Is private health insurance extras worth it in Australia?

It depends on your healthcare usage. The free calculator takes the dental, optical, physio and other services you expect to use and works out, for every matching policy, what you would pay in premiums and get back in benefits after waiting periods and limits.

How do I compare health insurance extras policies?

Enter your state, cover type (single/couple/family), and the healthcare services you expect to use. The calculator ranks every matching policy by what it returns against what it costs, and shows the working for each one.

Is the calculator free?

Yes. The verdict, the ranked policies and the working behind each one are all free. There is no subscription, and we never take commissions from insurers.

What is included in extras cover?

Extras cover (also called ancillary or general treatment) typically includes dental, optical, physiotherapy, chiropractic, remedial massage, podiatry, psychology and other allied health services not covered by Medicare.

Extras cover

Health Partners extras cover: which policies are worth it?

Health Partners sells 26 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.

Go to Health Partners

Every Health Partners 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.

Flex Extras: Eyes$40.91$253 behind+$47 ahead+$47 ahead$40.91 a month before the rebateA check-up$253 behindTeeth and glasses+$47 aheadTeeth, glasses, physio+$47 ahead
Base Extras$29.34$197 behind$27 behind$27 behind$29.34 a month before the rebateA check-up$197 behindTeeth and glasses$27 behindTeeth, glasses, physio$27 behind
Flex Extras: Eyes / Wellness$51.52$349 behind$49 behind$49 behind$51.52 a month before the rebateA check-up$349 behindTeeth and glasses$49 behindTeeth, glasses, physio$49 behind
Flex Extras: Eyes / Body$52.35$357 behind$57 behind+$267 ahead$52.35 a month before the rebateA check-up$357 behindTeeth and glasses$57 behindTeeth, glasses, physio+$267 ahead
Flex Extras: Teeth Pro / Eyes$55.86$389 behind$89 behind$89 behind$55.86 a month before the rebateA check-up$389 behindTeeth and glasses$89 behindTeeth, glasses, physio$89 behind
Flex Extras: Wellness$43.81$279 behind$159 behind$159 behind$43.81 a month before the rebateA check-up$279 behindTeeth and glasses$159 behindTeeth, glasses, physio$159 behind
Flex Extras: Body$44.72$287 behind$167 behind+$157 ahead$44.72 a month before the rebateA check-up$287 behindTeeth and glasses$167 behindTeeth, glasses, physio+$157 ahead
Flex Extras: Eyes / Body / Wellness$66.60$486 behind$186 behind+$138 ahead$66.60 a month before the rebateA check-up$486 behindTeeth and glasses$186 behindTeeth, glasses, physio+$138 ahead
Flex Extras: Teeth Pro$48.62$323 behind$203 behind$203 behind$48.62 a month before the rebateA check-up$323 behindTeeth and glasses$203 behindTeeth, glasses, physio$203 behind
Flex Extras: Teeth Pro / Eyes / Wellness$70.03$518 behind$218 behind$218 behind$70.03 a month before the rebateA check-up$518 behindTeeth and glasses$218 behindTeeth, glasses, physio$218 behind
Flex Extras: Teeth Pro / Eyes / Body$70.85$525 behind$225 behind+$99 ahead$70.85 a month before the rebateA check-up$525 behindTeeth and glasses$225 behindTeeth, glasses, physio+$99 ahead
Flex Extras: Body / Wellness$54.95$380 behind$260 behind+$64 ahead$54.95 a month before the rebateA check-up$380 behindTeeth and glasses$260 behindTeeth, glasses, physio+$64 ahead
Flex Extras: Teeth Pro / Wellness$58.41$412 behind$292 behind$292 behind$58.41 a month before the rebateA check-up$412 behindTeeth and glasses$292 behindTeeth, glasses, physio$292 behind
Flex Extras: Teeth Pro / Body$59.24$419 behind$299 behind+$25 ahead$59.24 a month before the rebateA check-up$419 behindTeeth and glasses$299 behindTeeth, glasses, physio+$25 ahead
Combined Good Extras$59.80$435 behind$325 behind$325 behind$59.80 a month before the rebateA check-up$435 behindTeeth and glasses$325 behindTeeth, glasses, physio$325 behind
Flex Extras: Teeth Pro / Eyes / Body / Wellness$84.76$652 behind$352 behind$28 behind$84.76 a month before the rebateA check-up$652 behindTeeth and glasses$352 behindTeeth, glasses, physio$28 behind
Good Extras$66.43$495 behind$385 behind$385 behind$66.43 a month before the rebateA check-up$495 behindTeeth and glasses$385 behindTeeth, glasses, physio$385 behind
Combined Growing Family Extras$75.14$650 behind$415 behind$205 behind$75.14 a month before the rebateA check-up$650 behindTeeth and glasses$415 behindTeeth, glasses, physio$205 behind
Flex Extras: Teeth Pro / Body / Wellness$73.41$548 behind$428 behind$104 behind$73.41 a month before the rebateA check-up$548 behindTeeth and glasses$428 behindTeeth, glasses, physio$104 behind
Growing Family Extras$83.50$726 behind$491 behind$281 behind$83.50 a month before the rebateA check-up$726 behindTeeth and glasses$491 behindTeeth, glasses, physio$281 behind
Combined Better Extras$94.51$731 behind$601 behind$601 behind$94.51 a month before the rebateA check-up$731 behindTeeth and glasses$601 behindTeeth, glasses, physio$601 behind
Combined Active Family Extras$104.52$907 behind$662 behind$452 behind$104.52 a month before the rebateA check-up$907 behindTeeth and glasses$662 behindTeeth, glasses, physio$452 behind
Better Extras$105.00$826 behind$696 behind$696 behind$105.00 a month before the rebateA check-up$826 behindTeeth and glasses$696 behindTeeth, glasses, physio$696 behind
Active Family Extras$116.13$1,013 behind$768 behind$558 behind$116.13 a month before the rebateA check-up$1,013 behindTeeth and glasses$768 behindTeeth, glasses, physio$558 behind
Combined Best Extras$134.51$1,065 behind$905 behind$905 behind$134.51 a month before the rebateA check-up$1,065 behindTeeth and glasses$905 behindTeeth, glasses, physio$905 behind
Best Extras$149.46$1,201 behind$1,041 behind$1,041 behind$149.46 a month before the rebateA check-up$1,201 behindTeeth and glasses$1,041 behindTeeth, glasses, physio$1,041 behind

These are three set examples, not your year.

Put in what you actually use and the calculator ranks every policy from every fund, Health Partners 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.