Westfund extras cover
Is Westfund Choice 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 $54.60 a month before the rebate, $41.43 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
$397 behind
That costs $200 with no cover. On this policy you’d pay $497 in premiums and get $100 back.
57th of the 219 policies from funds anyone can join that cover this. nib’s DentalPass does best, $387 better off over the year.
Two dental visits and new glasses
$97 behind
That costs $700 with no cover. On this policy you’d pay $497 in premiums and get $400 back.
23rd of the 189 policies from funds anyone can join that cover this. Latrobe’s Core Essential Extras does best, $146 better off over the year.
Two dental visits, new glasses and six physio sessions
+$173 ahead
That costs $1,240 with no cover. On this policy you’d pay $497 in premiums and get $670 back.
13th of the 181 policies from funds anyone can join that cover this. HCF’s Flex My Extras does best, $197 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 | 50% of the fee | $800shared with major dental and endodontic (root canal) | 2 months |
| Major Dental | 50% of the fee | $800shared with general dental and endodontic (root canal) | 12 months |
| Endodontic (Root Canal) | 50% of the fee | $800shared with general dental and major dental | 12 months |
| Optical | 100% of the fee | $200 | 2 months |
| Physiotherapy | 50% of the fee | $400shared with chiropractic, podiatry, psychology, acupuncture, remedial massage, audiology, antenatal/postnatal, chinese herbal medicine, dietetics, exercise physiology, orthoptics, health management, home nursing, occupational therapy, osteopathy and speech therapy | 2 months |
| Chiropractic | 50% of the fee | $400shared with physiotherapy, podiatry, psychology, acupuncture, remedial massage, audiology, antenatal/postnatal, chinese herbal medicine, dietetics, exercise physiology, orthoptics, health management, home nursing, occupational therapy, osteopathy and speech therapy | 2 months |
| Podiatry | 50% of the fee | $400shared with physiotherapy, chiropractic, psychology, acupuncture, remedial massage, audiology, antenatal/postnatal, chinese herbal medicine, dietetics, exercise physiology, orthoptics, health management, home nursing, occupational therapy, osteopathy and speech therapy | 2 months |
| Psychology | 50% of the fee | $400shared with physiotherapy, chiropractic, podiatry, acupuncture, remedial massage, audiology, antenatal/postnatal, chinese herbal medicine, dietetics, exercise physiology, orthoptics, health management, home nursing, occupational therapy, osteopathy and speech therapy | 2 months |
| Acupuncture | 50% of the fee | $400shared with physiotherapy, chiropractic, podiatry, psychology, remedial massage, audiology, antenatal/postnatal, chinese herbal medicine, dietetics, exercise physiology, orthoptics, health management, home nursing, occupational therapy, osteopathy and speech therapy | 2 months |
| Remedial Massage | 50% of the fee | $400shared with physiotherapy, chiropractic, podiatry, psychology, acupuncture, audiology, antenatal/postnatal, chinese herbal medicine, dietetics, exercise physiology, orthoptics, health management, home nursing, occupational therapy, osteopathy and speech therapy | 2 months |
| Audiology | 50% of the fee | $400shared with physiotherapy, chiropractic, podiatry, psychology, acupuncture, remedial massage, antenatal/postnatal, chinese herbal medicine, dietetics, exercise physiology, orthoptics, health management, home nursing, occupational therapy, osteopathy and speech therapy | 2 months |
| Antenatal/Postnatal | 50% of the fee | $400shared with physiotherapy, chiropractic, podiatry, psychology, acupuncture, remedial massage, audiology, chinese herbal medicine, dietetics, exercise physiology, orthoptics, health management, home nursing, occupational therapy, osteopathy and speech therapy | 12 months |
| Chinese Herbal Medicine | 50% of the fee | $400shared with physiotherapy, chiropractic, podiatry, psychology, acupuncture, remedial massage, audiology, antenatal/postnatal, dietetics, exercise physiology, orthoptics, health management, home nursing, occupational therapy, osteopathy and speech therapy | 2 months |
| Dietetics | 50% of the fee | $400shared with physiotherapy, chiropractic, podiatry, psychology, acupuncture, remedial massage, audiology, antenatal/postnatal, chinese herbal medicine, exercise physiology, orthoptics, health management, home nursing, occupational therapy, osteopathy and speech therapy | 2 months |
| Exercise Physiology | 50% of the fee | $400shared with physiotherapy, chiropractic, podiatry, psychology, acupuncture, remedial massage, audiology, antenatal/postnatal, chinese herbal medicine, dietetics, orthoptics, health management, home nursing, occupational therapy, osteopathy and speech therapy | 2 months |
| Orthoptics | 50% of the fee | $400shared with physiotherapy, chiropractic, podiatry, psychology, acupuncture, remedial massage, audiology, antenatal/postnatal, chinese herbal medicine, dietetics, exercise physiology, health management, home nursing, occupational therapy, osteopathy and speech therapy | 2 months |
| Health Management | 50% of the fee | $400shared with physiotherapy, chiropractic, podiatry, psychology, acupuncture, remedial massage, audiology, antenatal/postnatal, chinese herbal medicine, dietetics, exercise physiology, orthoptics, home nursing, occupational therapy, osteopathy and speech therapy | 2 months |
| Home Nursing | 50% of the fee | $400shared with physiotherapy, chiropractic, podiatry, psychology, acupuncture, remedial massage, audiology, antenatal/postnatal, chinese herbal medicine, dietetics, exercise physiology, orthoptics, health management, occupational therapy, osteopathy and speech therapy | 2 months |
| Occupational Therapy | 50% of the fee | $400shared with physiotherapy, chiropractic, podiatry, psychology, acupuncture, remedial massage, audiology, antenatal/postnatal, chinese herbal medicine, dietetics, exercise physiology, orthoptics, health management, home nursing, osteopathy and speech therapy | 2 months |
| Osteopathy | 50% of the fee | $400shared with physiotherapy, chiropractic, podiatry, psychology, acupuncture, remedial massage, audiology, antenatal/postnatal, chinese herbal medicine, dietetics, exercise physiology, orthoptics, health management, home nursing, occupational therapy and speech therapy | 2 months |
| Speech Therapy | 50% of the fee | $400shared with physiotherapy, chiropractic, podiatry, psychology, acupuncture, remedial massage, audiology, antenatal/postnatal, chinese herbal medicine, dietetics, exercise physiology, orthoptics, health management, home nursing, occupational therapy and osteopathy | 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
Higher benefits may require using specific providers or networks.
What it costs
| State | Single | Couple |
|---|---|---|
| NSW | $54.60 | $109.20 |
| VIC | $54.34 | $108.68 |
| QLD | $54.90 | $109.85 |
| WA | $56.29 | $112.58 |
| SA | $54.25 | $108.55 |
| TAS | $53.95 | $107.86 |
| NT | $53.65 | $107.34 |
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 I26/NEZD10 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.