TUH extras cover · restricted fund
Is TUH Union Health Healthy Options 60% 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 $88.21 a month before the rebate, $66.94 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
$683 behind
That costs $200 with no cover. On this policy you’d pay $803 in premiums and get $120 back.
Against the 219 policies from funds anyone can join that cover this, it would sit 130th. nib’s DentalPass does best, $673 better off over the year.
Two dental visits and new glasses
$383 behind
That costs $700 with no cover. On this policy you’d pay $803 in premiums and get $420 back.
Against the 189 policies from funds anyone can join that cover this, it would sit 90th. Latrobe’s Core Essential Extras does best, $432 better off over the year.
Two dental visits, new glasses and six physio sessions
$59 behind
That costs $1,240 with no cover. On this policy you’d pay $803 in premiums and get $744 back.
Against the 181 policies from funds anyone can join that cover this, it would sit 64th. HCF’s Flex My Extras does best, $429 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 | 60% of the fee | $1,000shared with major dental, endodontic (root canal) and orthodontic | 2 months |
| Major Dental | 60% of the fee | $1,000shared with general dental, endodontic (root canal) and orthodontic | 12 months |
| Endodontic (Root Canal) | 60% of the fee | $1,000shared with general dental, major dental and orthodontic | 12 months |
| Orthodontic | Covered, amount not published as a set figure | $1,000shared with general dental, major dental and endodontic (root canal) | 12 months |
| Optical | 60% of the fee | $260 | 6 months |
| Physiotherapy | 60% of the fee | $450shared with exercise physiology | 2 months |
| Chiropractic | 60% of the fee | $500shared with podiatry, psychology, acupuncture, remedial massage and chinese herbal medicine | 2 months |
| Podiatry | 60% of the fee | $500shared with chiropractic, psychology, acupuncture, remedial massage and chinese herbal medicine | 2 months |
| Psychology | 60% of the fee | $500shared with chiropractic, podiatry, acupuncture, remedial massage and chinese herbal medicine | 2 months |
| Acupuncture | 60% of the fee | $500shared with chiropractic, podiatry, psychology, remedial massage and chinese herbal medicine | 2 months |
| Remedial Massage | 60% of the fee | $500shared with chiropractic, podiatry, psychology, acupuncture and chinese herbal medicine | 2 months |
| Antenatal/Postnatal | 60% of the fee | $150shared with health management | 2 months |
| Chinese Herbal Medicine | 60% of the fee | $500shared with chiropractic, podiatry, psychology, acupuncture and remedial massage | 2 months |
| Exercise Physiology | 60% of the fee | $450shared with physiotherapy | 2 months |
| Health Management | 60% of the fee | $150shared with antenatal/postnatal | 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 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 | $88.21 | $176.42 | $176.42 | $134.95 |
| VIC | $88.73 | $177.46 | $177.46 | $135.74 |
| QLD | $86.67 | $173.34 | $173.34 | $132.61 |
| WA | $85.51 | $171.02 | $171.02 | $130.84 |
| SA | $85.33 | $170.66 | $170.66 | $130.55 |
| TAS | $84.50 | $169.00 | $169.00 | $129.27 |
| NT | $83.70 | $167.40 | $167.40 | $128.07 |
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 60/NECQ10 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.