Bupa extras cover
Is Bupa Super Extras worth it?
For one adult in NSW, it costs more than it pays back in all three of the ways of using extras worked through below. It is $97.00 a month before the rebate, $73.61 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
$848 behind
That costs $200 with no cover. On this policy you’d pay $883 in premiums and get $35 back.
158th of the 219 policies from funds anyone can join that cover this. nib’s DentalPass does best, $838 better off over the year.
Two dental visits and new glasses
$652 behind
That costs $700 with no cover. On this policy you’d pay $883 in premiums and get $232 back.
132nd of the 189 policies from funds anyone can join that cover this. Latrobe’s Core Essential Extras does best, $701 better off over the year.
Two dental visits, new glasses and six physio sessions
$609 behind
That costs $1,240 with no cover. On this policy you’d pay $883 in premiums and get $274 back.
150th of the 181 policies from funds anyone can join that cover this. HCF’s Flex My Extras does best, $979 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 | $35 a visit | $900 | 2 months |
| Major Dental | $900 a visit | $900shared with endodontic (root canal) | 12 months |
| Endodontic (Root Canal) | $151 a visit | $900shared with major dental | 12 months |
| Optical | $196 a visit | $250 | 2 months |
| Non-PBS Medications | $40 a visit | $400 | 2 months |
| Physiotherapy | $50 a visit first, then $42 a visit | $800shared with chiropractic and osteopathy | 2 months |
| Chiropractic | $44 a visit first, then $30 a visit | $800shared with physiotherapy and osteopathy | 2 months |
| Podiatry | $43 a visit first, then $35 a visit | $300shared with orthotics | 2 months |
| Psychology | $108 a visit first, then $96 a visit | $300shared with acupuncture, chinese herbal medicine and exercise physiology | 2 months |
| Acupuncture | $29 a visit | $300shared with psychology, chinese herbal medicine and exercise physiology | 2 months |
| Remedial Massage | $47 a visit first, then $36 a visit | $200 | 2 months |
| Hearing Aids | 60% of the fee | $500 | 12 months |
| Glucose Monitor | 60% of the fee | $300 | 12 months |
| Chinese Herbal Medicine | $31 a visit first, then $23 a visit | $300shared with psychology, acupuncture and exercise physiology | 2 months |
| Dietetics | $55 a visit first, then $28 a visit | $300shared with orthoptics, occupational therapy and speech therapy | 2 months |
| Exercise Physiology | $31 a visit first, then $23 a visit | $300shared with psychology, acupuncture and chinese herbal medicine | 2 months |
| Orthoptics | $34 a visit first, then $31 a visit | $300shared with dietetics, occupational therapy and speech therapy | 2 months |
| Home Nursing | $35 a visit | $250 | 2 months |
| Occupational Therapy | $74 a visit first, then $57 a visit | $300shared with dietetics, orthoptics and speech therapy | 2 months |
| Orthotics | 60% of the fee | $300shared with podiatry | 12 months |
| Osteopathy | $54 a visit first, then $37 a visit | $800shared with physiotherapy and chiropractic | 2 months |
| Speech Therapy | $96 a visit first, then $52 a visit | $300shared with dietetics, orthoptics and occupational therapy | 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
This policy limits how often you can claim. Benefits may be reduced if you exceed the frequency cap.
What it costs
| State | Single | Couple | Family | Single parent |
|---|---|---|---|---|
| NSW | $97.00 | $194.00 | $203.70 | $164.90 |
| VIC | $91.65 | $183.30 | $192.50 | $155.80 |
| QLD | $87.95 | $175.90 | $184.70 | $149.50 |
| WA | $89.00 | $178.00 | $186.90 | $151.30 |
| SA | $86.05 | $172.10 | $180.70 | $146.30 |
| TAS | $59.95 | $119.90 | $125.85 | $101.90 |
| NT | $69.50 | $139.00 | $145.95 | $118.15 |
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 I60/NOWA10 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.