Extras cover · November 2026
Best extras cover for remedial massage
174 extras policies from funds anyone can join pay towards this. For eight remedial massages a year, one of the 174 pays back more than it costs. see-u’s Easy Extras does best, +$5 ahead.
The ten that come out best
Worked for one adult in NSW, under 65, on the Base rebate, over a year: 8 × remedial massage 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.
$155 in premiums, $160 back
Go to see-u (opens in a new tab)$165 in premiums, $150 back
Go to HCF (opens in a new tab)$239 in premiums, $200 back
Go to Latrobe (opens in a new tab)$220 in premiums, $150 back
Go to Australian Unity (opens in a new tab)$258 in premiums, $176 back
Go to Frank (opens in a new tab)$365 in premiums, $280 back
Go to Queensland Country (opens in a new tab)$326 in premiums, $240 back
Go to Latrobe (opens in a new tab)$316 in premiums, $216 back
Go to Mildura Health (opens in a new tab)$202 in premiums, $100 back
Go to HBF (opens in a new tab)$218 in premiums, $100 back
Go to HCF (opens in a new tab)
The middle policy of the 174 leaves you $528 behind, and the one at the bottom, Bupa’s Top Extras 90, $1,977 behind. A policy near the bottom is not a bad policy: it covers far more than eight remedial massages, 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 174.
- Medibank Healthy Start Extras18th$196 behind
- Bupa Starter Extras26th$227 behind
- HCF Starter Extras2nd$15 behind
- nib Qantas Starter Extras34th$289 behind
- HBF Smart Start Extras9th$102 behind
- ahm value extras25th$221 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 | see-u Easy Extras | +$5 ahead | 1 of 174 |
| VIC | see-u Easy Extras | +$5 ahead | 1 of 174 |
| QLD | see-u Easy Extras | +$5 ahead | 1 of 171 |
| WA | Latrobe Basic Extras | +$25 ahead | 2 of 174 |
| SA | see-u Easy Extras | +$5 ahead | 1 of 174 |
| TAS | HCF Starter Extras | +$16 ahead | 3 of 171 |
| NT | HCF Starter Extras | +$36 ahead | 2 of 174 |
What to know
Funds only pay for remedial massage from a therapist they recognise, and the benefit per visit is usually small against the fee. Yearly limits for massage are among the lowest of any extras benefit.
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.