TUH extras cover · restricted fund
Is TUH Basic Extras worth it?
For one adult in NSW, it pays back more than it costs in one of the three ways of using extras worked through below, and costs more than it pays back in the other two. It is $38.31 a month before the rebate, $29.07 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
$320 behind
That costs $200 with no cover. On this policy you’d pay $349 in premiums and get $28 back.
Against the 219 policies from funds anyone can join that cover this, it would sit 39th. nib’s DentalPass does best, $311 better off over the year.
Two dental visits and new glasses
$112 behind
That costs $700 with no cover. On this policy you’d pay $349 in premiums and get $237 back.
Against the 189 policies from funds anyone can join that cover this, it would sit 32nd. Latrobe’s Core Essential Extras does best, $161 better off over the year.
Two dental visits, new glasses and six physio sessions
+$68 ahead
That costs $1,240 with no cover. On this policy you’d pay $349 in premiums and get $417 back.
Against the 181 policies from funds anyone can join that cover this, it would sit 40th. HCF’s Flex My Extras does best, $302 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 | $28 a visit | $400 | 2 months |
| Optical | 100% of the fee | $180 | 6 months |
| Non-PBS Medications | $50 a visit | $400shared with physiotherapy, chiropractic, psychology, remedial massage, exercise physiology and osteopathy | 2 months |
| Physiotherapy | $35 a visit first, then $30 a visit | $400shared with non-pbs medications, chiropractic, psychology, remedial massage, exercise physiology and osteopathy | 2 months |
| Chiropractic | $32 a visit first, then $25 a visit | $400shared with non-pbs medications, physiotherapy, psychology, remedial massage, exercise physiology and osteopathy | 2 months |
| Psychology | $75 a visit first, then $60 a visit | $400shared with non-pbs medications, physiotherapy, chiropractic, remedial massage, exercise physiology and osteopathy | 2 months |
| Remedial Massage | $33 a visit | $400shared with non-pbs medications, physiotherapy, chiropractic, psychology, exercise physiology and osteopathy | 2 months |
| Exercise Physiology | $23 a visit | $400shared with non-pbs medications, physiotherapy, chiropractic, psychology, remedial massage and osteopathy | 2 months |
| Osteopathy | $37 a visit first, then $33 a visit | $400shared with non-pbs medications, physiotherapy, chiropractic, psychology, remedial massage and exercise physiology | 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 limits how often you can claim. Benefits may be reduced if you exceed the frequency cap.
Multiple services share a single annual limit pool.
What it costs
| State | Single | Couple | Family | Single parent |
|---|---|---|---|---|
| NSW | $38.31 | $76.62 | $76.62 | $58.62 |
| VIC | $39.91 | $79.82 | $79.82 | $61.07 |
| QLD | $38.48 | $76.96 | $76.96 | $58.88 |
| WA | $38.28 | $76.56 | $76.56 | $58.58 |
| SA | $40.30 | $80.60 | $80.60 | $61.67 |
| TAS | $40.22 | $80.44 | $80.44 | $61.55 |
| NT | $37.65 | $75.30 | $75.30 | $57.61 |
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 BY/NDLI10 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.