AIA extras cover
Is AIA Base 55% Back Extras Only worth it?
For one adult in NSW, it pays back more than it costs in one of the three ways of using extras worked through below, and costs more than it pays back in the other two. It is $46.00 a month before the rebate, $34.91 after.
Three ways of using it
Worked for one adult in NSW, under 65, on the 24.118% rebate, over a year, at typical prices: $200 for general dental, $300 for optical and $90 for physiotherapy.
One dental check-up a year
$309 behind
That costs $200 with no cover. On this policy you’d pay $419 in premiums and get $110 back.
38th of the 219 policies from funds anyone can join that cover this. nib’s DentalPass does best, $299 better off over the year.
Two dental visits and new glasses
$49 behind
That costs $700 with no cover. On this policy you’d pay $419 in premiums and get $370 back.
13th of the 189 policies from funds anyone can join that cover this. Latrobe’s Core Essential Extras does best, $98 better off over the year.
Two dental visits, new glasses and six physio sessions
+$248 ahead
That costs $1,240 with no cover. On this policy you’d pay $419 in premiums and get $667 back.
7th of the 181 policies from funds anyone can join that cover this. HCF’s Flex My Extras does best, $121 better off over the year.
Your year won’t look like any of those.
Put in what you actually use and the calculator sets this policy beside every other one, with the working.
What it pays
| Service | Benefit | Yearly limit | Wait |
|---|---|---|---|
| General Dental | 55% of the fee | $500 | 2 months |
| Optical | 100% of the fee | $150 | 6 months |
| Physiotherapy | 55% of the fee | $300shared with chiropractic, exercise physiology and osteopathy | 2 months |
| Chiropractic | 55% of the fee | $300shared with physiotherapy, exercise physiology and osteopathy | 2 months |
| Psychology | 55% of the fee | $150 | 2 months |
| Acupuncture | 55% of the fee | $100shared with remedial massage | 2 months |
| Remedial Massage | 55% of the fee | $100shared with acupuncture | 2 months |
| Dietetics | 55% of the fee | $100 | 2 months |
| Exercise Physiology | 55% of the fee | $300shared with physiotherapy, chiropractic and osteopathy | 2 months |
| Health Management | 55% of the fee | $150 | 2 months |
| Osteopathy | 55% of the fee | $300shared with physiotherapy, chiropractic and exercise physiology | 2 months |
As listed for one adult in NSW. A percentage is of the provider’s fee; a dollar figure is the most paid per visit. Where a benefit differs by item, the commonest one is shown.
Conditions to know
Specific rules apply to dental services.
What it costs
| State | Single | Couple | Family | Single parent |
|---|---|---|---|---|
| All states | $46.00 | $92.00 | $105.80 | $78.20 |
Listed premiums a month, before the rebate. The rebate takes 24.118% off for most households under 65.
What beats it
For two dental visits and new glasses, from funds anyone can join:
- 1Latrobe Core Essential Extras+$49 ahead
- 2Health Partners Flex Extras: Eyes+$47 ahead
- 3HCF Flex My Extras+$45 ahead
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. Product code I12/APCK10 on privatehealth.gov.au. 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.