CDH extras cover
Is CDH Hunter 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 $133.70 a month before the rebate, $101.45 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
$1,017 behind
That costs $200 with no cover. On this policy you’d pay $1,217 in premiums and get $200 back.
180th of the 219 policies from funds anyone can join that cover this. nib’s DentalPass does best, $1,007 better off over the year.
Two dental visits and new glasses
$518 behind
That costs $700 with no cover. On this policy you’d pay $1,217 in premiums and get $699 back.
114th of the 189 policies from funds anyone can join that cover this. Latrobe’s Core Essential Extras does best, $568 better off over the year.
Two dental visits, new glasses and six physio sessions
$518 behind
That costs $1,240 with no cover. On this policy you’d pay $1,217 in premiums and get $699 back.
142nd of the 181 policies from funds anyone can join that cover this. HCF’s Flex My Extras does best, $888 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 | $850 | 12 months |
| Endodontic (Root Canal) | $125 a visit | Not published | 2 months |
| Orthodontic | $2400 a visit | $400 | 12 months |
| Optical | 100% of the fee | $299 | 2 months |
| Non-PBS Medications | $70 a visit | $700shared with vaccinations | 2 months |
| Physiotherapy | Covered, amount not published as a set figure | $700shared with occupational therapy and speech therapy | 2 months |
| Chiropractic | Covered, amount not published as a set figure | $480shared with podiatry, psychology, acupuncture, remedial massage, dietetics, exercise physiology and osteopathy | 2 months |
| Podiatry | Covered, amount not published as a set figure | $480shared with chiropractic, psychology, acupuncture, remedial massage, dietetics, exercise physiology and osteopathy | 2 months |
| Psychology | Covered, amount not published as a set figure | $480shared with chiropractic, podiatry, acupuncture, remedial massage, dietetics, exercise physiology and osteopathy | 2 months |
| Acupuncture | Covered, amount not published as a set figure | $480shared with chiropractic, podiatry, psychology, remedial massage, dietetics, exercise physiology and osteopathy | 2 months |
| Remedial Massage | Covered, amount not published as a set figure | $480shared with chiropractic, podiatry, psychology, acupuncture, dietetics, exercise physiology and osteopathy | 2 months |
| Hearing Aids | 75% of the fee | $750 | 12 months |
| Glucose Monitor | 75% of the fee | $100 | 12 months |
| Antenatal/Postnatal | $15 a visit | $150 | 2 months |
| Dietetics | $26 a visit | $480shared with chiropractic, podiatry, psychology, acupuncture, remedial massage, exercise physiology and osteopathy | None |
| Exercise Physiology | $26 a visit | $480shared with chiropractic, podiatry, psychology, acupuncture, remedial massage, dietetics and osteopathy | 2 months |
| Health Management | $50 a visit | $100 | 2 months |
| Home Nursing | $16 a visit | Not published | 2 months |
| Occupational Therapy | Covered, amount not published as a set figure | $700shared with physiotherapy and speech therapy | 2 months |
| Orthotics | 75% of the fee | $150 | 12 months |
| Osteopathy | Covered, amount not published as a set figure | $480shared with chiropractic, podiatry, psychology, acupuncture, remedial massage, dietetics and exercise physiology | 2 months |
| Speech Therapy | Covered, amount not published as a set figure | $700shared with physiotherapy and occupational therapy | 2 months |
| Vaccinations | Covered, amount not published as a set figure | $700shared 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
Limits are shared across all members on this policy, not per person.
What it costs
| State | Single |
|---|---|
| NSW | $133.70 |
| VIC | $133.70 |
| QLD | $133.70 |
| WA | $133.70 |
| SA | $133.70 |
| TAS | $133.70 |
| NT | $133.70 |
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 I7/NDLZ10 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.