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

Medibank extras cover: which policies are worth it?

Medibank sells 20 extras policies you can take out on their own. For someone with two dental visits and new glasses in a year, none pay back more than they cost.

Go to Medibank

Every Medibank 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.

Essential Extras 60$33.90$285 behind$112 behind+$77 ahead$33.90 a month before the rebateA check-up$285 behindTeeth and glasses$112 behindTeeth, glasses, physio+$77 ahead
Healthy Living Extras$20.85$167 behind$145 behind$145 behind$20.85 a month before the rebateA check-up$167 behindTeeth and glasses$145 behindTeeth, glasses, physio$145 behind
Healthy Start Extras$38.05$323 behind$149 behind+$40 ahead$38.05 a month before the rebateA check-up$323 behindTeeth and glasses$149 behindTeeth, glasses, physio+$40 ahead
My Choice Extras Core 60$38.70$329 behind$155 behind$155 behind$38.70 a month before the rebateA check-up$329 behindTeeth and glasses$155 behindTeeth, glasses, physio$155 behind
Essential Extras 75$59.60$515 behind$288 behind$48 behind$59.60 a month before the rebateA check-up$515 behindTeeth and glasses$288 behindTeeth, glasses, physio$48 behind
My Choice Extras Move 60$53.75$466 behind$292 behind$127 behind$53.75 a month before the rebateA check-up$466 behindTeeth and glasses$292 behindTeeth, glasses, physio$127 behind
My Choice Extras Core 75$62.75$544 behind$316 behind$316 behind$62.75 a month before the rebateA check-up$544 behindTeeth and glasses$316 behindTeeth, glasses, physio$316 behind
Growing Family 60$69.05$605 behind$382 behind$193 behind$69.05 a month before the rebateA check-up$605 behindTeeth and glasses$382 behindTeeth, glasses, physio$193 behind
My Choice Extras Family 60$72.20$634 behind$410 behind$245 behind$72.20 a month before the rebateA check-up$634 behindTeeth and glasses$410 behindTeeth, glasses, physio$245 behind
My Choice Extras Support 60$72.20$634 behind$410 behind$245 behind$72.20 a month before the rebateA check-up$634 behindTeeth and glasses$410 behindTeeth, glasses, physio$245 behind
Comprehensive Extras$80.40$709 behind$485 behind$296 behind$80.40 a month before the rebateA check-up$709 behindTeeth and glasses$485 behindTeeth, glasses, physio$296 behind
My Choice Extras Complete 60$83.70$739 behind$515 behind$350 behind$83.70 a month before the rebateA check-up$739 behindTeeth and glasses$515 behindTeeth, glasses, physio$350 behind
My Choice Extras Move 75$85.75$753 behind$526 behind$310 behind$85.75 a month before the rebateA check-up$753 behindTeeth and glasses$526 behindTeeth, glasses, physio$310 behind
Growing Family 70$103.25$913 behind$660 behind$420 behind$103.25 a month before the rebateA check-up$913 behindTeeth and glasses$660 behindTeeth, glasses, physio$420 behind
My Choice Extras Family 75$117.15$1,039 behind$787 behind$571 behind$117.15 a month before the rebateA check-up$1,039 behindTeeth and glasses$787 behindTeeth, glasses, physio$571 behind
My Choices Extras Support 75$117.15$1,039 behind$787 behind$571 behind$117.15 a month before the rebateA check-up$1,039 behindTeeth and glasses$787 behindTeeth, glasses, physio$571 behind
Comprehensive Extras Boost$128.70$1,144 behind$892 behind$652 behind$128.70 a month before the rebateA check-up$1,144 behindTeeth and glasses$892 behindTeeth, glasses, physio$652 behind
My Choice Extras Complete 75$135.80$1,209 behind$956 behind$740 behind$135.80 a month before the rebateA check-up$1,209 behindTeeth and glasses$956 behindTeeth, glasses, physio$740 behind
My Choice Extras Complete 90$182.05$1,621 behind$1,335 behind$1,068 behind$182.05 a month before the rebateA check-up$1,621 behindTeeth and glasses$1,335 behindTeeth, glasses, physio$1,068 behind
Comprehensive Extras Max$184.05$1,640 behind$1,353 behind$1,062 behind$184.05 a month before the rebateA check-up$1,640 behindTeeth and glasses$1,353 behindTeeth, glasses, physio$1,062 behind

These are three set examples, not your year.

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