Westfund extras cover
Is Westfund Choice Extras (Dependants under 31) worth it?
For a family with two adults in NSW, it costs more than it pays back in all three of the ways of using extras worked through below. It is $163.84 a month before the rebate, $124.33 after.
Three ways of using it
Worked for a family with two adults 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. Each adult uses it this way.
One dental check-up a year
$1,292 behind
That costs $400 with no cover. On this policy you’d pay $1,492 in premiums and get $200 back.
110th of the 227 policies from funds anyone can join that cover this. ahm’s choosable 50 – teeth does best, $1,143 better off over the year.
Two dental visits and new glasses
$692 behind
That costs $1,400 with no cover. On this policy you’d pay $1,492 in premiums and get $800 back.
76th of the 201 policies from funds anyone can join that cover this. Latrobe’s Core Essential Extras does best, $790 better off over the year.
Two dental visits, new glasses and six physio sessions
$152 behind
That costs $2,480 with no cover. On this policy you’d pay $1,492 in premiums and get $1,340 back.
60th of the 193 policies from funds anyone can join that cover this. HBF’s Value 50 does best, $720 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 | Not publishedshared with major dental and endodontic (root canal) | 2 months |
| Major Dental | 50% of the fee | Not publishedshared with general dental and endodontic (root canal) | 12 months |
| Endodontic (Root Canal) | 50% of the fee | Not publishedshared with general dental and major dental | 12 months |
| Optical | 100% of the fee | Not published | 2 months |
| Physiotherapy | 50% of the fee | Not publishedshared 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 | Not publishedshared 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 | Not publishedshared 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 | Not publishedshared 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 | Not publishedshared 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 | Not publishedshared 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 | Not publishedshared 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 | Not publishedshared 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 | Not publishedshared 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 | Not publishedshared 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 | Not publishedshared 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 | Not publishedshared 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 | Not publishedshared 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 | Not publishedshared 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 | Not publishedshared 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 | Not publishedshared 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 | Not publishedshared 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 a family with two adults 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 | Family | Single parent |
|---|---|---|
| NSW | $163.84 | $114.66 |
| VIC | $163.06 | $114.14 |
| QLD | $164.75 | $115.31 |
| WA | $168.87 | $118.21 |
| SA | $162.80 | $113.97 |
| TAS | $161.81 | $113.23 |
| NT | $160.98 | $112.71 |
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+$98 ahead
- 2HBF Value 50+$28 ahead
- 3Health Partners Flex Extras: Eyes+$20 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/NEZI2Y 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.