CDH extras cover
Is CDH Healthy Extras Cover (Couple) worth it?
For a couple in NSW, it costs more than it pays back in all three of the ways of using extras worked through below. It is $142.92 a month before the rebate, $108.45 after.
Three ways of using it
Worked for a couple 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. Each adult uses it this way.
One dental check-up a year
$1,253 behind
That costs $400 with no cover. On this policy you’d pay $1,301 in premiums and get $48 back.
114th of the 218 policies from funds anyone can join that cover this. Bupa’s Extras Saver does best, $1,162 better off over the year.
Two dental visits and new glasses
$605 behind
That costs $1,400 with no cover. On this policy you’d pay $1,301 in premiums and get $696 back.
73rd of the 189 policies from funds anyone can join that cover this. Latrobe’s Core Essential Extras does best, $704 better off over the year.
Two dental visits, new glasses and six physio sessions
$245 behind
That costs $2,480 with no cover. On this policy you’d pay $1,301 in premiums and get $1,056 back.
74th of the 181 policies from funds anyone can join that cover this. HCF’s Flex My Extras does best, $984 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 | $24 a visit | Not published | 2 months |
| Major Dental | $300 a visit | Not published | 12 months |
| Endodontic (Root Canal) | $70 a visit | Not published | 12 months |
| Orthodontic | Covered, amount not published as a set figure | Not published | 12 months |
| Optical | 100% of the fee | Not published | 2 months |
| Non-PBS Medications | $21 a visit | Not publishedshared with psychology | 2 months |
| Physiotherapy | $36 a visit first, then $30 a visit | Not publishedshared with chiropractic, podiatry, osteopathy and speech therapy | 2 months |
| Chiropractic | $38 a visit first, then $32 a visit | Not publishedshared with physiotherapy, podiatry, osteopathy and speech therapy | 2 months |
| Podiatry | Covered, amount not published as a set figure | Not publishedshared with physiotherapy, chiropractic, osteopathy and speech therapy | 2 months |
| Psychology | Covered, amount not published as a set figure | Not publishedshared with non-pbs medications | 2 months |
| Acupuncture | Covered, amount not published as a set figure | $300shared with remedial massage, dietetics and occupational therapy | 2 months |
| Remedial Massage | Covered, amount not published as a set figure | $300shared with acupuncture, dietetics and occupational therapy | 2 months |
| Glucose Monitor | 75% of the fee | Not published | 12 months |
| Dietetics | $25 a visit | $300shared with acupuncture, remedial massage and occupational therapy | 2 months |
| Health Management | $60 a visit | $180 | 2 months |
| Home Nursing | $16 a visit | Not published | 2 months |
| Occupational Therapy | $28 a visit | $300shared with acupuncture, remedial massage and dietetics | 2 months |
| Orthotics | 75% of the fee | Not published | 2 months |
| Osteopathy | $26 a visit | Not publishedshared with physiotherapy, chiropractic, podiatry and speech therapy | 2 months |
| Speech Therapy | $28 a visit first, then $32 a visit | Not publishedshared with physiotherapy, chiropractic, podiatry and osteopathy | 2 months |
As listed for a couple 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
Some services are explicitly not covered under this policy.
Limits are shared across all members on this policy, not per person.
What it costs
| State | Couple |
|---|---|
| NSW | $142.92 |
| VIC | $142.92 |
| QLD | $142.92 |
| WA | $142.92 |
| SA | $142.92 |
| TAS | $142.92 |
| NT | $142.92 |
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+$98 ahead
- 2Health Partners Flex Extras: Eyes+$95 ahead
- 3HCF Flex My Extras+$91 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 I6/NBOD20 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.