HCF extras cover
Is HCF Choose My 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 $67.37 a month before the rebate, $51.12 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
$493 behind
That costs $200 with no cover. On this policy you’d pay $613 in premiums and get $120 back.
90th of the 219 policies from funds anyone can join that cover this. nib’s DentalPass does best, $483 better off over the year.
Two dental visits and new glasses
$193 behind
That costs $700 with no cover. On this policy you’d pay $613 in premiums and get $420 back.
44th of the 189 policies from funds anyone can join that cover this. Latrobe’s Core Essential Extras does best, $243 better off over the year.
Two dental visits, new glasses and six physio sessions
+$131 ahead
That costs $1,240 with no cover. On this policy you’d pay $613 in premiums and get $744 back.
23rd of the 181 policies from funds anyone can join that cover this. HCF’s Flex My Extras does best, $239 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 | 60% of the fee | $350 | 2 months |
| Major Dental | 60% of the fee | $500shared with endodontic (root canal) | 12 months |
| Endodontic (Root Canal) | 60% of the fee | $500shared with major dental | 12 months |
| Orthodontic | 60% of the fee | $450 | 12 months |
| Optical | 60% of the fee | $225 | 2 months |
| Physiotherapy | 60% of the fee | $350shared with exercise physiology | 2 months |
| Chiropractic | 60% of the fee | $200shared with osteopathy | 2 months |
| Podiatry | 60% of the fee | $200 | 2 months |
| Psychology | 60% of the fee | $300 | 2 months |
| Acupuncture | 60% of the fee | $200shared with remedial massage and chinese herbal medicine | 2 months |
| Remedial Massage | 60% of the fee | $200shared with acupuncture and chinese herbal medicine | 2 months |
| Antenatal/Postnatal | 60% of the fee | $125shared with health management | 2 months |
| Chinese Herbal Medicine | 60% of the fee | $200shared with acupuncture and remedial massage | 2 months |
| Dietetics | 60% of the fee | $200 | 2 months |
| Exercise Physiology | 60% of the fee | $350shared with physiotherapy | 2 months |
| Health Management | 60% of the fee | $125shared with antenatal/postnatal | 2 months |
| Occupational Therapy | 60% of the fee | $300shared with speech therapy | 2 months |
| Osteopathy | 60% of the fee | $200shared with chiropractic | 2 months |
| Speech Therapy | 60% of the fee | $300shared with occupational therapy | 2 months |
| Vaccinations | 60% of the fee | $180 | 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
Specific rules apply to dental services.
What it costs
| State | Single | Couple | Family | Single parent |
|---|---|---|---|---|
| NSW | $67.37 | $134.74 | $136.08 | $107.79 |
| VIC | $67.98 | $135.96 | $137.31 | $108.76 |
| QLD | $66.86 | $133.72 | $135.05 | $106.97 |
| WA | $62.70 | $125.40 | $126.65 | $100.32 |
| SA | $68.18 | $136.36 | $137.72 | $109.08 |
| TAS | $51.32 | $102.64 | $103.66 | $82.11 |
| NT | $51.42 | $102.84 | $103.86 | $82.27 |
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 I31/NPWH10 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.