CBHS extras cover · restricted fund
Is CBHS 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 $111.41 a month before the rebate, $84.54 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
$976 behind
That costs $200 with no cover. On this policy you’d pay $1,014 in premiums and get $38 back.
Against the 219 policies from funds anyone can join that cover this, it would sit 174th. nib’s DentalPass does best, $967 better off over the year.
Two dental visits and new glasses
$668 behind
That costs $700 with no cover. On this policy you’d pay $1,014 in premiums and get $346 back.
Against the 189 policies from funds anyone can join that cover this, it would sit 136th. Latrobe’s Core Essential Extras does best, $718 better off over the year.
Two dental visits, new glasses and six physio sessions
$410 behind
That costs $1,240 with no cover. On this policy you’d pay $1,014 in premiums and get $604 back.
Against the 181 policies from funds anyone can join that cover this, it would sit 127th. HCF’s Flex My Extras does best, $780 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 | $38 a visit | Not published | 2 months |
| Major Dental | Covered, amount not published as a set figure | $7,340 | 12 months |
| Endodontic (Root Canal) | $157 a visit | $660 | 6 months |
| Orthodontic | $2800 a visit | $2,800 | 12 months |
| Optical | $270 a visit | $375 | 6 months |
| Non-PBS Medications | $75 a visit | $1,000shared with vaccinations | 2 months |
| Physiotherapy | $61 a visit first, then $43 a visit | $720 | 2 months |
| Chiropractic | $61 a visit first, then $40 a visit | $720 | 2 months |
| Podiatry | $50 a visit first, then $35 a visit | $400 | 2 months |
| Psychology | $140 a visit first, then $80 a visit | $450 | 2 months |
| Acupuncture | $33 a visit | $450shared with chinese herbal medicine | 2 months |
| Remedial Massage | $33 a visit | $450 | 2 months |
| Hearing Aids | 100% of the fee | $1,600 | 12 months |
| Glucose Monitor | 100% of the fee | $500 | 12 months |
| Audiology | $60 a visit | $360 | 2 months |
| Antenatal/Postnatal | 100% of the fee | $105 | 2 months |
| Chinese Herbal Medicine | $33 a visit | $450shared with acupuncture | 2 months |
| Dietetics | $75 a visit first, then $42 a visit | $360 | 2 months |
| Exercise Physiology | $35 a visit | $360 | 2 months |
| Orthoptics | $60 a visit | $455 | 2 months |
| Health Management | Covered, amount not published as a set figure | $415 | 2 months |
| Home Nursing | $80 a visit | $2,800 | 2 months |
| Occupational Therapy | $61 a visit first, then $35 a visit | $720 | 2 months |
| Orthotics | $145 a visit | $1,000 | 12 months |
| Osteopathy | $61 a visit first, then $35 a visit | $720 | 2 months |
| Speech Therapy | $95 a visit first, then $46 a visit | $1,850 | 2 months |
| Vaccinations | $75 a visit | $1,000shared 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
This policy has a maximum benefit over the lifetime of your membership.
Specific rules apply to dental services.
What it costs
| State | Single | Couple | Family | Single parent |
|---|---|---|---|---|
| NSW | $111.41 | $222.82 | $222.82 | $222.82 |
| VIC | $99.06 | $198.12 | $198.12 | $198.12 |
| QLD | $104.04 | $208.09 | $208.09 | $208.09 |
| WA | $97.37 | $194.74 | $194.74 | $194.74 |
| SA | $101.23 | $202.45 | $202.45 | $202.45 |
| TAS | $96.98 | $193.96 | $193.96 | $169.74 |
| NT | $95.03 | $190.06 | $190.06 | $166.79 |
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 I1/NASB10 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.