Queensland Country extras cover
Is Queensland Country Young 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 $40.09 a month before the rebate, $30.42 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
$323 behind
That costs $200 with no cover. On this policy you’d pay $365 in premiums and get $42 back.
43rd of the 219 policies from funds anyone can join that cover this. nib’s DentalPass does best, $313 better off over the year.
Two dental visits and new glasses
$56 behind
That costs $700 with no cover. On this policy you’d pay $365 in premiums and get $309 back.
15th of the 189 policies from funds anyone can join that cover this. Latrobe’s Core Essential Extras does best, $105 better off over the year.
Two dental visits, new glasses and six physio sessions
$56 behind
That costs $1,240 with no cover. On this policy you’d pay $365 in premiums and get $309 back.
63rd of the 181 policies from funds anyone can join that cover this. HCF’s Flex My Extras does best, $425 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 | $500shared with major dental | 2 months |
| Major Dental | $135 a visit | $500shared with general dental | 12 months |
| Optical | $225 a visit | $225 | 2 months |
| Non-PBS Medications | $45 a visit | $150shared with vaccinations | 2 months |
| Physiotherapy | Covered, amount not published as a set figure | $400 | 2 months |
| Chiropractic | $42 a visit first, then $30 a visit | $300shared with podiatry, acupuncture, remedial massage, chinese herbal medicine, orthotics and osteopathy | 2 months |
| Podiatry | $30 a visit | $300shared with chiropractic, acupuncture, remedial massage, chinese herbal medicine, orthotics and osteopathy | 2 months |
| Acupuncture | $30 a visit | $300shared with chiropractic, podiatry, remedial massage, chinese herbal medicine, orthotics and osteopathy | 2 months |
| Remedial Massage | $35 a visit | $300shared with chiropractic, podiatry, acupuncture, chinese herbal medicine, orthotics and osteopathy | 2 months |
| Chinese Herbal Medicine | $30 a visit | $300shared with chiropractic, podiatry, acupuncture, remedial massage, orthotics and osteopathy | 2 months |
| Health Management | $125 a visit | $125 | 2 months |
| Orthotics | 100% of the fee | $300shared with chiropractic, podiatry, acupuncture, remedial massage, chinese herbal medicine and osteopathy | 2 months |
| Osteopathy | $42 a visit first, then $30 a visit | $300shared with chiropractic, podiatry, acupuncture, remedial massage, chinese herbal medicine and orthotics | 2 months |
| Vaccinations | $45 a visit | $150shared 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 | $40.09 | $80.18 | $80.18 | $80.18 |
| VIC | $40.09 | $80.18 | $80.18 | $80.18 |
| QLD | $37.86 | $75.72 | $75.72 | $75.72 |
| WA | $40.09 | $80.18 | $80.18 | $80.18 |
| SA | $40.09 | $80.18 | $80.18 | $80.18 |
| TAS | $40.09 | $80.18 | $80.18 | $80.18 |
| NT | $32.19 | $64.38 | $64.38 | $64.38 |
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 I3/NAOE10 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.