HCF extras cover
Is HCF Mid 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 $49.40 a month before the rebate, $37.49 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
$417 behind
That costs $200 with no cover. On this policy you’d pay $450 in premiums and get $33 back.
62nd of the 219 policies from funds anyone can join that cover this. nib’s DentalPass does best, $407 better off over the year.
Two dental visits and new glasses
$184 behind
That costs $700 with no cover. On this policy you’d pay $450 in premiums and get $266 back.
42nd of the 189 policies from funds anyone can join that cover this. Latrobe’s Core Essential Extras does best, $233 better off over the year.
Two dental visits, new glasses and six physio sessions
+$110 ahead
That costs $1,240 with no cover. On this policy you’d pay $450 in premiums and get $560 back.
26th of the 181 policies from funds anyone can join that cover this. HCF’s Flex My Extras does best, $259 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 | $33 a visit | $700shared with major dental and endodontic (root canal) | 2 months |
| Major Dental | $167 a visit | $700shared with general dental and endodontic (root canal) | 12 months |
| Endodontic (Root Canal) | $165 a visit | $700shared with general dental and major dental | 12 months |
| Optical | 100% of the fee | $200 | 2 months |
| Physiotherapy | $56 a visit first, then $49 a visit | $350shared with exercise physiology | 2 months |
| Chiropractic | $38 a visit first, then $34 a visit | $150shared with acupuncture, remedial massage, chinese herbal medicine and osteopathy | 2 months |
| Acupuncture | $36 a visit | $150shared with chiropractic, remedial massage, chinese herbal medicine and osteopathy | 2 months |
| Remedial Massage | $36 a visit | $150shared with chiropractic, acupuncture, chinese herbal medicine and osteopathy | 2 months |
| Chinese Herbal Medicine | $36 a visit | $150shared with chiropractic, acupuncture, remedial massage and osteopathy | 2 months |
| Exercise Physiology | $33 a visit | $350shared with physiotherapy | 2 months |
| Health Management | $50 a visit | $50 | 2 months |
| Osteopathy | $46 a visit first, then $39 a visit | $150shared with chiropractic, acupuncture, remedial massage and chinese herbal medicine | 2 months |
| Vaccinations | $50 a visit | $100 | 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
Higher benefits may require using specific providers or networks.
What it costs
| State | Single | Couple | Family | Single parent |
|---|---|---|---|---|
| NSW | $49.40 | $98.80 | $99.78 | $79.04 |
| VIC | $54.27 | $108.54 | $109.62 | $86.83 |
| QLD | $56.47 | $112.94 | $114.06 | $90.35 |
| WA | $46.22 | $92.44 | $93.36 | $73.95 |
| SA | $53.38 | $106.76 | $107.82 | $85.40 |
| TAS | $37.57 | $75.14 | $75.89 | $60.11 |
| NT | $35.79 | $71.58 | $72.29 | $57.26 |
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 I30/NKTX10 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.