Peoplecare extras cover
Is Peoplecare Premium 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 $184.06 a month before the rebate, $139.67 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
$1,516 behind
That costs $200 with no cover. On this policy you’d pay $1,676 in premiums and get $160 back.
211th of the 219 policies from funds anyone can join that cover this. nib’s DentalPass does best, $1,506 better off over the year.
Two dental visits and new glasses
$1,056 behind
That costs $700 with no cover. On this policy you’d pay $1,676 in premiums and get $620 back.
175th of the 189 policies from funds anyone can join that cover this. Latrobe’s Core Essential Extras does best, $1,105 better off over the year.
Two dental visits, new glasses and six physio sessions
$702 behind
That costs $1,240 with no cover. On this policy you’d pay $1,676 in premiums and get $974 back.
160th of the 181 policies from funds anyone can join that cover this. HCF’s Flex My Extras does best, $1,071 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 | 80% of the fee | $1,500 | 2 months |
| Major Dental | 80% of the fee | $1,500shared with endodontic (root canal) | 12 months |
| Endodontic (Root Canal) | 80% of the fee | $1,500shared with major dental | 12 months |
| Orthodontic | 80% of the fee | $1,000 | 12 months |
| Optical | $300 a visit | $300 | 6 months |
| Non-PBS Medications | Covered, amount not published as a set figure | $500shared with vaccinations | 2 months |
| Physiotherapy | $59 a visit | $600shared with exercise physiology, orthoptics and occupational therapy | 2 months |
| Chiropractic | $55 a visit | $600shared with osteopathy | 2 months |
| Podiatry | $50 a visit first, then $40 a visit | $500 | 2 months |
| Psychology | $110 a visit first, then $90 a visit | $500 | 2 months |
| Acupuncture | $50 a visit | $400shared with remedial massage, chinese herbal medicine and dietetics | 2 months |
| Remedial Massage | $50 a visit | $400shared with acupuncture, chinese herbal medicine and dietetics | 2 months |
| Hearing Aids | 80% of the fee | $1,500 | 24 months |
| Glucose Monitor | 80% of the fee | $700shared with antenatal/postnatal, home nursing and orthotics | 2 months |
| Antenatal/Postnatal | 80% of the fee | $700shared with glucose monitor, home nursing and orthotics | 2 months |
| Chinese Herbal Medicine | $50 a visit | $400shared with acupuncture, remedial massage and dietetics | 2 months |
| Dietetics | $50 a visit | $400shared with acupuncture, remedial massage and chinese herbal medicine | 2 months |
| Exercise Physiology | 80% of the fee | $600shared with physiotherapy, orthoptics and occupational therapy | 2 months |
| Orthoptics | $59 a visit first, then $49 a visit | $600shared with physiotherapy, exercise physiology and occupational therapy | 2 months |
| Health Management | 80% of the fee | $250 | 6 months |
| Home Nursing | 80% of the fee | $700shared with glucose monitor, antenatal/postnatal and orthotics | 2 months |
| Occupational Therapy | $59 a visit first, then $49 a visit | $600shared with physiotherapy, exercise physiology and orthoptics | 2 months |
| Orthotics | Covered, amount not published as a set figure | $700shared with glucose monitor, antenatal/postnatal and home nursing | 2 months |
| Osteopathy | $55 a visit | $600shared with chiropractic | 2 months |
| Speech Therapy | 80% of the fee | $500 | 2 months |
| Vaccinations | Covered, amount not published as a set figure | $500shared 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 | $184.06 | $368.12 | $368.12 | $368.12 |
| VIC | $184.06 | $368.12 | $368.12 | $368.12 |
| QLD | $184.95 | $369.90 | $369.90 | $369.90 |
| WA | $184.06 | $368.12 | $368.12 | $368.12 |
| SA | $184.06 | $368.12 | $368.12 | $368.12 |
| TAS | $184.06 | $368.12 | $368.12 | $368.12 |
| NT | $184.06 | $368.12 | $368.12 | $368.12 |
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 I9/NAHY10 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.