Latrobe extras cover
Is Latrobe Core Complete 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 $55.80 a month before the rebate, $42.34 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
$478 behind
That costs $200 with no cover. On this policy you’d pay $508 in premiums and get $31 back.
84th of the 219 policies from funds anyone can join that cover this. nib’s DentalPass does best, $468 better off over the year.
Two dental visits and new glasses
$247 behind
That costs $700 with no cover. On this policy you’d pay $508 in premiums and get $261 back.
61st of the 189 policies from funds anyone can join that cover this. Latrobe’s Core Essential Extras does best, $296 better off over the year.
Two dental visits, new glasses and six physio sessions
+$23 ahead
That costs $1,240 with no cover. On this policy you’d pay $508 in premiums and get $531 back.
50th of the 181 policies from funds anyone can join that cover this. HCF’s Flex My Extras does best, $346 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 | $31 a visit | $1,000shared with major dental and endodontic (root canal) | 2 months |
| Major Dental | $557 a visit | $1,000shared with general dental and endodontic (root canal) | 12 months |
| Endodontic (Root Canal) | $110 a visit | $1,000shared with general dental and major dental | 2 months |
| Orthodontic | $1800 a visit | $600 | 12 months |
| Optical | $200 a visit | $200 | 6 months |
| Non-PBS Medications | $35 a visit | $300shared with audiology, orthoptics, home nursing, occupational therapy, speech therapy and vaccinations | 2 months |
| Physiotherapy | $45 a visit | $300shared with chiropractic and osteopathy | 2 months |
| Chiropractic | $36 a visit | $300shared with physiotherapy and osteopathy | 2 months |
| Podiatry | $25 a visit | $300shared with orthotics | 2 months |
| Psychology | $50 a visit | $300 | 2 months |
| Acupuncture | $36 a visit | $300shared with remedial massage and dietetics | 2 months |
| Remedial Massage | $36 a visit | $300shared with acupuncture and dietetics | 2 months |
| Hearing Aids | 70% of the fee | $500 | 12 months |
| Glucose Monitor | 70% of the fee | $200 | 12 months |
| Audiology | $25 a visit | $300shared with non-pbs medications, orthoptics, home nursing, occupational therapy, speech therapy and vaccinations | 2 months |
| Dietetics | $36 a visit | $300shared with acupuncture and remedial massage | 2 months |
| Orthoptics | $25 a visit | $300shared with non-pbs medications, audiology, home nursing, occupational therapy, speech therapy and vaccinations | 2 months |
| Health Management | 70% of the fee | $500 | 12 months |
| Home Nursing | $24 a visit | $300shared with non-pbs medications, audiology, orthoptics, occupational therapy, speech therapy and vaccinations | 2 months |
| Occupational Therapy | $25 a visit | $300shared with non-pbs medications, audiology, orthoptics, home nursing, speech therapy and vaccinations | 2 months |
| Orthotics | $70 a visit | $300shared with podiatry | 2 months |
| Osteopathy | $36 a visit | $300shared with physiotherapy and chiropractic | 2 months |
| Speech Therapy | $25 a visit | $300shared with non-pbs medications, audiology, orthoptics, home nursing, occupational therapy and vaccinations | 2 months |
| Vaccinations | $35 a visit | $300shared with non-pbs medications, audiology, orthoptics, home nursing, occupational therapy and speech therapy | 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 | $55.80 | $111.59 | $111.59 | $83.70 |
| VIC | $55.80 | $111.59 | $111.59 | $83.70 |
| QLD | $55.80 | $111.59 | $111.59 | $83.70 |
| WA | $46.04 | $92.09 | $92.09 | $69.07 |
| SA | $51.46 | $102.92 | $102.92 | $77.20 |
| TAS | $48.75 | $97.51 | $97.51 | $73.13 |
| NT | $55.80 | $111.59 | $111.59 | $83.70 |
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 I3/NBHC10 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.