Latrobe extras cover
Is Latrobe Core Families Extras worth it?
For a family with two adults 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 $96.30 a month before the rebate, $73.07 after.
Three ways of using it
Worked for a family with two adults 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. Each adult uses it this way.
One dental check-up a year
$813 behind
That costs $400 with no cover. On this policy you’d pay $877 in premiums and get $64 back.
46th of the 227 policies from funds anyone can join that cover this. ahm’s choosable 50 – teeth does best, $664 better off over the year.
Two dental visits and new glasses
$349 behind
That costs $1,400 with no cover. On this policy you’d pay $877 in premiums and get $528 back.
34th of the 201 policies from funds anyone can join that cover this. Latrobe’s Core Essential Extras does best, $447 better off over the year.
Two dental visits, new glasses and six physio sessions
+$51 ahead
That costs $2,480 with no cover. On this policy you’d pay $877 in premiums and get $928 back.
42nd of the 193 policies from funds anyone can join that cover this. HBF’s Value 50 does best, $517 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 | $32 a visit | Not publishedshared with endodontic (root canal) | 2 months |
| Endodontic (Root Canal) | $132 a visit | Not publishedshared with general dental | 2 months |
| Optical | $200 a visit | Not published | 6 months |
| Physiotherapy | $40 a visit | $600shared with chiropractic, antenatal/postnatal, exercise physiology, osteopathy and speech therapy | 2 months |
| Chiropractic | $30 a visit | $600shared with physiotherapy, antenatal/postnatal, exercise physiology, osteopathy and speech therapy | 2 months |
| Psychology | $30 a visit | $675 | 2 months |
| Acupuncture | $30 a visit | $450shared with remedial massage and dietetics | 2 months |
| Remedial Massage | $35 a visit | $450shared with acupuncture and dietetics | 2 months |
| Antenatal/Postnatal | $30 a visit | $600shared with physiotherapy, chiropractic, exercise physiology, osteopathy and speech therapy | 2 months |
| Dietetics | $30 a visit | $450shared with acupuncture and remedial massage | 2 months |
| Exercise Physiology | $30 a visit | $600shared with physiotherapy, chiropractic, antenatal/postnatal, osteopathy and speech therapy | 2 months |
| Health Management | 65% of the fee | Not published | 12 months |
| Osteopathy | $40 a visit | $600shared with physiotherapy, chiropractic, antenatal/postnatal, exercise physiology and speech therapy | 2 months |
| Speech Therapy | $30 a visit | $600shared with physiotherapy, chiropractic, antenatal/postnatal, exercise physiology and osteopathy | 2 months |
As listed for a family with two adults 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 | Family | Single parent |
|---|---|---|
| NSW | $96.30 | $72.22 |
| VIC | $96.30 | $72.22 |
| QLD | $96.30 | $72.22 |
| WA | $93.50 | $70.12 |
| SA | $93.50 | $70.12 |
| TAS | $93.50 | $70.12 |
| NT | $96.30 | $72.22 |
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+$98 ahead
- 2HBF Value 50+$28 ahead
- 3Health Partners Flex Extras: Eyes+$20 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 I17/NBLV2D 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.