
- Medibank Essential Extras 6022nd$57 behind
- Bupa Freedom 501st+$168 ahead
- HCF Flex My Extras5th+$62 ahead
- nib Value Extras10theven
- HBF Smart Start Extras12th$2 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 | +$168 ahead | 10 of 203 |
| VIC | Bupa Freedom 50 | +$170 ahead | 10 of 203 |
| QLD | Bupa Freedom 50 | +$168 ahead | 10 of 200 |
| WA | Bupa Freedom 50 | +$168 ahead | 14 of 203 |
| SA | Bupa Freedom 50 | +$168 ahead | 11 of 203 |
| TAS | Bupa Freedom 50 | +$174 ahead | 18 of 201 |
| NT | Bupa Freedom 50 | +$170 ahead | 21 of 203 |
What to know
Most policies pay a set amount per physio session, often less for follow-up sessions than for the first, up to a yearly limit. On many policies that limit is shared with chiro, osteo and other therapies.
If your GP has put you on a chronic disease management plan, Medicare pays towards up to five allied health sessions a year. You cannot claim the same session from both Medicare and a fund.
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.