TUH extras cover · restricted fund
Is TUH Comprehensive 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 $121.83 a month before the rebate, $92.45 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
$1,069 behind
That costs $200 with no cover. On this policy you’d pay $1,109 in premiums and get $40 back.
Against the 219 policies from funds anyone can join that cover this, it would sit 188th. nib’s DentalPass does best, $1,059 better off over the year.
Two dental visits and new glasses
$809 behind
That costs $700 with no cover. On this policy you’d pay $1,109 in premiums and get $300 back.
Against the 189 policies from funds anyone can join that cover this, it would sit 157th. Latrobe’s Core Essential Extras does best, $859 better off over the year.
Two dental visits, new glasses and six physio sessions
$809 behind
That costs $1,240 with no cover. On this policy you’d pay $1,109 in premiums and get $300 back.
Against the 181 policies from funds anyone can join that cover this, it would sit 169th. HCF’s Flex My Extras does best, $1,179 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 | Covered, amount not published as a set figure | $3,400shared with endodontic (root canal) | 12 months |
| Endodontic (Root Canal) | Covered, amount not published as a set figure | $3,400shared with major dental | 12 months |
| Orthodontic | $2800 a visit | $2,800 | 12 months |
| Optical | 100% of the fee | $260 | 6 months |
| Non-PBS Medications | $60 a visit | $550 | 2 months |
| Physiotherapy | Covered, amount not published as a set figure | $700shared with exercise physiology | 2 months |
| Chiropractic | $44 a visit first, then $35 a visit | $400 | 2 months |
| Podiatry | $42 a visit first, then $38 a visit | $400 | 2 months |
| Psychology | $90 a visit first, then $85 a visit | $400 | 2 months |
| Acupuncture | $42 a visit first, then $37 a visit | $400shared with chinese herbal medicine | 2 months |
| Remedial Massage | $43 a visit | $400 | 2 months |
| Hearing Aids | $1000 a visit | $2,000 | 12 months |
| Glucose Monitor | Covered, amount not published as a set figure | $620 | 12 months |
| Audiology | $75 a visit | $200 | 2 months |
| Antenatal/Postnatal | Covered, amount not published as a set figure | $270shared with health management | 2 months |
| Chinese Herbal Medicine | $42 a visit first, then $37 a visit | $400shared with acupuncture | 2 months |
| Dietetics | $60 a visit first, then $42 a visit | $400 | 2 months |
| Exercise Physiology | Covered, amount not published as a set figure | $700shared with physiotherapy | 2 months |
| Orthoptics | $42 a visit | $200 | 2 months |
| Health Management | Covered, amount not published as a set figure | $270shared with antenatal/postnatal | 2 months |
| Home Nursing | $80 a visit | $600 | 2 months |
| Occupational Therapy | $57 a visit first, then $42 a visit | $400 | 2 months |
| Orthotics | Covered, amount not published as a set figure | $300 | 12 months |
| Osteopathy | $44 a visit first, then $39 a visit | $400 | 2 months |
| Speech Therapy | $70 a visit first, then $44 a visit | $400 | 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
Some services within this category have lower limits than the main annual cap.
This policy has a maximum benefit over the lifetime of your membership.
This policy limits how often you can claim. Benefits may be reduced if you exceed the frequency cap.
What it costs
| State | Single | Couple | Family | Single parent |
|---|---|---|---|---|
| NSW | $121.83 | $243.66 | $243.66 | $186.38 |
| VIC | $117.11 | $234.22 | $234.22 | $179.17 |
| QLD | $120.61 | $241.22 | $241.22 | $184.54 |
| WA | $117.33 | $234.66 | $234.66 | $179.51 |
| SA | $115.87 | $231.74 | $231.74 | $177.27 |
| TAS | $116.03 | $232.06 | $232.06 | $177.51 |
| NT | $114.95 | $229.90 | $229.90 | $175.87 |
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 AN/NDOQ10 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.