Westfund extras cover
Is Westfund Freedom 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 $74.75 a month before the rebate, $56.72 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
$646 behind
That costs $200 with no cover. On this policy you’d pay $681 in premiums and get $35 back.
119th of the 219 policies from funds anyone can join that cover this. nib’s DentalPass does best, $636 better off over the year.
Two dental visits and new glasses
$361 behind
That costs $700 with no cover. On this policy you’d pay $681 in premiums and get $320 back.
84th of the 189 policies from funds anyone can join that cover this. Latrobe’s Core Essential Extras does best, $410 better off over the year.
Two dental visits, new glasses and six physio sessions
$109 behind
That costs $1,240 with no cover. On this policy you’d pay $681 in premiums and get $572 back.
72nd of the 181 policies from funds anyone can join that cover this. HCF’s Flex My Extras does best, $478 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 | $35 a visit | $1,600shared with major dental and endodontic (root canal) | 2 months |
| Major Dental | $850 a visit | $1,600shared with general dental and endodontic (root canal) | 12 months |
| Endodontic (Root Canal) | $140 a visit | $1,600shared with general dental and major dental | 12 months |
| Optical | $250 a visit | $250 | 2 months |
| Non-PBS Medications | Covered, amount not published as a set figure | $500shared with audiology, health management and vaccinations | 2 months |
| Physiotherapy | $42 a visit | $600shared with chiropractic, exercise physiology and osteopathy | 2 months |
| Chiropractic | $30 a visit | $600shared with physiotherapy, exercise physiology and osteopathy | 2 months |
| Podiatry | $45 a visit | $400shared with psychology, acupuncture, remedial massage, chinese herbal medicine, dietetics, orthoptics, home nursing, occupational therapy and speech therapy | 2 months |
| Psychology | $50 a visit | $400shared with podiatry, acupuncture, remedial massage, chinese herbal medicine, dietetics, orthoptics, home nursing, occupational therapy and speech therapy | 2 months |
| Acupuncture | $25 a visit | $400shared with podiatry, psychology, remedial massage, chinese herbal medicine, dietetics, orthoptics, home nursing, occupational therapy and speech therapy | 2 months |
| Remedial Massage | $25 a visit | $400shared with podiatry, psychology, acupuncture, chinese herbal medicine, dietetics, orthoptics, home nursing, occupational therapy and speech therapy | 2 months |
| Hearing Aids | $1400 a visit | $1,400 | 36 months |
| Glucose Monitor | $100 a visit | $100 | 12 months |
| Audiology | $80 a visit | $500shared with non-pbs medications, health management and vaccinations | 2 months |
| Chinese Herbal Medicine | $25 a visit | $400shared with podiatry, psychology, acupuncture, remedial massage, dietetics, orthoptics, home nursing, occupational therapy and speech therapy | 2 months |
| Dietetics | $30 a visit | $400shared with podiatry, psychology, acupuncture, remedial massage, chinese herbal medicine, orthoptics, home nursing, occupational therapy and speech therapy | 2 months |
| Exercise Physiology | $30 a visit | $600shared with physiotherapy, chiropractic and osteopathy | 2 months |
| Orthoptics | $25 a visit | $400shared with podiatry, psychology, acupuncture, remedial massage, chinese herbal medicine, dietetics, home nursing, occupational therapy and speech therapy | 2 months |
| Health Management | $100 a visit | $500shared with non-pbs medications, audiology and vaccinations | 2 months |
| Home Nursing | $48 a visit | $400shared with podiatry, psychology, acupuncture, remedial massage, chinese herbal medicine, dietetics, orthoptics, occupational therapy and speech therapy | 2 months |
| Occupational Therapy | $40 a visit | $400shared with podiatry, psychology, acupuncture, remedial massage, chinese herbal medicine, dietetics, orthoptics, home nursing and speech therapy | 2 months |
| Orthotics | $200 a visit | $200 | 12 months |
| Osteopathy | $30 a visit | $600shared with physiotherapy, chiropractic and exercise physiology | 2 months |
| Speech Therapy | $48 a visit first, then $36 a visit | $400shared with podiatry, psychology, acupuncture, remedial massage, chinese herbal medicine, dietetics, orthoptics, home nursing and occupational therapy | 2 months |
| Vaccinations | $50 a visit | $500shared with non-pbs medications, audiology and health management | 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 | $74.75 | $149.50 |
| VIC | $74.49 | $148.98 |
| QLD | $75.79 | $151.54 |
| WA | $66.99 | $133.99 |
| SA | $74.71 | $149.46 |
| TAS | $74.79 | $149.59 |
| NT | $66.91 | $133.86 |
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 I16/NCCX10 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.