Teachers Health extras cover · restricted fund
Is Teachers Health Top 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 $95.68 a month before the rebate, $72.60 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
$831 behind
That costs $200 with no cover. On this policy you’d pay $871 in premiums and get $40 back.
Against the 219 policies from funds anyone can join that cover this, it would sit 157th. nib’s DentalPass does best, $821 better off over the year.
Two dental visits and new glasses
$531 behind
That costs $700 with no cover. On this policy you’d pay $871 in premiums and get $340 back.
Against the 189 policies from funds anyone can join that cover this, it would sit 120th. Latrobe’s Core Essential Extras does best, $580 better off over the year.
Two dental visits, new glasses and six physio sessions
$531 behind
That costs $1,240 with no cover. On this policy you’d pay $871 in premiums and get $340 back.
Against the 181 policies from funds anyone can join that cover this, it would sit 143rd. HCF’s Flex My Extras does best, $901 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 | $40 a visit | Not published | 2 months |
| Major Dental | $135 a visit | $1,300shared with endodontic (root canal) | 12 months |
| Endodontic (Root Canal) | $160 a visit | $1,300shared with major dental | 12 months |
| Orthodontic | $2500 a visit | $2,500 | 12 months |
| Optical | $260 a visit | $260 | 6 months |
| Non-PBS Medications | Covered, amount not published as a set figure | $800shared with vaccinations | 2 months |
| Physiotherapy | Covered, amount not published as a set figure | $800shared with exercise physiology and orthoptics | 2 months |
| Chiropractic | Covered, amount not published as a set figure | $480shared with osteopathy | 2 months |
| Podiatry | Covered, amount not published as a set figure | $400 | 2 months |
| Psychology | $100 a visit first, then $72 a visit | $600 | 2 months |
| Acupuncture | $38 a visit | $600shared with remedial massage and chinese herbal medicine | 2 months |
| Remedial Massage | $38 a visit | $600shared with acupuncture and chinese herbal medicine | 2 months |
| Hearing Aids | $600 a visit | $1,200 | 12 months |
| Glucose Monitor | $160 a visit | $160 | 2 months |
| Audiology | $45 a visit | Not published | 2 months |
| Antenatal/Postnatal | $300 a visit | $300 | 2 months |
| Chinese Herbal Medicine | $38 a visit | $600shared with acupuncture and remedial massage | 2 months |
| Dietetics | $60 a visit first, then $40 a visit | $400 | 2 months |
| Exercise Physiology | $55 a visit first, then $40 a visit | $800shared with physiotherapy and orthoptics | 2 months |
| Orthoptics | $40 a visit first, then $35 a visit | $800shared with physiotherapy and exercise physiology | 2 months |
| Health Management | Covered, amount not published as a set figure | $250 | 6 months |
| Home Nursing | $95 a visit first, then $33 a visit | $800 | 2 months |
| Occupational Therapy | Covered, amount not published as a set figure | $500 | 2 months |
| Orthotics | $100 a visit | $200 | 2 months |
| Osteopathy | $55 a visit first, then $40 a visit | $480shared with chiropractic | 2 months |
| Speech Therapy | $80 a visit first, then $45 a visit | $600 | 2 months |
| Vaccinations | $60 a visit | $800shared 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.
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 | $95.68 | $191.36 | $191.36 | $143.53 |
| VIC | $95.69 | $191.38 | $191.38 | $143.54 |
| QLD | $102.94 | $205.88 | $205.88 | $154.42 |
| WA | $90.78 | $181.56 | $181.56 | $136.18 |
| SA | $101.13 | $202.26 | $202.26 | $151.70 |
| TAS | $89.36 | $178.72 | $178.72 | $134.05 |
| NT | $80.75 | $161.50 | $161.50 | $121.13 |
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/NCSH10 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.