Is private health insurance extras worth it in Australia?

It depends on your healthcare usage. The free calculator takes the dental, optical, physio and other services you expect to use and works out, for every matching policy, what you would pay in premiums and get back in benefits after waiting periods and limits.

How do I compare health insurance extras policies?

Enter your state, cover type (single/couple/family), and the healthcare services you expect to use. The calculator ranks every matching policy by what it returns against what it costs, and shows the working for each one.

Is the calculator free?

Yes. The verdict, the ranked policies and the working behind each one are all free. There is no subscription, and we never take commissions from insurers.

What is included in extras cover?

Extras cover (also called ancillary or general treatment) typically includes dental, optical, physiotherapy, chiropractic, remedial massage, podiatry, psychology and other allied health services not covered by Medicare.

Extras cover

ahm extras cover: which policies are worth it?

ahm sells 18 extras policies you can take out on their own. For someone with two dental visits and new glasses in a year, 2 pay back more than they cost.

Go to ahm

Every ahm extras policy

Each one worked for one adult in NSW unless marked, under 65, after the rebate, over a year at typical prices. The three columns are a year with one dental check-up a year; two dental visits and new glasses; two dental visits, new glasses and six physio sessions.

choosable 50 – teeth$17.45$59 behind+$41 ahead+$41 ahead$17.45 a month before the rebateA check-up$59 behindTeeth and glasses+$41 aheadTeeth, glasses, physio+$41 ahead
black 50 saver$21.25$93 behind+$7 ahead+$277 ahead$21.25 a month before the rebateA check-up$93 behindTeeth and glasses+$7 aheadTeeth, glasses, physio+$277 ahead
black 50$28.60$160 behind$60 behind+$210 ahead$28.60 a month before the rebateA check-up$160 behindTeeth and glasses$60 behindTeeth, glasses, physio+$210 ahead
choosable 60 – teeth / eyes$56.05$390 behind$90 behind$90 behind$56.05 a month before the rebateA check-up$390 behindTeeth and glasses$90 behindTeeth, glasses, physio$90 behind
black 60$59.10$418 behind$98 behind+$226 ahead$59.10 a month before the rebateA check-up$418 behindTeeth and glasses$98 behindTeeth, glasses, physio+$226 ahead
value extras$44.50$405 behind$225 behind$69 behind$44.50 a month before the rebateA check-up$405 behindTeeth and glasses$225 behindTeeth, glasses, physio$69 behind
choosable 60 – teeth / eyes / muscle & bone$72.70$542 behind$242 behind+$82 ahead$72.70 a month before the rebateA check-up$542 behindTeeth and glasses$242 behindTeeth, glasses, physio+$82 ahead
choosable 60 – teeth / eyes / wellbeing$73.05$545 behind$245 behind$245 behind$73.05 a month before the rebateA check-up$545 behindTeeth and glasses$245 behindTeeth, glasses, physio$245 behind
choosable 60 – teeth / wellbeing$59.05$418 behind$298 behind$298 behind$59.05 a month before the rebateA check-up$418 behindTeeth and glasses$298 behindTeeth, glasses, physio$298 behind
choosable 60 – teeth / muscle & bone$59.20$419 behind$299 behind+$25 ahead$59.20 a month before the rebateA check-up$419 behindTeeth and glasses$299 behindTeeth, glasses, physio+$25 ahead
black 70$87.90$660 behind$320 behind+$30 ahead$87.90 a month before the rebateA check-up$660 behindTeeth and glasses$320 behindTeeth, glasses, physio+$30 ahead
choosable 60 – teeth / eyes / wellbeing / muscle & bone$86.85$671 behind$371 behind$47 behind$86.85 a month before the rebateA check-up$671 behindTeeth and glasses$371 behindTeeth, glasses, physio$47 behind
classic extras$60.15$548 behind$398 behind$242 behind$60.15 a month before the rebateA check-up$548 behindTeeth and glasses$398 behindTeeth, glasses, physio$242 behind
choosable 60 – teeth / wellbeing / muscle & bone$76.95$581 behind$461 behind$137 behind$76.95 a month before the rebateA check-up$581 behindTeeth and glasses$461 behindTeeth, glasses, physio$137 behind
black 70 boost$108.30$846 behind$506 behind$128 behind$108.30 a month before the rebateA check-up$846 behindTeeth and glasses$506 behindTeeth, glasses, physio$128 behind
Lifestyle Extras$80.70$735 behind$535 behind$343 behind$80.70 a month before the rebateA check-up$735 behindTeeth and glasses$535 behindTeeth, glasses, physio$343 behind
Family Extras$86.85$791 behind$571 behind$403 behind$86.85 a month before the rebateA check-up$791 behindTeeth and glasses$571 behindTeeth, glasses, physio$403 behind
Super Extras$134.95$1,189 behind$899 behind$695 behind$134.95 a month before the rebateA check-up$1,189 behindTeeth and glasses$899 behindTeeth, glasses, physio$695 behind

These are three set examples, not your year.

Put in what you actually use and the calculator ranks every policy from every fund, ahm included.

Work out mine →

Worked from the Australian Government’s Private Health Open Listing, 01-Oct-2026, with the same sums as the calculator: listed premiums after the rebate, benefits capped by each policy’s limits and waiting periods. 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.