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

nib extras cover: which policies are worth it?

nib sells 53 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.

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Every nib 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.

DentalPass$3.84$10 behind$10 behind$10 behind$3.84 a month before the rebateA check-up$10 behindTeeth and glasses$10 behindTeeth, glasses, physio$10 behind
AAMI Starter Extras$35.03$284 behind$99 behind+$151 ahead$35.03 a month before the rebateA check-up$284 behindTeeth and glasses$99 behindTeeth, glasses, physio+$151 ahead
Suncorp Health Insurance Starter Extras$35.03$284 behind$99 behind+$151 ahead$35.03 a month before the rebateA check-up$284 behindTeeth and glasses$99 behindTeeth, glasses, physio+$151 ahead
Value Extras$21.98$165 behind$130 behind+$70 ahead$21.98 a month before the rebateA check-up$165 behindTeeth and glasses$130 behindTeeth, glasses, physio+$70 ahead
Qantas Starter Extras$42.70$354 behind$168 behind+$32 ahead$42.70 a month before the rebateA check-up$354 behindTeeth and glasses$168 behindTeeth, glasses, physio+$32 ahead
Basic Extras$35.39$322 behind$172 behind+$28 ahead$35.39 a month before the rebateA check-up$322 behindTeeth and glasses$172 behindTeeth, glasses, physio+$28 ahead
ING Essential Extras$52.95$447 behind$232 behind+$68 ahead$52.95 a month before the rebateA check-up$447 behindTeeth and glasses$232 behindTeeth, glasses, physio+$68 ahead
AAMI Starter Boost Extras$53.13$449 behind$233 behind+$91 ahead$53.13 a month before the rebateA check-up$449 behindTeeth and glasses$233 behindTeeth, glasses, physio+$91 ahead
Suncorp Health Insurance Everyday Extras$53.81$455 behind$240 behind+$84 ahead$53.81 a month before the rebateA check-up$455 behindTeeth and glasses$240 behindTeeth, glasses, physio+$84 ahead
Apia Essential Extras$54.08$457 behind$242 behind+$82 ahead$54.08 a month before the rebateA check-up$457 behindTeeth and glasses$242 behindTeeth, glasses, physio+$82 ahead
Core Extras$55.30$468 behind$253 behind+$71 ahead$55.30 a month before the rebateA check-up$468 behindTeeth and glasses$253 behindTeeth, glasses, physio+$71 ahead
Seniors Essentials Extras$57.15$485 behind$270 behind+$30 ahead$57.15 a month before the rebateA check-up$485 behindTeeth and glasses$270 behindTeeth, glasses, physio+$30 ahead
Qantas Basic Extras$57.42$488 behind$272 behind+$52 ahead$57.42 a month before the rebateA check-up$488 behindTeeth and glasses$272 behindTeeth, glasses, physio+$52 ahead
Real Starter Extras$59.76$509 behind$294 behind+$6 ahead$59.76 a month before the rebateA check-up$509 behindTeeth and glasses$294 behindTeeth, glasses, physio+$6 ahead
Dental Boost$63.06$539 behind$354 behind$84 behind$63.06 a month before the rebateA check-up$539 behindTeeth and glasses$354 behindTeeth, glasses, physio$84 behind
Core and Young at Heart Extras$73.53$634 behind$419 behind$95 behind$73.53 a month before the rebateA check-up$634 behindTeeth and glasses$419 behindTeeth, glasses, physio$95 behind
Qantas Kickstart Extras$75.79$655 behind$440 behind$116 behind$75.79 a month before the rebateA check-up$655 behindTeeth and glasses$440 behindTeeth, glasses, physio$116 behind
Core Extras Boost$81.39$706 behind$491 behind$167 behind$81.39 a month before the rebateA check-up$706 behindTeeth and glasses$491 behindTeeth, glasses, physio$167 behind
ING Everyday Extras$83.55$726 behind$510 behind$210 behind$83.55 a month before the rebateA check-up$726 behindTeeth and glasses$510 behindTeeth, glasses, physio$210 behind
Apia Classic Extras$84.64$736 behind$520 behind$196 behind$84.64 a month before the rebateA check-up$736 behindTeeth and glasses$520 behindTeeth, glasses, physio$196 behind
Core and Family Extras$85.04$739 behind$524 behind$200 behind$85.04 a month before the rebateA check-up$739 behindTeeth and glasses$524 behindTeeth, glasses, physio$200 behind
Real Lifestyle Extras$85.18$740 behind$525 behind$201 behind$85.18 a month before the rebateA check-up$740 behindTeeth and glasses$525 behindTeeth, glasses, physio$201 behind
Seniors Active Extras$85.94$747 behind$532 behind$208 behind$85.94 a month before the rebateA check-up$747 behindTeeth and glasses$532 behindTeeth, glasses, physio$208 behind
Apia Essential and Advanced Extras$86.85$756 behind$540 behind$216 behind$86.85 a month before the rebateA check-up$756 behindTeeth and glasses$540 behindTeeth, glasses, physio$216 behind
Core and Wellbeing Extras$87.03$757 behind$542 behind$218 behind$87.03 a month before the rebateA check-up$757 behindTeeth and glasses$542 behindTeeth, glasses, physio$218 behind
Qantas Family Extras$87.80$764 behind$549 behind$225 behind$87.80 a month before the rebateA check-up$764 behindTeeth and glasses$549 behindTeeth, glasses, physio$225 behind
Qantas Lifestyle Extras$89.19$777 behind$562 behind$238 behind$89.19 a month before the rebateA check-up$777 behindTeeth and glasses$562 behindTeeth, glasses, physio$238 behind
