Australian Unity extras cover
Is Australian Unity Focus Extras (FCE) 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 $59.25 a month before the rebate, $44.96 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
$420 behind
That costs $200 with no cover. On this policy you’d pay $540 in premiums and get $120 back.
67th of the 219 policies from funds anyone can join that cover this. nib’s DentalPass does best, $410 better off over the year.
Two dental visits and new glasses
$100 behind
That costs $700 with no cover. On this policy you’d pay $540 in premiums and get $440 back.
28th of the 189 policies from funds anyone can join that cover this. Latrobe’s Core Essential Extras does best, $149 better off over the year.
Two dental visits, new glasses and six physio sessions
+$224 ahead
That costs $1,240 with no cover. On this policy you’d pay $540 in premiums and get $764 back.
11th of the 181 policies from funds anyone can join that cover this. HCF’s Flex My Extras does best, $145 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 | 60% of the fee | $700shared with major dental and endodontic (root canal) | 2 months |
| Major Dental | 60% of the fee | $700shared with general dental and endodontic (root canal) | 12 months |
| Endodontic (Root Canal) | 60% of the fee | $700shared with general dental and major dental | 12 months |
| Optical | 100% of the fee | $200 | 6 months |
| Physiotherapy | 60% of the fee | $400shared with exercise physiology | 2 months |
| Chiropractic | 60% of the fee | $250shared with osteopathy | 2 months |
| Psychology | 60% of the fee | $200 | 2 months |
| Acupuncture | 60% of the fee | $200shared with remedial massage | 2 months |
| Remedial Massage | 60% of the fee | $200shared with acupuncture | 2 months |
| Dietetics | 60% of the fee | $200 | 2 months |
| Exercise Physiology | 60% of the fee | $400shared with physiotherapy | 2 months |
| Osteopathy | 60% of the fee | $250shared with chiropractic | 2 months |
| Vaccinations | 60% of the fee | $150 | None |
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
This policy limits how often you can claim. Benefits may be reduced if you exceed the frequency cap.
Multiple services share a single annual limit pool.
Special waiting period rules may apply.
What it costs
| State | Single | Couple | Family | Single parent |
|---|---|---|---|---|
| NSW | $59.25 | $118.50 | $130.35 | $100.70 |
| VIC | $58.40 | $116.80 | $128.50 | $99.30 |
| QLD | $62.95 | $125.90 | $138.50 | $107.00 |
| WA | $62.15 | $124.30 | $135.35 | $105.65 |
| SA | $63.55 | $127.10 | $139.80 | $108.05 |
| TAS | $59.65 | $119.30 | $131.25 | $101.40 |
| NT | $56.15 | $112.30 | $123.55 | $95.45 |
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 I40/NHVT10 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.