TUH extras cover · restricted fund
Is TUH Union Health Family 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 $104.25 a month before the rebate, $79.11 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
$914 behind
That costs $200 with no cover. On this policy you’d pay $949 in premiums and get $36 back.
Against the 219 policies from funds anyone can join that cover this, it would sit 167th. nib’s DentalPass does best, $904 better off over the year.
Two dental visits and new glasses
$654 behind
That costs $700 with no cover. On this policy you’d pay $949 in premiums and get $296 back.
Against the 189 policies from funds anyone can join that cover this, it would sit 133rd. Latrobe’s Core Essential Extras does best, $703 better off over the year.
Two dental visits, new glasses and six physio sessions
$602 behind
That costs $1,240 with no cover. On this policy you’d pay $949 in premiums and get $348 back.
Against the 181 policies from funds anyone can join that cover this, it would sit 149th. HCF’s Flex My Extras does best, $971 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 | $36 a visit | Not published | 2 months |
| Major Dental | Covered, amount not published as a set figure | $2,000shared with endodontic (root canal) and orthodontic | 12 months |
| Endodontic (Root Canal) | Covered, amount not published as a set figure | $2,000shared with major dental and orthodontic | 12 months |
| Orthodontic | Covered, amount not published as a set figure | $2,000shared with major dental and endodontic (root canal) | 12 months |
| Optical | 100% of the fee | $260 | 6 months |
| Non-PBS Medications | $70 a visit | $500 | 2 months |
| Physiotherapy | $62 a visit first, then $52 a visit | $700shared with exercise physiology | 2 months |
| Chiropractic | $52 a visit first, then $42 a visit | $400 | 2 months |
| Podiatry | $40 a visit first, then $35 a visit | $300shared with orthotics | 2 months |
| Psychology | $80 a visit first, then $70 a visit | $400 | 2 months |
| Acupuncture | $50 a visit first, then $40 a visit | $600shared with remedial massage, chinese herbal medicine and osteopathy | 2 months |
| Remedial Massage | Covered, amount not published as a set figure | $600shared with acupuncture, chinese herbal medicine and osteopathy | 2 months |
| Hearing Aids | $750 a visit | $1,500 | 12 months |
| Glucose Monitor | Covered, amount not published as a set figure | $600 | 12 months |
| Audiology | $75 a visit first, then $70 a visit | $200 | 2 months |
| Antenatal/Postnatal | Covered, amount not published as a set figure | $240shared with health management | 2 months |
| Chinese Herbal Medicine | $50 a visit first, then $40 a visit | $600shared with acupuncture, remedial massage and osteopathy | 2 months |
| Dietetics | $60 a visit first, then $42 a visit | $300 | 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 | $240shared with antenatal/postnatal | 2 months |
| Home Nursing | $80 a visit | $500 | 2 months |
| Occupational Therapy | $52 a visit first, then $37 a visit | $300 | 2 months |
| Orthotics | Covered, amount not published as a set figure | $300shared with podiatry | 12 months |
| Osteopathy | $52 a visit first, then $42 a visit | $600shared with acupuncture, remedial massage and chinese herbal medicine | 2 months |
| Speech Therapy | $102 a visit first, then $55 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 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 | $104.25 | $208.50 | $208.50 | $159.50 |
| VIC | $102.71 | $205.42 | $205.42 | $157.15 |
| QLD | $104.61 | $209.22 | $209.22 | $160.04 |
| WA | $99.50 | $199.00 | $199.00 | $152.22 |
| SA | $103.46 | $206.92 | $206.92 | $158.29 |
| TAS | $99.16 | $198.32 | $198.32 | $151.71 |
| NT | $97.41 | $194.82 | $194.82 | $149.03 |
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 FAM/NDYF10 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.