HCF extras cover
Is HCF Flex My 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 $40.59 a month before the rebate, $30.80 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
$250 behind
That costs $200 with no cover. On this policy you’d pay $370 in premiums and get $120 back.
25th of the 219 policies from funds anyone can join that cover this. nib’s DentalPass does best, $240 better off over the year.
Two dental visits and new glasses
+$45 ahead
That costs $700 with no cover. On this policy you’d pay $370 in premiums and get $415 back.
3rd of the 189 policies from funds anyone can join that cover this. Latrobe’s Core Essential Extras does best, $4 better off over the year.
Two dental visits, new glasses and six physio sessions
+$369 ahead
That costs $1,240 with no cover. On this policy you’d pay $370 in premiums and get $739 back.
1st of the 181 policies from funds anyone can join that cover this. Nothing does better for this.
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 | $650shared with physiotherapy, acupuncture, chinese herbal medicine, dietetics, exercise physiology and vaccinations | 2 months |
| Optical | 60% of the fee | $175 | 2 months |
| Physiotherapy | 60% of the fee | $650shared with general dental, acupuncture, chinese herbal medicine, dietetics, exercise physiology and vaccinations | 2 months |
| Acupuncture | 60% of the fee | $650shared with general dental, physiotherapy, chinese herbal medicine, dietetics, exercise physiology and vaccinations | 2 months |
| Remedial Massage | 60% of the fee | $100 | 2 months |
| Chinese Herbal Medicine | 60% of the fee | $650shared with general dental, physiotherapy, acupuncture, dietetics, exercise physiology and vaccinations | 2 months |
| Dietetics | 60% of the fee | $650shared with general dental, physiotherapy, acupuncture, chinese herbal medicine, exercise physiology and vaccinations | 2 months |
| Exercise Physiology | 60% of the fee | $650shared with general dental, physiotherapy, acupuncture, chinese herbal medicine, dietetics and vaccinations | 2 months |
| Vaccinations | 60% of the fee | $650shared with general dental, physiotherapy, acupuncture, chinese herbal medicine, dietetics and exercise physiology | 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.
Specific rules apply to dental services.
What it costs
| State | Single | Couple |
|---|---|---|
| NSW | $40.59 | $81.18 |
| VIC | $45.54 | $91.08 |
| QLD | $43.79 | $87.58 |
| WA | $40.95 | $81.90 |
| SA | $45.82 | $91.64 |
| TAS | $34.38 | $68.76 |
| NT | $37.03 | $74.06 |
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
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/NOYD10 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.