CDH extras cover
Is CDH Premium 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 $150.40 a month before the rebate, $114.13 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
$1,170 behind
That costs $200 with no cover. On this policy you’d pay $1,370 in premiums and get $200 back.
196th of the 219 policies from funds anyone can join that cover this. nib’s DentalPass does best, $1,160 better off over the year.
Two dental visits and new glasses
$760 behind
That costs $700 with no cover. On this policy you’d pay $1,370 in premiums and get $610 back.
146th of the 189 policies from funds anyone can join that cover this. Latrobe’s Core Essential Extras does best, $809 better off over the year.
Two dental visits, new glasses and six physio sessions
$490 behind
That costs $1,240 with no cover. On this policy you’d pay $1,370 in premiums and get $880 back.
138th of the 181 policies from funds anyone can join that cover this. HCF’s Flex My Extras does best, $859 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 | $1,100 | 12 months |
| Endodontic (Root Canal) | $150 a visit | Not published | 12 months |
| Orthodontic | Covered, amount not published as a set figure | $600 | 12 months |
| Optical | $210 a visit | $290 | 2 months |
| Non-PBS Medications | $70 a visit | $700 | 2 months |
| Physiotherapy | $55 a visit first, then $45 a visit | $700shared with occupational therapy and speech therapy | 2 months |
| Chiropractic | $40 a visit first, then $35 a visit | $600shared with podiatry, psychology, acupuncture, remedial massage, dietetics, exercise physiology and osteopathy | 2 months |
| Podiatry | Covered, amount not published as a set figure | $600shared with chiropractic, psychology, acupuncture, remedial massage, dietetics, exercise physiology and osteopathy | 2 months |
| Psychology | Covered, amount not published as a set figure | $600shared with chiropractic, podiatry, acupuncture, remedial massage, dietetics, exercise physiology and osteopathy | 2 months |
| Acupuncture | Covered, amount not published as a set figure | $600shared with chiropractic, podiatry, psychology, remedial massage, dietetics, exercise physiology and osteopathy | 2 months |
| Remedial Massage | Covered, amount not published as a set figure | $600shared with chiropractic, podiatry, psychology, acupuncture, dietetics, exercise physiology and osteopathy | 2 months |
| Hearing Aids | Covered, amount not published as a set figure | $750 | 36 months |
| Glucose Monitor | 75% of the fee | $500 | 12 months |
| Antenatal/Postnatal | $25 a visit | $250 | 2 months |
| Dietetics | $35 a visit | $600shared with chiropractic, podiatry, psychology, acupuncture, remedial massage, exercise physiology and osteopathy | 2 months |
| Exercise Physiology | $26 a visit first, then $22 a visit | $600shared with chiropractic, podiatry, psychology, acupuncture, remedial massage, dietetics and osteopathy | 2 months |
| Health Management | $65 a visit | $65 | 2 months |
| Home Nursing | $35 a visit | $950 | 2 months |
| Occupational Therapy | $35 a visit | $700shared with physiotherapy and speech therapy | 2 months |
| Orthotics | 75% of the fee | $200 | 2 months |
| Osteopathy | $35 a visit first, then $30 a visit | $600shared with chiropractic, podiatry, psychology, acupuncture, remedial massage, dietetics and exercise physiology | 2 months |
| Speech Therapy | $35 a visit first, then $40 a visit | $700shared with physiotherapy and occupational therapy | 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.
This policy limits how often you can claim. Benefits may be reduced if you exceed the frequency cap.
What it costs
| State | Single |
|---|---|
| NSW | $150.40 |
| VIC | $150.40 |
| QLD | $150.40 |
| WA | $150.40 |
| SA | $150.40 |
| TAS | $150.40 |
| NT | $150.40 |
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+$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 I3/NASK10 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.