Bupa extras cover
Is Bupa Budget Extras 60 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 $30.45 a month before the rebate, $23.11 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
$250 behind
That costs $200 with no cover. On this policy you’d pay $277 in premiums and get $27 back.
26th of the 219 policies from funds anyone can join that cover this. nib’s DentalPass does best, $240 better off over the year.
Two dental visits and new glasses
$73 behind
That costs $700 with no cover. On this policy you’d pay $277 in premiums and get $204 back.
19th of the 189 policies from funds anyone can join that cover this. Latrobe’s Core Essential Extras does best, $123 better off over the year.
Two dental visits, new glasses and six physio sessions
+$105 ahead
That costs $1,240 with no cover. On this policy you’d pay $277 in premiums and get $382 back.
28th of the 181 policies from funds anyone can join that cover this. HCF’s Flex My Extras does best, $265 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 | $27 a visit | $350 | 2 months |
| Optical | $150 a visit | $150 | 2 months |
| Non-PBS Medications | $40 a visit | $100 | 2 months |
| Physiotherapy | $38 a visit first, then $30 a visit | $350shared with chiropractic, acupuncture, remedial massage, antenatal/postnatal, chinese herbal medicine, exercise physiology and osteopathy | 2 months |
| Chiropractic | $32 a visit first, then $22 a visit | $350shared with physiotherapy, acupuncture, remedial massage, antenatal/postnatal, chinese herbal medicine, exercise physiology and osteopathy | 2 months |
| Acupuncture | Covered, amount not published as a set figure | $350shared with physiotherapy, chiropractic, remedial massage, antenatal/postnatal, chinese herbal medicine, exercise physiology and osteopathy | 2 months |
| Remedial Massage | Covered, amount not published as a set figure | $350shared with physiotherapy, chiropractic, acupuncture, antenatal/postnatal, chinese herbal medicine, exercise physiology and osteopathy | 2 months |
| Antenatal/Postnatal | $18 a visit | $350shared with physiotherapy, chiropractic, acupuncture, remedial massage, chinese herbal medicine, exercise physiology and osteopathy | 2 months |
| Chinese Herbal Medicine | Covered, amount not published as a set figure | $350shared with physiotherapy, chiropractic, acupuncture, remedial massage, antenatal/postnatal, exercise physiology and osteopathy | 2 months |
| Exercise Physiology | Covered, amount not published as a set figure | $350shared with physiotherapy, chiropractic, acupuncture, remedial massage, antenatal/postnatal, chinese herbal medicine and osteopathy | 2 months |
| Health Management | 50% of the fee | $50 | 6 months |
| Osteopathy | $39 a visit first, then $27 a visit | $350shared with physiotherapy, chiropractic, acupuncture, remedial massage, antenatal/postnatal, chinese herbal medicine 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
Non-PBS pharmaceutical benefits may have specific conditions.
What it costs
| State | Single | Couple | Family | Single parent |
|---|---|---|---|---|
| NSW | $30.45 | $60.90 | $60.90 | $51.75 |
| VIC | $30.70 | $61.40 | $61.40 | $52.20 |
| QLD | $29.45 | $58.90 | $58.90 | $50.05 |
| WA | $30.90 | $61.80 | $61.80 | $52.55 |
| SA | $34.40 | $68.80 | $68.80 | $58.50 |
| TAS | $24.30 | $48.60 | $48.60 | $41.30 |
| NT | $25.90 | $51.80 | $51.80 | $44.05 |
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 I28/NEIK10 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.