Police Health extras cover · restricted fund
Is Police Health Rolling 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 $152.40 a month before the rebate, $115.64 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
$1,331 behind
That costs $200 with no cover. On this policy you’d pay $1,388 in premiums and get $57 back.
Against the 219 policies from funds anyone can join that cover this, it would sit 206th. nib’s DentalPass does best, $1,321 better off over the year.
Two dental visits and new glasses
$985 behind
That costs $700 with no cover. On this policy you’d pay $1,388 in premiums and get $403 back.
Against the 189 policies from funds anyone can join that cover this, it would sit 171st. Latrobe’s Core Essential Extras does best, $1,034 better off over the year.
Two dental visits, new glasses and six physio sessions
$445 behind
That costs $1,240 with no cover. On this policy you’d pay $1,388 in premiums and get $943 back.
Against the 181 policies from funds anyone can join that cover this, it would sit 130th. HCF’s Flex My Extras does best, $815 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 | $57 a visit | Not published | 2 months |
| Major Dental | $1782 a visit | Not published | 12 months |
| Endodontic (Root Canal) | $248 a visit | Not published | 2 months |
| Orthodontic | 80% of the fee | $1,500 | 12 months |
| Optical | $289 a visit | Not published | 2 months |
| Non-PBS Medications | $60 a visit | Not published | 2 months |
| Physiotherapy | $128 a visit first, then $107 a visit | Not published | 2 months |
| Chiropractic | $89 a visit first, then $57 a visit | Not published | 2 months |
| Podiatry | $75 a visit first, then $63 a visit | Not published | 2 months |
| Psychology | $237 a visit | Not published | 2 months |
| Acupuncture | $87 a visit first, then $75 a visit | Not published | 2 months |
| Remedial Massage | $30 a visit | Not published | 2 months |
| Hearing Aids | 80% of the fee | $1,200 | 12 months |
| Glucose Monitor | 80% of the fee | $250 | 12 months |
| Chinese Herbal Medicine | $30 a visit | Not published | 2 months |
| Dietetics | $171 a visit first, then $93 a visit | Not published | 2 months |
| Exercise Physiology | $89 a visit first, then $67 a visit | Not published | 2 months |
| Orthoptics | $55 a visit first, then $46 a visit | Not published | 2 months |
| Occupational Therapy | $166 a visit first, then $146 a visit | Not published | 2 months |
| Orthotics | $414 a visit | Not published | 2 months |
| Osteopathy | $103 a visit first, then $86 a visit | Not published | 2 months |
| Speech Therapy | $194 a visit first, then $172 a visit | Not published | 2 months |
| Vaccinations | $60 a visit | Not published | 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.
Conditions to know
This policy has special conditions that may affect your benefits. Review the details below.
What it costs
| State | Single | Couple | Family | Single parent |
|---|---|---|---|---|
| NSW | $152.40 | $304.81 | $304.81 | $304.81 |
| VIC | $151.32 | $302.64 | $302.64 | $302.64 |
| QLD | $151.75 | $303.51 | $303.51 | $303.51 |
| WA | $152.84 | $305.68 | $305.68 | $305.68 |
| SA | $146.97 | $293.94 | $293.94 | $293.94 |
| TAS | $136.53 | $273.07 | $273.07 | $273.07 |
| NT | $106.10 | $212.19 | $212.19 | $212.19 |
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 I1/NABF10 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.