Latrobe extras cover
Is Latrobe Premier Singles and Couples Extras worth it?
For one adult in NSW, it costs more than it pays back in all three of the ways of using extras worked through below. It is $94.63 a month before the rebate, $71.81 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
$820 behind
That costs $200 with no cover. On this policy you’d pay $862 in premiums and get $42 back.
155th of the 219 policies from funds anyone can join that cover this. nib’s DentalPass does best, $810 better off over the year.
Two dental visits and new glasses
$528 behind
That costs $700 with no cover. On this policy you’d pay $862 in premiums and get $334 back.
119th of the 189 policies from funds anyone can join that cover this. Latrobe’s Core Essential Extras does best, $577 better off over the year.
Two dental visits, new glasses and six physio sessions
$228 behind
That costs $1,240 with no cover. On this policy you’d pay $862 in premiums and get $634 back.
100th of the 181 policies from funds anyone can join that cover this. HCF’s Flex My Extras does best, $597 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 | $42 a visit | $1,000shared with endodontic (root canal) | 2 months |
| Major Dental | $680 a visit | $875 | 12 months |
| Endodontic (Root Canal) | $145 a visit | $1,000shared with general dental | 2 months |
| Orthodontic | $750 a visit | $750 | 12 months |
| Optical | $250 a visit | $250 | 6 months |
| Non-PBS Medications | $50 a visit | $340shared with vaccinations | 2 months |
| Physiotherapy | $50 a visit | $550shared with chiropractic, exercise physiology and osteopathy | 2 months |
| Chiropractic | $45 a visit | $550shared with physiotherapy, exercise physiology and osteopathy | 2 months |
| Podiatry | $45 a visit | $400shared with orthotics | 2 months |
| Psychology | $90 a visit | $450 | 2 months |
| Acupuncture | $45 a visit | $400shared with remedial massage, chinese herbal medicine and dietetics | 2 months |
| Remedial Massage | $45 a visit | $400shared with acupuncture, chinese herbal medicine and dietetics | 2 months |
| Hearing Aids | 65% of the fee | Not published | 12 months |
| Glucose Monitor | 65% of the fee | Not published | 12 months |
| Audiology | $40 a visit | $400shared with occupational therapy | 2 months |
| Chinese Herbal Medicine | $45 a visit | $400shared with acupuncture, remedial massage and dietetics | 2 months |
| Dietetics | $45 a visit | $400shared with acupuncture, remedial massage and chinese herbal medicine | 2 months |
| Exercise Physiology | $45 a visit | $550shared with physiotherapy, chiropractic and osteopathy | 2 months |
| Health Management | $40 a visit | $225 | 2 months |
| Occupational Therapy | $40 a visit | $400shared with audiology | None |
| Orthotics | 65% of the fee | $400shared with podiatry | 2 months |
| Osteopathy | $45 a visit | $550shared with physiotherapy, chiropractic and exercise physiology | 2 months |
| Vaccinations | $50 a visit | $340shared with non-pbs medications | 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 | $94.63 | $189.26 | $217.65 | $141.95 |
| VIC | $94.54 | $189.08 | $217.44 | $141.81 |
| QLD | $96.08 | $192.16 | $187.63 | $144.12 |
| WA | $81.58 | $163.15 | $187.63 | $122.37 |
| SA | $90.64 | $181.28 | $208.47 | $135.96 |
| TAS | $86.11 | $172.22 | $198.05 | $129.17 |
| NT | $92.91 | $185.81 | $213.69 | $139.37 |
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 I18/NCEY10 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.