CDH extras cover
Is CDH Healthy Extras Cover (Single) 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 $71.46 a month before the rebate, $54.23 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
$627 behind
That costs $200 with no cover. On this policy you’d pay $651 in premiums and get $24 back.
114th of the 219 policies from funds anyone can join that cover this. nib’s DentalPass does best, $617 better off over the year.
Two dental visits and new glasses
$303 behind
That costs $700 with no cover. On this policy you’d pay $651 in premiums and get $348 back.
74th of the 189 policies from funds anyone can join that cover this. Latrobe’s Core Essential Extras does best, $352 better off over the year.
Two dental visits, new glasses and six physio sessions
$123 behind
That costs $1,240 with no cover. On this policy you’d pay $651 in premiums and get $528 back.
74th of the 181 policies from funds anyone can join that cover this. HCF’s Flex My Extras does best, $492 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 | $750 | 2 months |
| Major Dental | $300 a visit | $600 | 12 months |
| Endodontic (Root Canal) | $70 a visit | Not published | 12 months |
| Orthodontic | Covered, amount not published as a set figure | $100 | 12 months |
| Optical | 100% of the fee | Not published | 2 months |
| Non-PBS Medications | $21 a visit | $400shared with psychology | 2 months |
| Physiotherapy | $36 a visit first, then $30 a visit | $300shared with chiropractic, podiatry, osteopathy and speech therapy | 2 months |
| Chiropractic | $38 a visit first, then $32 a visit | $300shared with physiotherapy, podiatry, osteopathy and speech therapy | 2 months |
| Podiatry | Covered, amount not published as a set figure | $300shared with physiotherapy, chiropractic, osteopathy and speech therapy | 2 months |
| Psychology | Covered, amount not published as a set figure | $400shared with non-pbs medications | 2 months |
| Acupuncture | Covered, amount not published as a set figure | $150shared with remedial massage, dietetics and occupational therapy | 2 months |
| Remedial Massage | Covered, amount not published as a set figure | $150shared with acupuncture, dietetics and occupational therapy | 2 months |
| Glucose Monitor | 75% of the fee | Not published | 12 months |
| Dietetics | $25 a visit | $150shared with acupuncture, remedial massage and occupational therapy | 2 months |
| Health Management | $60 a visit | $180 | 2 months |
| Home Nursing | $16 a visit | $150 | 2 months |
| Occupational Therapy | $28 a visit | $150shared with acupuncture, remedial massage and dietetics | 2 months |
| Orthotics | 75% of the fee | Not published | 2 months |
| Osteopathy | $26 a visit | $300shared with physiotherapy, chiropractic, podiatry and speech therapy | 2 months |
| Speech Therapy | $28 a visit first, then $32 a visit | $300shared with physiotherapy, chiropractic, podiatry and osteopathy | 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
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 | Single |
|---|---|
| NSW | $71.46 |
| VIC | $71.46 |
| QLD | $71.46 |
| WA | $71.46 |
| SA | $71.46 |
| TAS | $71.46 |
| NT | $71.46 |
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 I6/NBOF10 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.