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 · restricted fund

TUH extras cover: which policies are worth it?

TUH sells 12 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.

Go to TUH

Every TUH 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.

Basic Extras$38.31$320 behind$112 behind+$68 ahead$38.31 a month before the rebateA check-up$320 behindTeeth and glasses$112 behindTeeth, glasses, physio+$68 ahead
Union Health Basic Extras$38.31$320 behind$112 behind+$68 ahead$38.31 a month before the rebateA check-up$320 behindTeeth and glasses$112 behindTeeth, glasses, physio+$68 ahead
Healthy Options 60% Extras$88.21$683 behind$383 behind$59 behind$88.21 a month before the rebateA check-up$683 behindTeeth and glasses$383 behindTeeth, glasses, physio$59 behind
Union Health Healthy Options 60% Extras$88.21$683 behind$383 behind$59 behind$88.21 a month before the rebateA check-up$683 behindTeeth and glasses$383 behindTeeth, glasses, physio$59 behind
Mid Range Extras$67.35$613 behind$383 behind$383 behind$67.35 a month before the rebateA check-up$613 behindTeeth and glasses$383 behindTeeth, glasses, physio$383 behind
Union Health Mid Range Extras$67.35$613 behind$383 behind$383 behind$67.35 a month before the rebateA check-up$613 behindTeeth and glasses$383 behindTeeth, glasses, physio$383 behind
Everyday Extras$90.88$792 behind$496 behind$496 behind$90.88 a month before the rebateA check-up$792 behindTeeth and glasses$496 behindTeeth, glasses, physio$496 behind
Union Health Everyday Extras$90.88$792 behind$496 behind$496 behind$90.88 a month before the rebateA check-up$792 behindTeeth and glasses$496 behindTeeth, glasses, physio$496 behind
Family Extras$104.25$914 behind$654 behind$602 behind$104.25 a month before the rebateA check-up$914 behindTeeth and glasses$654 behindTeeth, glasses, physio$602 behind
Union Health Family Extras$104.25$914 behind$654 behind$602 behind$104.25 a month before the rebateA check-up$914 behindTeeth and glasses$654 behindTeeth, glasses, physio$602 behind
Comprehensive Extras$121.83$1,069 behind$809 behind$809 behind$121.83 a month before the rebateA check-up$1,069 behindTeeth and glasses$809 behindTeeth, glasses, physio$809 behind
Union Health Comprehensive Extras$121.83$1,069 behind$809 behind$809 behind$121.83 a month before the rebateA check-up$1,069 behindTeeth and glasses$809 behindTeeth, glasses, physio$809 behind

These are three set examples, not your year.

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