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

Westfund extras cover: which policies are worth it?

Westfund sells 25 extras policies you can take out on their own. For someone with two dental visits and new glasses in a year, one pays back more than it costs.

Go to Westfund

Every Westfund 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.

Dental Saver Extras$21.58$97 behind+$3 ahead+$3 ahead$21.58 a month before the rebateA check-up$97 behindTeeth and glasses+$3 aheadTeeth, glasses, physio+$3 ahead
Choice Extras$54.60$397 behind$97 behind+$173 ahead$54.60 a month before the rebateA check-up$397 behindTeeth and glasses$97 behindTeeth, glasses, physio+$173 ahead
Starter Extras$32.89$271 behind$243 behind$93 behind$32.89 a month before the rebateA check-up$271 behindTeeth and glasses$243 behindTeeth, glasses, physio$93 behind
Mid Extras$63.18$545 behind$265 behind$85 behind$63.18 a month before the rebateA check-up$545 behindTeeth and glasses$265 behindTeeth, glasses, physio$85 behind
Freedom Extras$74.75$646 behind$361 behind$109 behind$74.75 a month before the rebateA check-up$646 behindTeeth and glasses$361 behindTeeth, glasses, physio$109 behind
High Extras$86.84$751 behind$461 behind$209 behind$86.84 a month before the rebateA check-up$751 behindTeeth and glasses$461 behindTeeth, glasses, physio$209 behind
Ultimate Extras$132.17$1,164 behind$824 behind$512 behind$132.17 a month before the rebateA check-up$1,164 behindTeeth and glasses$824 behindTeeth, glasses, physio$512 behind
Choice Extras (Dependants under 25)worked for a family with two adults in NSW$114.66$844 behind$244 behind+$296 ahead$114.66 a month before the rebateA check-up$844 behindTeeth and glasses$244 behindTeeth, glasses, physio+$296 ahead
Starter Extras (Dependants under 25)worked for a family with two adults in NSW$69.03$573 behind$517 behind$217 behind$69.03 a month before the rebateA check-up$573 behindTeeth and glasses$517 behindTeeth, glasses, physio$217 behind
Mid Extras (Dependants under 25)worked for a family with two adults in NSW$132.73$1,149 behind$589 behind$229 behind$132.73 a month before the rebateA check-up$1,149 behindTeeth and glasses$589 behindTeeth, glasses, physio$229 behind
Choice Extras (Dependants under 31)worked for a family with two adults in NSW$163.84$1,292 behind$692 behind$152 behind$163.84 a month before the rebateA check-up$1,292 behindTeeth and glasses$692 behindTeeth, glasses, physio$152 behind
Choice Extras (Disability Dependants)worked for a family with two adults in NSW$163.84$1,292 behind$692 behind$152 behind$163.84 a month before the rebateA check-up$1,292 behindTeeth and glasses$692 behindTeeth, glasses, physio$152 behind
Starter Extras (Dependants under 31)worked for a family with two adults in NSW$98.63$842 behind$786 behind$486 behind$98.63 a month before the rebateA check-up$842 behindTeeth and glasses$786 behindTeeth, glasses, physio$486 behind
Starter Extras (Disability Dependants)worked for a family with two adults in NSW$98.63$842 behind$786 behind$486 behind$98.63 a month before the rebateA check-up$842 behindTeeth and glasses$786 behindTeeth, glasses, physio$486 behind
Freedom Extras (Dependants under 25)worked for a family with two adults in NSW$160.72$1,393 behind$823 behind$319 behind$160.72 a month before the rebateA check-up$1,393 behindTeeth and glasses$823 behindTeeth, glasses, physio$319 behind
High Extras (Dependants under 25)worked for a family with two adults in NSW$182.39$1,581 behind$1,001 behind$497 behind$182.39 a month before the rebateA check-up$1,581 behindTeeth and glasses$1,001 behindTeeth, glasses, physio$497 behind
Mid Extras (Dependants under 31)worked for a family with two adults in NSW$189.58$1,666 behind$1,106 behind$746 behind$189.58 a month before the rebateA check-up$1,666 behindTeeth and glasses$1,106 behindTeeth, glasses, physio$746 behind
Mid Extras (Disability Dependants)worked for a family with two adults in NSW$189.58$1,666 behind$1,106 behind$746 behind$189.58 a month before the rebateA check-up$1,666 behindTeeth and glasses$1,106 behindTeeth, glasses, physio$746 behind
Freedom Extras (Dependants under 31)worked for a family with two adults in NSW$224.29$1,972 behind$1,402 behind$898 behind$224.29 a month before the rebateA check-up$1,972 behindTeeth and glasses$1,402 behindTeeth, glasses, physio$898 behind
Freedom Extras (Disability Dependants)worked for a family with two adults in NSW$224.29$1,972 behind$1,402 behind$898 behind$224.29 a month before the rebateA check-up$1,972 behindTeeth and glasses$1,402 behindTeeth, glasses, physio$898 behind
High Extras (Dependants under 31)worked for a family with two adults in NSW$260.56$2,293 behind$1,713 behind$1,209 behind$260.56 a month before the rebateA check-up$2,293 behindTeeth and glasses$1,713 behindTeeth, glasses, physio$1,209 behind
High Extras (Disability Dependants)worked for a family with two adults in NSW$260.56$2,293 behind$1,713 behind$1,209 behind$260.56 a month before the rebateA check-up$2,293 behindTeeth and glasses$1,713 behindTeeth, glasses, physio$1,209 behind
Ultimate Extras (Dependants under 25)worked for a family with two adults in NSW$277.55$2,447 behind$1,767 behind$1,143 behind$277.55 a month before the rebateA check-up$2,447 behindTeeth and glasses$1,767 behindTeeth, glasses, physio$1,143 behind
Ultimate Extras (Dependants under 31)worked for a family with two adults in NSW$396.50$3,530 behind$2,850 behind$2,226 behind$396.50 a month before the rebateA check-up$3,530 behindTeeth and glasses$2,850 behindTeeth, glasses, physio$2,226 behind
Ultimate Extras (Disability Dependants)worked for a family with two adults in NSW$396.50$3,530 behind$2,850 behind$2,226 behind$396.50 a month before the rebateA check-up$3,530 behindTeeth and glasses$2,850 behindTeeth, glasses, physio$2,226 behind

These are three set examples, not your year.

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