Doctors' Health extras cover · restricted fund
Is Doctors' Health Total Extras 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 $162.05 a month before the rebate, $122.97 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
$1,276 behind
That costs $200 with no cover. On this policy you’d pay $1,476 in premiums and get $200 back.
Against the 219 policies from funds anyone can join that cover this, it would sit 202nd. nib’s DentalPass does best, $1,266 better off over the year.
Two dental visits and new glasses
$776 behind
That costs $700 with no cover. On this policy you’d pay $1,476 in premiums and get $700 back.
Against the 189 policies from funds anyone can join that cover this, it would sit 151st. Latrobe’s Core Essential Extras does best, $825 better off over the year.
Two dental visits, new glasses and six physio sessions
$476 behind
That costs $1,240 with no cover. On this policy you’d pay $1,476 in premiums and get $1,000 back.
Against the 181 policies from funds anyone can join that cover this, it would sit 137th. HCF’s Flex My Extras does best, $845 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 | Covered, amount not published as a set figure | $4,200shared with endodontic (root canal) | 12 months |
| Endodontic (Root Canal) | Covered, amount not published as a set figure | $4,200shared with major dental | 12 months |
| Orthodontic | 100% of the fee | Not published | 12 months |
| Optical | 100% of the fee | $700 | 2 months |
| Non-PBS Medications | Covered, amount not published as a set figure | $600shared with vaccinations | 2 months |
| Physiotherapy | $75 a visit first, then $50 a visit | $700shared with remedial massage and exercise physiology | 2 months |
| Podiatry | Covered, amount not published as a set figure | $1,000shared with antenatal/postnatal, dietetics, orthoptics, occupational therapy, orthotics and speech therapy | 2 months |
| Psychology | $100 a visit | $900 | 2 months |
| Acupuncture | 75% of the fee | $250shared with health management | 2 months |
| Remedial Massage | $50 a visit first, then $35 a visit | $700shared with physiotherapy and exercise physiology | 2 months |
| Hearing Aids | $800 a visit | $1,600 | 24 months |
| Glucose Monitor | 75% of the fee | $500 | 12 months |
| Audiology | $60 a visit | Not published | 2 months |
| Antenatal/Postnatal | Covered, amount not published as a set figure | $1,000shared with podiatry, dietetics, orthoptics, occupational therapy, orthotics and speech therapy | 2 months |
| Dietetics | Covered, amount not published as a set figure | $1,000shared with podiatry, antenatal/postnatal, orthoptics, occupational therapy, orthotics and speech therapy | 2 months |
| Exercise Physiology | $35 a visit | $700shared with physiotherapy and remedial massage | 2 months |
| Orthoptics | Covered, amount not published as a set figure | $1,000shared with podiatry, antenatal/postnatal, dietetics, occupational therapy, orthotics and speech therapy | 2 months |
| Health Management | 75% of the fee | $250shared with acupuncture | 2 months |
| Home Nursing | $30 a visit | $600 | 2 months |
| Occupational Therapy | Covered, amount not published as a set figure | $1,000shared with podiatry, antenatal/postnatal, dietetics, orthoptics, orthotics and speech therapy | 2 months |
| Orthotics | Covered, amount not published as a set figure | $1,000shared with podiatry, antenatal/postnatal, dietetics, orthoptics, occupational therapy and speech therapy | 12 months |
| Speech Therapy | Covered, amount not published as a set figure | $1,000shared with podiatry, antenatal/postnatal, dietetics, orthoptics, occupational therapy and orthotics | 2 months |
| Vaccinations | 85% of the fee | $600shared 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
This policy limits how often you can claim. Benefits may be reduced if you exceed the frequency cap.
Multiple services share a single annual limit pool.
What it costs
| State | Single | Couple |
|---|---|---|
| All states | $162.05 | $324.10 |
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/A0000S 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.