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

Australian Unity extras cover

Is Australian Unity Easy Extras (ESE) 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 $24.15 a month before the rebate, $18.33 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

    $120 behind

    That costs $200 with no cover. On this policy you’d pay $220 in premiums and get $100 back.

    8th of the 219 policies from funds anyone can join that cover this. nib’s DentalPass does best, $110 better off over the year.

  • Two dental visits and new glasses

    $20 behind

    That costs $700 with no cover. On this policy you’d pay $220 in premiums and get $200 back. It pays nothing towards optical.

    Against the 189 policies from funds anyone can join that cover this, it would sit 7th. Latrobe’s Core Essential Extras does best, $69 better off over the year.

  • Two dental visits, new glasses and six physio sessions

    +$250 ahead

    That costs $1,240 with no cover. On this policy you’d pay $220 in premiums and get $470 back. It pays nothing towards optical.

    Against the 181 policies from funds anyone can join that cover this, it would sit 7th. HCF’s Flex My Extras does best, $119 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

ServiceBenefitYearly limitWait
General Dental50% of the fee$4002 months
Physiotherapy50% of the fee$300shared with exercise physiology2 months
Acupuncture50% of the fee$150shared with remedial massage2 months
Remedial Massage50% of the fee$150shared with acupuncture2 months
Dietetics50% of the fee$1002 months
Exercise Physiology50% of the fee$300shared with physiotherapy2 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

Combined service limitsMay apply in some cases

Multiple services share a single annual limit pool.

Waiting period conditionsInformational

Special waiting period rules may apply.

What it costs

StateSingleCouple
NSW$24.15$48.30
VIC$24.25$48.50
QLD$25.95$51.90
WA$25.00$50.00
SA$26.30$52.60
TAS$25.35$50.70
NT$24.50$49.00

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:

  1. 1Latrobe Core Essential Extras+$49 ahead
  2. 2Health Partners Flex Extras: Eyes+$47 ahead
  3. 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 I39/NHVS10 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.