Extras cover · November 2026
Best extras cover for podiatry
131 extras policies from funds anyone can join pay towards this. For four podiatry visits a year, none of the 131 pays back what it costs. Mildura Health’s Base Extras - A comes closest, $45 behind.
The ten that come closest
Worked for one adult in NSW, under 65, on the Base rebate, over a year: 4 × podiatry at $85. That is $340 with no cover. Ahead means the policy paid back more than its premiums; behind means paying your own way would have cost less.
$153 in premiums, $108 back
Go to Mildura Health (opens in a new tab)$239 in premiums, $100 back
Go to Latrobe (opens in a new tab)$316 in premiums, $148 back
Go to Mildura Health (opens in a new tab)$299 in premiums, $120 back
Go to Westfund (opens in a new tab)$399 in premiums, $200 back
Go to Health Partners (opens in a new tab)$365 in premiums, $120 back
Go to Queensland Country (opens in a new tab)$469 in premiums, $200 back
Go to Health Partners (opens in a new tab)$500 in premiums, $200 back
Go to Health Partners (opens in a new tab)$521 in premiums, $204 back
Go to GMHBA (opens in a new tab)$520 in premiums, $200 back
Go to Australian Seniors (opens in a new tab)
The middle policy of the 131 leaves you $682 behind, and the one at the bottom, Bupa’s Top Extras 90, $1,936 behind. A policy near the bottom is not a bad policy: it covers far more than four podiatry 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 131.
- Medibank Growing Family 6037th$518 behind
- Bupa FLEXtras 4 Standard 5014th$345 behind
- HCF Choose My Extras25th$413 behind
- nib Seniors Essentials Extras10th$320 behind
- HBF Core Extras24th$412 behind
- ahm Family Extras67th$691 behind
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 | Mildura Health Base Extras - A | $45 behind | 0 of 131 |
| VIC | Mildura Health Base Extras - A | $45 behind | 0 of 131 |
| QLD | Mildura Health Base Extras - A | $45 behind | 0 of 129 |
| WA | Mildura Health Base Extras - A | $45 behind | 0 of 131 |
| SA | Mildura Health Base Extras - A | $45 behind | 0 of 131 |
| TAS | Mildura Health Base Extras - A | $45 behind | 0 of 130 |
| NT | Mildura Health Base Extras - A | $45 behind | 0 of 131 |
What to know
Podiatry consultations and orthotics are separate benefits on most policies. This ranking counts consultations only.
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.