Extras cover · November 2026
Best extras cover for psychology
140 extras policies from funds anyone can join pay towards this. For six psychology sessions a year, three of the 140 pay back more than they cost. Medibank’s Healthy Start Extras does best, +$154 ahead.
The ten that come out best
Worked for one adult in NSW, under 65, on the Base rebate, over a year: 6 × psychology at $200. That is $1,200 with no cover. Ahead means the policy paid back more than its premiums; behind means paying your own way would have cost less.
$346 in premiums, $500 back
Go to Medibank (opens in a new tab)$467 in premiums, $600 back
Go to HBF (opens in a new tab)$616 in premiums, $720 back
Go to GMHBA (opens in a new tab)$721 in premiums, $720 back
Go to HBF (opens in a new tab)$316 in premiums, $270 back
Go to Mildura Health (opens in a new tab)$815 in premiums, $720 back
Go to GMHBA (opens in a new tab)$497 in premiums, $400 back
Go to Westfund (opens in a new tab)$200 in premiums, $100 back
Go to nib (opens in a new tab)$508 in premiums, $400 back
Go to HBF (opens in a new tab)$322 in premiums, $200 back
Go to nib (opens in a new tab)
The middle policy of the 140 leaves you $476 behind, and the one at the bottom, Bupa’s Top Extras 90, $1,858 behind. A policy near the bottom is not a bad policy: it covers far more than six psychology 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 140.
- Medibank Healthy Start Extras1st+$154 ahead
- Bupa FLEXtras 4 Standard 5025th$265 behind
- HCF Choose My Extras36th$313 behind
- nib Value Extras8th$100 behind
- HBF Flex 502nd+$133 ahead
- ahm choosable 60 – teeth / wellbeing23rd$238 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 | Medibank Healthy Start Extras | +$154 ahead | 3 of 140 |
| VIC | Medibank Healthy Start Extras | +$130 ahead | 4 of 140 |
| QLD | HBF Flex 50 | +$141 ahead | 4 of 138 |
| WA | HBF Flex 50 | +$162 ahead | 4 of 140 |
| SA | HBF Flex 50 | +$137 ahead | 4 of 140 |
| TAS | HBF Flex 50 | +$221 ahead | 5 of 140 |
| NT | HBF Flex 50 | +$304 ahead | 5 of 140 |
What to know
With a mental health treatment plan from a GP, Medicare pays a rebate on up to ten psychology sessions a year. You cannot claim the same session from both Medicare and a fund, so extras only helps with sessions outside the plan.
Psychology has a two month wait on most policies, and the yearly limit is often a few hundred dollars.
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.