Bupa extras cover
Is Bupa Top Extras 75 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 $157.90 a month before the rebate, $119.82 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
$1,404 behind
That costs $200 with no cover. On this policy you’d pay $1,438 in premiums and get $34 back.
207th of the 219 policies from funds anyone can join that cover this. nib’s DentalPass does best, $1,394 better off over the year.
Two dental visits and new glasses
$1,181 behind
That costs $700 with no cover. On this policy you’d pay $1,438 in premiums and get $257 back.
180th of the 189 policies from funds anyone can join that cover this. Latrobe’s Core Essential Extras does best, $1,230 better off over the year.
Two dental visits, new glasses and six physio sessions
$1,137 behind
That costs $1,240 with no cover. On this policy you’d pay $1,438 in premiums and get $301 back.
179th of the 181 policies from funds anyone can join that cover this. HCF’s Flex My Extras does best, $1,506 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 | $34 a visit | Not published | 2 months |
| Major Dental | $945 a visit | $1,100shared with endodontic (root canal) | 12 months |
| Endodontic (Root Canal) | $180 a visit | $1,100shared with major dental | 12 months |
| Orthodontic | 100% of the fee | $1,300 | 12 months |
| Optical | $223 a visit | $240 | 2 months |
| Non-PBS Medications | $40 a visit | $600 | 2 months |
| Physiotherapy | $53 a visit first, then $44 a visit | $800 | 2 months |
| Chiropractic | $42 a visit first, then $29 a visit | $600 | 2 months |
| Podiatry | $38 a visit first, then $32 a visit | $500 | 2 months |
| Psychology | $93 a visit first, then $78 a visit | $500 | 2 months |
| Acupuncture | $34 a visit first, then $27 a visit | $500shared with remedial massage, chinese herbal medicine and exercise physiology | 2 months |
| Remedial Massage | Covered, amount not published as a set figure | $500shared with acupuncture, chinese herbal medicine and exercise physiology | 2 months |
| Hearing Aids | Covered, amount not published as a set figure | $1,000shared with glucose monitor and orthotics | 12 months |
| Glucose Monitor | Covered, amount not published as a set figure | $1,000shared with hearing aids and orthotics | 12 months |
| Antenatal/Postnatal | $18 a visit | $400 | 2 months |
| Chinese Herbal Medicine | $28 a visit first, then $21 a visit | $500shared with acupuncture, remedial massage and exercise physiology | 2 months |
| Dietetics | $51 a visit first, then $28 a visit | $500 | 2 months |
| Exercise Physiology | $28 a visit first, then $21 a visit | $500shared with acupuncture, remedial massage and chinese herbal medicine | 2 months |
| Orthoptics | $32 a visit first, then $27 a visit | $500 | 2 months |
| Health Management | $50 a visit | $150 | 6 months |
| Home Nursing | $35 a visit | $350 | 2 months |
| Occupational Therapy | $68 a visit first, then $55 a visit | $500 | 2 months |
| Orthotics | Covered, amount not published as a set figure | $1,000shared with hearing aids and glucose monitor | 12 months |
| Osteopathy | $52 a visit first, then $36 a visit | $500 | 2 months |
| Speech Therapy | $86 a visit first, then $50 a visit | $500 | 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.
Non-PBS pharmaceutical benefits may have specific conditions.
What it costs
| State | Single | Couple | Family | Single parent |
|---|---|---|---|---|
| NSW | $157.90 | $315.80 | $315.80 | $268.45 |
| VIC | $147.95 | $295.90 | $295.90 | $251.50 |
| QLD | $144.05 | $288.10 | $288.10 | $244.90 |
| WA | $155.60 | $311.20 | $311.20 | $264.50 |
| SA | $158.85 | $317.70 | $317.70 | $270.05 |
| TAS | $106.50 | $213.00 | $213.00 | $181.05 |
| NT | $102.30 | $204.60 | $204.60 | $173.90 |
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 I16/NBLM10 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.