CDH extras cover
Is CDH Premium 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 $300.80 a month before the rebate, $228.25 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
$2,339 behind
That costs $400 with no cover. On this policy you’d pay $2,739 in premiums and get $400 back.
195th of the 218 policies from funds anyone can join that cover this. Bupa’s Extras Saver does best, $2,248 better off over the year.
Two dental visits and new glasses
$1,519 behind
That costs $1,400 with no cover. On this policy you’d pay $2,739 in premiums and get $1,220 back.
147th of the 189 policies from funds anyone can join that cover this. Latrobe’s Core Essential Extras does best, $1,617 better off over the year.
Two dental visits, new glasses and six physio sessions
$979 behind
That costs $2,480 with no cover. On this policy you’d pay $2,739 in premiums and get $1,760 back.
139th of the 181 policies from funds anyone can join that cover this. HCF’s Flex My Extras does best, $1,718 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) | $150 a visit | Not published | 12 months |
| Orthodontic | Covered, amount not published as a set figure | Not published | 12 months |
| Optical | $210 a visit | Not published | 2 months |
| Non-PBS Medications | $70 a visit | Not published | 2 months |
| Physiotherapy | $55 a visit first, then $45 a visit | Not publishedshared with occupational therapy and speech therapy | 2 months |
| Chiropractic | $40 a visit first, then $35 a visit | 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 | Covered, amount not published as a set figure | Not published | 36 months |
| Glucose Monitor | 75% of the fee | Not published | 12 months |
| Antenatal/Postnatal | $25 a visit | Not published | 2 months |
| Dietetics | $35 a visit | Not publishedshared with chiropractic, podiatry, psychology, acupuncture, remedial massage, exercise physiology and osteopathy | 2 months |
| Exercise Physiology | $26 a visit first, then $22 a visit | Not publishedshared with chiropractic, podiatry, psychology, acupuncture, remedial massage, dietetics and osteopathy | 2 months |
| Health Management | $65 a visit | Not published | 2 months |
| Home Nursing | $35 a visit | Not published | 2 months |
| Occupational Therapy | $35 a visit | Not publishedshared with physiotherapy and speech therapy | 2 months |
| Orthotics | 75% of the fee | Not published | 2 months |
| Osteopathy | $35 a visit first, then $30 a visit | Not publishedshared with chiropractic, podiatry, psychology, acupuncture, remedial massage, dietetics and exercise physiology | 2 months |
| Speech Therapy | $35 a visit first, then $40 a visit | Not publishedshared with physiotherapy and occupational therapy | 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.
This policy limits how often you can claim. Benefits may be reduced if you exceed the frequency cap.
What it costs
| State | Couple |
|---|---|
| NSW | $300.80 |
| VIC | $300.80 |
| QLD | $300.80 |
| WA | $300.80 |
| SA | $300.80 |
| TAS | $300.80 |
| NT | $300.80 |
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 I3/NASI20 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.