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

Bupa extras cover: which policies are worth it?

Bupa sells 24 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 Bupa

Every Bupa 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.

Extras Saver$16.00$46 behind+$54 ahead+$54 ahead$16.00 a month before the rebateA check-up$46 behindTeeth and glasses+$54 aheadTeeth, glasses, physio+$54 ahead
Freedom 50$21.10$92 behind+$8 ahead+$278 ahead$21.10 a month before the rebateA check-up$92 behindTeeth and glasses+$8 aheadTeeth, glasses, physio+$278 ahead
Freedom 60$50.75$342 behind$72 behind+$252 ahead$50.75 a month before the rebateA check-up$342 behindTeeth and glasses$72 behindTeeth, glasses, physio+$252 ahead
Budget Extras 60$30.45$250 behind$73 behind+$105 ahead$30.45 a month before the rebateA check-up$250 behindTeeth and glasses$73 behindTeeth, glasses, physio+$105 ahead
Starter Extras$35.95$293 behind$109 behind+$76 ahead$35.95 a month before the rebateA check-up$293 behindTeeth and glasses$109 behindTeeth, glasses, physio+$76 ahead
FLEXtras 4 Standard 60$63.45$458 behind$158 behind+$166 ahead$63.45 a month before the rebateA check-up$458 behindTeeth and glasses$158 behindTeeth, glasses, physio+$166 ahead
FLEXtras 4 Standard 50$56.55$415 behind$165 behind+$105 ahead$56.55 a month before the rebateA check-up$415 behindTeeth and glasses$165 behindTeeth, glasses, physio+$105 ahead
Freedom 60 Boost$64.70$469 behind$169 behind+$155 ahead$64.70 a month before the rebateA check-up$469 behindTeeth and glasses$169 behindTeeth, glasses, physio+$155 ahead
FLEXtras 6 Standard 50$61.90$464 behind$214 behind+$56 ahead$61.90 a month before the rebateA check-up$464 behindTeeth and glasses$214 behindTeeth, glasses, physio+$56 ahead
FLEXtras 6 Standard 60$71.45$531 behind$231 behind+$93 ahead$71.45 a month before the rebateA check-up$531 behindTeeth and glasses$231 behindTeeth, glasses, physio+$93 ahead
Core Extras$57.10$486 behind$270 behind$62 behind$57.10 a month before the rebateA check-up$486 behindTeeth and glasses$270 behindTeeth, glasses, physio$62 behind
FLEXtras 4 Higher 50$73.95$573 behind$323 behind$53 behind$73.95 a month before the rebateA check-up$573 behindTeeth and glasses$323 behindTeeth, glasses, physio$53 behind
FLEXtras 4 Higher 60$83.00$636 behind$336 behind$12 behind$83.00 a month before the rebateA check-up$636 behindTeeth and glasses$336 behindTeeth, glasses, physio$12 behind
Your Choice Extras 60$61.35$532 behind$340 behind$161 behind$61.35 a month before the rebateA check-up$532 behindTeeth and glasses$340 behindTeeth, glasses, physio$161 behind
FLEXtras 6 Higher 50$82.70$653 behind$403 behind$133 behind$82.70 a month before the rebateA check-up$653 behindTeeth and glasses$403 behindTeeth, glasses, physio$133 behind
Wellness Extras$77.65$673 behind$491 behind$457 behind$77.65 a month before the rebateA check-up$673 behindTeeth and glasses$491 behindTeeth, glasses, physio$457 behind
FLEXtras 6 Higher 60$100.20$792 behind$492 behind$168 behind$100.20 a month before the rebateA check-up$792 behindTeeth and glasses$492 behindTeeth, glasses, physio$168 behind
Super Extras$97.00$848 behind$652 behind$609 behind$97.00 a month before the rebateA check-up$848 behindTeeth and glasses$652 behindTeeth, glasses, physio$609 behind
Super Extras Active$105.40$925 behind$728 behind$686 behind$105.40 a month before the rebateA check-up$925 behindTeeth and glasses$728 behindTeeth, glasses, physio$686 behind
Top Extras 60$106.75$945 behind$766 behind$731 behind$106.75 a month before the rebateA check-up$945 behindTeeth and glasses$766 behindTeeth, glasses, physio$731 behind
Top Extras$143.25$1,260 behind$1,015 behind$963 behind$143.25 a month before the rebateA check-up$1,260 behindTeeth and glasses$1,015 behindTeeth, glasses, physio$963 behind
Top Extras 75$157.90$1,404 behind$1,181 behind$1,137 behind$157.90 a month before the rebateA check-up$1,404 behindTeeth and glasses$1,181 behindTeeth, glasses, physio$1,137 behind
Top Extras Boost$191.95$1,697 behind$1,403 behind$1,340 behind$191.95 a month before the rebateA check-up$1,697 behindTeeth and glasses$1,403 behindTeeth, glasses, physio$1,340 behind
Top Extras 90$217.10$1,936 behind$1,668 behind$1,615 behind$217.10 a month before the rebateA check-up$1,936 behindTeeth and glasses$1,668 behindTeeth, glasses, physio$1,615 behind

These are three set examples, not your year.

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