Extras cover
GMHBA extras cover: which policies are worth it?
GMHBA sells 11 extras policies you can take out on their own. For someone with two dental visits and new glasses in a year, one pays back more than it costs.
Every GMHBA 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.
- SmartCare Starter Extras$141 behind+$59 ahead+$159 ahead$37.45 a month before the rebateA check-up$141 behindTeeth and glasses+$59 aheadTeeth, glasses, physio+$159 ahead
- SmartCare Starter Extras with sub-limits$65 behind$15 behind+$235 ahead$29.15 a month before the rebateA check-up$65 behindTeeth and glasses$15 behindTeeth, glasses, physio+$235 ahead
- Frank Easy Extras$228 behind$98 behind+$94 ahead$28.30 a month before the rebateA check-up$228 behindTeeth and glasses$98 behindTeeth, glasses, physio+$94 ahead
- SmartCare Everyday Extras with sub-limits$321 behind$121 behind+$203 ahead$57.25 a month before the rebateA check-up$321 behindTeeth and glasses$121 behindTeeth, glasses, physio+$203 ahead
- SmartCare Everyday Extras$416 behind$216 behind+$108 ahead$67.65 a month before the rebateA check-up$416 behindTeeth and glasses$216 behindTeeth, glasses, physio+$108 ahead
- Frank Classic Extras$488 behind$256 behind$4 behind$57.20 a month before the rebateA check-up$488 behindTeeth and glasses$256 behindTeeth, glasses, physio$4 behind
- Mid Extras Set Benefits$563 behind$363 behind$363 behind$61.85 a month before the rebateA check-up$563 behindTeeth and glasses$363 behindTeeth, glasses, physio$363 behind
- Frank Max Extras$681 behind$396 behind$132 behind$78.70 a month before the rebateA check-up$681 behindTeeth and glasses$396 behindTeeth, glasses, physio$132 behind
- SmartCare Complete Extras with sub-limits$615 behind$415 behind$91 behind$89.50 a month before the rebateA check-up$615 behindTeeth and glasses$415 behindTeeth, glasses, physio$91 behind
- SmartCare Complete Extras$795 behind$595 behind$271 behind$109.30 a month before the rebateA check-up$795 behindTeeth and glasses$595 behindTeeth, glasses, physio$271 behind
- Mid Extras 65% Benefits$901 behind$706 behind$706 behind$98.95 a month before the rebateA check-up$901 behindTeeth and glasses$706 behindTeeth, glasses, physio$706 behind
These are three set examples, not your year.
Put in what you actually use and the calculator ranks every policy from every fund, GMHBA 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.