Core Boost and Young at Heart Extras$99.58$872 behind$656 behind$332 behind$99.58 a month before the rebateA check-up$872 behindTeeth and glasses$656 behindTeeth, glasses, physio$332 behind
Core, Family and Young at Heart Extras$103.28$905 behind$690 behind$366 behind$103.28 a month before the rebateA check-up$905 behindTeeth and glasses$690 behindTeeth, glasses, physio$366 behind
AAMI Everyday Active Extras$104.00$912 behind$697 behind$373 behind$104.00 a month before the rebateA check-up$912 behindTeeth and glasses$697 behindTeeth, glasses, physio$373 behind
Core, Wellbeing and Young at Heart Extras$105.26$923 behind$708 behind$384 behind$105.26 a month before the rebateA check-up$923 behindTeeth and glasses$708 behindTeeth, glasses, physio$384 behind
Suncorp Health Insurance Mid Extras$108.42$952 behind$737 behind$437 behind$108.42 a month before the rebateA check-up$952 behindTeeth and glasses$737 behindTeeth, glasses, physio$437 behind
Core Boost and Family Extras$111.09$976 behind$761 behind$437 behind$111.09 a month before the rebateA check-up$976 behindTeeth and glasses$761 behindTeeth, glasses, physio$437 behind
Apia Classic and Advanced Extras$111.99$985 behind$769 behind$445 behind$111.99 a month before the rebateA check-up$985 behindTeeth and glasses$769 behindTeeth, glasses, physio$445 behind
Core Boost and Wellbeing Extras$113.12$995 behind$780 behind$456 behind$113.12 a month before the rebateA check-up$995 behindTeeth and glasses$780 behindTeeth, glasses, physio$456 behind
ING Everyday Advanced Extras$113.84$1,001 behind$786 behind$462 behind$113.84 a month before the rebateA check-up$1,001 behindTeeth and glasses$786 behindTeeth, glasses, physio$462 behind
Core, Family and Wellbeing Extras$116.77$1,028 behind$813 behind$489 behind$116.77 a month before the rebateA check-up$1,028 behindTeeth and glasses$813 behindTeeth, glasses, physio$489 behind
Real Advanced Extras$117.18$1,032 behind$817 behind$493 behind$117.18 a month before the rebateA check-up$1,032 behindTeeth and glasses$817 behindTeeth, glasses, physio$493 behind
Advantage Extras$121.33$1,070 behind$824 behind$446 behind$121.33 a month before the rebateA check-up$1,070 behindTeeth and glasses$824 behindTeeth, glasses, physio$446 behind
Qantas Active Extras$121.69$1,073 behind$843 behind$492 behind$121.69 a month before the rebateA check-up$1,073 behindTeeth and glasses$843 behindTeeth, glasses, physio$492 behind
Seniors Advantage Extras$121.65$1,073 behind$857 behind$533 behind$121.65 a month before the rebateA check-up$1,073 behindTeeth and glasses$857 behindTeeth, glasses, physio$533 behind
Core Boost, Family and Young at Heart Extras$129.32$1,142 behind$927 behind$603 behind$129.32 a month before the rebateA check-up$1,142 behindTeeth and glasses$927 behindTeeth, glasses, physio$603 behind
Core Boost, Wellbeing and Young at Heart Extras$131.35$1,161 behind$946 behind$622 behind$131.35 a month before the rebateA check-up$1,161 behindTeeth and glasses$946 behindTeeth, glasses, physio$622 behind
Core Boost, Family and Wellbeing Extras$142.82$1,265 behind$1,050 behind$726 behind$142.82 a month before the rebateA check-up$1,265 behindTeeth and glasses$1,050 behindTeeth, glasses, physio$726 behind
Real Top Extras$149.05$1,322 behind$1,077 behind$699 behind$149.05 a month before the rebateA check-up$1,322 behindTeeth and glasses$1,077 behindTeeth, glasses, physio$699 behind
AAMI Premium Active Extras$149.23$1,324 behind$1,078 behind$700 behind$149.23 a month before the rebateA check-up$1,324 behindTeeth and glasses$1,078 behindTeeth, glasses, physio$700 behind
Seniors Top Extras$149.68$1,328 behind$1,083 behind$705 behind$149.68 a month before the rebateA check-up$1,328 behindTeeth and glasses$1,083 behindTeeth, glasses, physio$705 behind
Premium Extras$153.65$1,364 behind$1,134 behind$783 behind$153.65 a month before the rebateA check-up$1,364 behindTeeth and glasses$1,134 behindTeeth, glasses, physio$783 behind
Suncorp Health Insurance Top Extras$162.32$1,443 behind$1,183 behind$778 behind$162.32 a month before the rebateA check-up$1,443 behindTeeth and glasses$1,183 behindTeeth, glasses, physio$778 behind
Qantas Top Extras$172.39$1,535 behind$1,274 behind$869 behind$172.39 a month before the rebateA check-up$1,535 behindTeeth and glasses$1,274 behindTeeth, glasses, physio$869 behind
ING Premium Extras$180.96$1,613 behind$1,352 behind$947 behind$180.96 a month before the rebateA check-up$1,613 behindTeeth and glasses$1,352 behindTeeth, glasses, physio$947 behind
Top Extras$190.94$1,703 behind$1,443 behind$1,038 behind$190.94 a month before the rebateA check-up$1,703 behindTeeth and glasses$1,443 behindTeeth, glasses, physio$1,038 behind
Apia Premium Extras$194.28$1,734 behind$1,474 behind$1,069 behind$194.28 a month before the rebateA check-up$1,734 behindTeeth and glasses$1,474 behindTeeth, glasses, physio$1,069 behind

These are three set examples, not your year.

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