CDH extras cover
Is CDH Hunter 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 $267.40 a month before the rebate, $202.91 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
$2,035 behind
That costs $400 with no cover. On this policy you’d pay $2,435 in premiums and get $400 back.
181st of the 218 policies from funds anyone can join that cover this. Bupa’s Extras Saver does best, $1,944 better off over the year.
Two dental visits and new glasses
$1,037 behind
That costs $1,400 with no cover. On this policy you’d pay $2,435 in premiums and get $1,398 back.
118th of the 189 policies from funds anyone can join that cover this. Latrobe’s Core Essential Extras does best, $1,135 better off over the year.
Two dental visits, new glasses and six physio sessions
$1,037 behind
That costs $2,480 with no cover. On this policy you’d pay $2,435 in premiums and get $1,398 back.
143rd of the 181 policies from funds anyone can join that cover this. HCF’s Flex My Extras does best, $1,776 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 | 100% of the fee | Not published | 2 months |
| Major Dental | $800 a visit | Not published | 12 months |
| Endodontic (Root Canal) | $125 a visit | Not published | 2 months |
| Orthodontic | $2400 a visit | Not published | 12 months |
| Optical | 100% of the fee | Not published | 2 months |
| Non-PBS Medications | $70 a visit | Not publishedshared with vaccinations | 2 months |
| Physiotherapy | Covered, amount not published as a set figure | Not publishedshared with occupational therapy and speech therapy | 2 months |
| Chiropractic | Covered, amount not published as a set figure | Not publishedshared with podiatry, psychology, acupuncture, remedial massage, dietetics, exercise physiology and osteopathy | 2 months |
| Podiatry | Covered, amount not published as a set figure | Not publishedshared with chiropractic, psychology, acupuncture, remedial massage, dietetics, exercise physiology and osteopathy | 2 months |
| Psychology | Covered, amount not published as a set figure | Not publishedshared with chiropractic, podiatry, acupuncture, remedial massage, dietetics, exercise physiology and osteopathy | 2 months |
| Acupuncture | Covered, amount not published as a set figure | Not publishedshared with chiropractic, podiatry, psychology, remedial massage, dietetics, exercise physiology and osteopathy | 2 months |
| Remedial Massage | Covered, amount not published as a set figure | Not publishedshared with chiropractic, podiatry, psychology, acupuncture, dietetics, exercise physiology and osteopathy | 2 months |
| Hearing Aids | 75% of the fee | Not published | 12 months |
| Glucose Monitor | 75% of the fee | Not published | 12 months |
| Antenatal/Postnatal | $15 a visit | Not published | 2 months |
| Dietetics | $26 a visit | Not publishedshared with chiropractic, podiatry, psychology, acupuncture, remedial massage, exercise physiology and osteopathy | None |
| Exercise Physiology | $26 a visit | Not publishedshared with chiropractic, podiatry, psychology, acupuncture, remedial massage, dietetics and osteopathy | 2 months |
| Health Management | $50 a visit | Not published | 2 months |
| Home Nursing | $16 a visit | Not published | 2 months |
| Occupational Therapy | Covered, amount not published as a set figure | Not publishedshared with physiotherapy and speech therapy | 2 months |
| Orthotics | 75% of the fee | Not published | 12 months |
| Osteopathy | Covered, amount not published as a set figure | Not publishedshared with chiropractic, podiatry, psychology, acupuncture, remedial massage, dietetics and exercise physiology | 2 months |
| Speech Therapy | Covered, amount not published as a set figure | Not publishedshared with physiotherapy and occupational therapy | 2 months |
| Vaccinations | Covered, amount not published as a set figure | Not publishedshared with non-pbs medications | 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
Limits are shared across all members on this policy, not per person.
What it costs
| State | Couple |
|---|---|
| NSW | $267.40 |
| VIC | $267.40 |
| QLD | $267.40 |
| WA | $267.40 |
| SA | $267.40 |
| TAS | $267.40 |
| NT | $267.40 |
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 I7/NDLY20 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.