GMHBA extras cover
Is GMHBA SmartCare Starter Extras worth it?
For one adult in NSW, it pays back more than it costs in two of the three ways of using extras worked through below, and costs more than it pays back in the other. It is $37.45 a month before the rebate, $28.42 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
$141 behind
That costs $200 with no cover. On this policy you’d pay $341 in premiums and get $200 back.
11th of the 219 policies from funds anyone can join that cover this. nib’s DentalPass does best, $131 better off over the year.
Two dental visits and new glasses
+$59 ahead
That costs $700 with no cover. On this policy you’d pay $341 in premiums and get $400 back. It pays nothing towards optical.
Against the 189 policies from funds anyone can join that cover this, it would sit 1st. Nothing does better for this.
Two dental visits, new glasses and six physio sessions
+$159 ahead
That costs $1,240 with no cover. On this policy you’d pay $341 in premiums and get $500 back. It pays nothing towards optical.
Against the 181 policies from funds anyone can join that cover this, it would sit 16th. HCF’s Flex My Extras does best, $210 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 | $500shared with physiotherapy, chiropractic and osteopathy | 2 months |
| Physiotherapy | 60% of the fee | $500shared with general dental, chiropractic and osteopathy | 2 months |
| Chiropractic | 60% of the fee | $500shared with general dental, physiotherapy and osteopathy | 2 months |
| Osteopathy | 60% of the fee | $500shared with general dental, physiotherapy and chiropractic | 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 | $37.45 | $74.95 | $93.70 | $74.95 |
| VIC | $37.45 | $74.95 | $93.70 | $74.95 |
| QLD | $37.45 | $74.95 | $93.70 | $74.95 |
| WA | $37.45 | $74.95 | $93.70 | $74.95 |
| SA | $37.45 | $74.95 | $93.70 | $74.95 |
| TAS | $37.45 | $74.95 | $93.70 | $74.95 |
| NT | $37.45 | $74.95 | $93.70 | $74.95 |
Listed premiums a month, before the rebate. The rebate takes 24.118% off for most households under 65.
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 I49/NMHQ10 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.