Extras cover · restricted fund
Defence Health extras cover: which policies are worth it?
Defence Health sells 9 extras policies you can take out on their own. For someone with two dental visits and new glasses in a year, none pay back more than they cost.
Every Defence Health extras policy
Each one worked for one adult in NSW unless marked, under 65, after the rebate, over a year at typical prices. The three columns are a year with one dental check-up a year; two dental visits and new glasses; two dental visits, new glasses and six physio sessions.
- Essentials Extras$255 behind$55 behind+$347 ahead$31.44 a month before the rebateA check-up$255 behindTeeth and glasses$55 behindTeeth, glasses, physio+$347 ahead
- Saver Extras$240 behind$59 behind+$141 ahead$29.70 a month before the rebateA check-up$240 behindTeeth and glasses$59 behindTeeth, glasses, physio+$141 ahead
- Standard Extras$263 behind$83 behind+$49 ahead$32.16 a month before the rebateA check-up$263 behindTeeth and glasses$83 behindTeeth, glasses, physio+$49 ahead
- Starter Extras$134 behind$103 behind+$97 ahead$18.10 a month before the rebateA check-up$134 behindTeeth and glasses$103 behindTeeth, glasses, physio+$97 ahead
- Flex Extras$472 behind$235 behind+$115 ahead$56.00 a month before the rebateA check-up$472 behindTeeth and glasses$235 behindTeeth, glasses, physio+$115 ahead
- Top Extras$547 behind$257 behind$23 behind$63.95 a month before the rebateA check-up$547 behindTeeth and glasses$257 behindTeeth, glasses, physio$23 behind
- Value Extras$625 behind$332 behind+$142 ahead$72.75 a month before the rebateA check-up$625 behindTeeth and glasses$332 behindTeeth, glasses, physio+$142 ahead
- Lifestyle Extras$618 behind$355 behind+$95 ahead$72.00 a month before the rebateA check-up$618 behindTeeth and glasses$355 behindTeeth, glasses, physio+$95 ahead
- Premier Extras$1,059 behind$714 behind$180 behind$121.23 a month before the rebateA check-up$1,059 behindTeeth and glasses$714 behindTeeth, glasses, physio$180 behind
These are three set examples, not your year.
Put in what you actually use and the calculator ranks every policy from every fund, Defence Health included.
Work out mine →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. Corporate products and extras sold only with a hospital policy are left out. 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.