Defence Health extras cover · restricted fund
Is Defence Health Flex Extras worth it?
For one adult in NSW, it pays back more than it costs in one of the three ways of using extras worked through below, and costs more than it pays back in the other two. It is $56.00 a month before the rebate, $42.49 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
$472 behind
That costs $200 with no cover. On this policy you’d pay $510 in premiums and get $38 back.
Against the 219 policies from funds anyone can join that cover this, it would sit 83rd. nib’s DentalPass does best, $462 better off over the year.
Two dental visits and new glasses
$235 behind
That costs $700 with no cover. On this policy you’d pay $510 in premiums and get $275 back.
Against the 189 policies from funds anyone can join that cover this, it would sit 56th. Latrobe’s Core Essential Extras does best, $284 better off over the year.
Two dental visits, new glasses and six physio sessions
+$115 ahead
That costs $1,240 with no cover. On this policy you’d pay $510 in premiums and get $625 back.
Against the 181 policies from funds anyone can join that cover this, it would sit 24th. HCF’s Flex My Extras does best, $254 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 | $38 a visit | $600shared with major dental and endodontic (root canal) | 2 months |
| Major Dental | $125 a visit | $600shared with general dental and endodontic (root canal) | 12 months |
| Endodontic (Root Canal) | $117 a visit | $600shared with general dental and major dental | 12 months |
| Optical | 100% of the fee | $200 | 2 months |
| Non-PBS Medications | $60 a visit | $100shared with vaccinations | 2 months |
| Physiotherapy | $97 a visit first, then $79 a visit | $350shared with exercise physiology | 2 months |
| Chiropractic | $66 a visit first, then $43 a visit | $250shared with osteopathy | 2 months |
| Psychology | $200 a visit first, then $165 a visit | $200 | 2 months |
| Acupuncture | $76 a visit first, then $62 a visit | $200shared with remedial massage | 2 months |
| Remedial Massage | $60 a visit first, then $52 a visit | $200shared with acupuncture | 2 months |
| Exercise Physiology | $77 a visit first, then $54 a visit | $350shared with physiotherapy | 2 months |
| Osteopathy | $80 a visit first, then $65 a visit | $250shared with chiropractic | 2 months |
| Vaccinations | $60 a visit | $100shared 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.
What it costs
| State | Single | Couple | Family | Single parent |
|---|---|---|---|---|
| NSW | $56.00 | $112.00 | $112.00 | $56.00 |
| VIC | $56.00 | $112.00 | $112.00 | $56.00 |
| QLD | $56.00 | $112.00 | $112.00 | $56.00 |
| WA | $50.00 | $100.00 | $100.00 | $50.00 |
| SA | $54.00 | $108.00 | $108.00 | $54.00 |
| TAS | $54.00 | $108.00 | $108.00 | $54.00 |
| NT | $54.00 | $108.00 | $108.00 | $54.00 |
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 I8/NLTK10 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.