CBHS extras cover · restricted fund
Is CBHS Intermediate 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 $64.13 a month before the rebate, $48.66 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
$584 behind
That costs $200 with no cover. On this policy you’d pay $584 in premiums and get $0 back.
Against the 219 policies from funds anyone can join that cover this, it would sit 109th. nib’s DentalPass does best, $574 better off over the year.
Two dental visits and new glasses
$424 behind
That costs $700 with no cover. On this policy you’d pay $584 in premiums and get $160 back.
Against the 189 policies from funds anyone can join that cover this, it would sit 98th. Latrobe’s Core Essential Extras does best, $473 better off over the year.
Two dental visits, new glasses and six physio sessions
$166 behind
That costs $1,240 with no cover. On this policy you’d pay $584 in premiums and get $418 back.
Against the 181 policies from funds anyone can join that cover this, it would sit 83rd. HCF’s Flex My Extras does best, $535 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 | Covered, amount not published as a set figure | $730 | 2 months |
| Major Dental | $700 a visit | $700 | 12 months |
| Endodontic (Root Canal) | Covered, amount not published as a set figure | $400 | 6 months |
| Orthodontic | $700 a visit | $700 | 12 months |
| Optical | $160 a visit | $250 | 6 months |
| Non-PBS Medications | $75 a visit | $300shared with vaccinations | 2 months |
| Physiotherapy | $61 a visit first, then $43 a visit | $300 | 2 months |
| Chiropractic | $61 a visit first, then $40 a visit | $250shared with osteopathy | 2 months |
| Podiatry | $50 a visit first, then $35 a visit | $250 | 2 months |
| Acupuncture | $33 a visit | $300shared with remedial massage and chinese herbal medicine | 2 months |
| Remedial Massage | $33 a visit | $300shared with acupuncture and chinese herbal medicine | 2 months |
| Glucose Monitor | 100% of the fee | $300 | 12 months |
| Chinese Herbal Medicine | $33 a visit | $300shared with acupuncture and remedial massage | 2 months |
| Dietetics | $75 a visit first, then $42 a visit | $100 | 2 months |
| Health Management | Covered, amount not published as a set figure | $415 | 2 months |
| Orthotics | $145 a visit | $350 | 12 months |
| Osteopathy | $61 a visit first, then $35 a visit | $250shared with chiropractic | 2 months |
| Vaccinations | $75 a visit | $300shared with non-pbs medications | 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
Multiple services share a single annual limit pool.
Specific rules apply to dental services.
What it costs
| State | Single | Couple | Family | Single parent |
|---|---|---|---|---|
| NSW | $64.13 | $128.27 | $128.27 | $128.27 |
| VIC | $62.18 | $124.37 | $124.37 | $124.37 |
| QLD | $65.17 | $130.35 | $130.35 | $130.35 |
| WA | $62.40 | $124.80 | $124.80 | $124.80 |
| SA | $64.31 | $128.61 | $128.61 | $128.61 |
| TAS | $59.67 | $119.34 | $119.34 | $119.34 |
| NT | $61.23 | $122.46 | $122.46 | $122.46 |
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 I2/NATD10 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.