Government data · 01-Oct-2026 · No fund pays us

is it worth it?
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Extras cover

Australian Unity extras cover: which policies are worth it?

Australian Unity sells 5 extras policies you can take out on their own. For someone with two dental visits and new glasses in a year, none pay back more than they cost.

Go to Australian Unity (opens in a new tab)

Every Australian Unity 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.

  • Easy Extras (ESE)$24.15 a month before the rebateA check-up$120 behindTeeth and glasses$20 behindTeeth, glasses, physio+$250 ahead
  • Focus Extras (FCE)$59.25 a month before the rebateA check-up$420 behindTeeth and glasses$100 behindTeeth, glasses, physio+$224 ahead
  • Balanced Extras (BCE)$83.95 a month before the rebateA check-up$664 behindTeeth and glasses$364 behindTeeth, glasses, physio$94 behind
  • Freedom Extras (FRE)$84.25 a month before the rebateA check-up$726 behindTeeth and glasses$435 behindTeeth, glasses, physio$75 behind
  • Top Extras (TPE)$130.30 a month before the rebateA check-up$1,139 behindTeeth and glasses$792 behindTeeth, glasses, physio$372 behind

These are three set examples, not your year.

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