Bupa extras cover
Is Bupa Top 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 $143.25 a month before the rebate, $108.70 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
$1,260 behind
That costs $200 with no cover. On this policy you’d pay $1,304 in premiums and get $44 back.
200th of the 219 policies from funds anyone can join that cover this. nib’s DentalPass does best, $1,250 better off over the year.
Two dental visits and new glasses
$1,015 behind
That costs $700 with no cover. On this policy you’d pay $1,304 in premiums and get $289 back.
172nd of the 189 policies from funds anyone can join that cover this. Latrobe’s Core Essential Extras does best, $1,065 better off over the year.
Two dental visits, new glasses and six physio sessions
$963 behind
That costs $1,240 with no cover. On this policy you’d pay $1,304 in premiums and get $341 back.
173rd of the 181 policies from funds anyone can join that cover this. HCF’s Flex My Extras does best, $1,333 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 | $44 a visit | $1,000 | 2 months |
| Major Dental | $1000 a visit | $1,000shared with endodontic (root canal) | 12 months |
| Endodontic (Root Canal) | $176 a visit | $1,000shared with major dental | 12 months |
| Orthodontic | 100% of the fee | $800 | 12 months |
| Optical | $245 a visit | $300 | 2 months |
| Non-PBS Medications | 100% of the fee | $400 | 2 months |
| Physiotherapy | $63 a visit first, then $52 a visit | $950shared with chiropractic and osteopathy | 2 months |
| Chiropractic | $55 a visit first, then $37 a visit | $950shared with physiotherapy and osteopathy | 2 months |
| Podiatry | $49 a visit first, then $42 a visit | $450shared with orthotics | 2 months |
| Psychology | $120 a visit first, then $102 a visit | $450shared with acupuncture, chinese herbal medicine and exercise physiology | 2 months |
| Acupuncture | $44 a visit first, then $35 a visit | $450shared with psychology, chinese herbal medicine and exercise physiology | 2 months |
| Remedial Massage | $52 a visit first, then $41 a visit | $250 | 2 months |
| Hearing Aids | 70% of the fee | $1,000 | 12 months |
| Glucose Monitor | 70% of the fee | $500 | 12 months |
| Antenatal/Postnatal | $21 a visit | $250 | 2 months |
| Chinese Herbal Medicine | $36 a visit first, then $27 a visit | $450shared with psychology, acupuncture and exercise physiology | 2 months |
| Dietetics | $61 a visit first, then $34 a visit | $450shared with orthoptics, occupational therapy and speech therapy | 2 months |
| Exercise Physiology | $36 a visit first, then $27 a visit | $450shared with psychology, acupuncture and chinese herbal medicine | 2 months |
| Orthoptics | $38 a visit first, then $32 a visit | $450shared with dietetics, occupational therapy and speech therapy | 2 months |
| Home Nursing | $35 a visit | $350 | 2 months |
| Occupational Therapy | $82 a visit first, then $66 a visit | $450shared with dietetics, orthoptics and speech therapy | 2 months |
| Orthotics | 70% of the fee | $450shared with podiatry | 12 months |
| Osteopathy | $68 a visit first, then $46 a visit | $950shared with physiotherapy and chiropractic | 2 months |
| Speech Therapy | $103 a visit first, then $60 a visit | $450shared 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.
Some services are explicitly not covered under this policy.
What it costs
| State | Single | Couple | Family | Single parent |
|---|---|---|---|---|
| NSW | $143.25 | $286.50 | $300.75 | $243.55 |
| VIC | $132.50 | $265.00 | $278.25 | $225.25 |
| QLD | $130.25 | $260.50 | $273.55 | $221.40 |
| WA | $136.55 | $273.10 | $286.70 | $232.15 |
| SA | $135.15 | $270.30 | $283.85 | $229.75 |
| TAS | $91.15 | $182.30 | $191.50 | $154.95 |
| NT | $97.40 | $194.80 | $204.60 | $165.60 |
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 I62/NPGX10 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.