Westfund extras cover
Is Westfund Freedom 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 $224.29 a month before the rebate, $170.20 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
$1,972 behind
That costs $400 with no cover. On this policy you’d pay $2,042 in premiums and get $70 back.
171st of the 227 policies from funds anyone can join that cover this. ahm’s choosable 50 – teeth does best, $1,824 better off over the year.
Two dental visits and new glasses
$1,402 behind
That costs $1,400 with no cover. On this policy you’d pay $2,042 in premiums and get $640 back.
140th of the 201 policies from funds anyone can join that cover this. Latrobe’s Core Essential Extras does best, $1,501 better off over the year.
Two dental visits, new glasses and six physio sessions
$898 behind
That costs $2,480 with no cover. On this policy you’d pay $2,042 in premiums and get $1,144 back.
131st of the 193 policies from funds anyone can join that cover this. HBF’s Value 50 does best, $1,467 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 | Not publishedshared with major dental and endodontic (root canal) | 2 months |
| Major Dental | $850 a visit | Not publishedshared with general dental and endodontic (root canal) | 12 months |
| Endodontic (Root Canal) | $140 a visit | Not publishedshared with general dental and major dental | 12 months |
| Optical | $250 a visit | Not published | 2 months |
| Non-PBS Medications | Covered, amount not published as a set figure | Not publishedshared with audiology, health management and vaccinations | 2 months |
| Physiotherapy | $42 a visit | Not publishedshared with chiropractic, exercise physiology and osteopathy | 2 months |
| Chiropractic | $30 a visit | Not publishedshared with physiotherapy, exercise physiology and osteopathy | 2 months |
| Podiatry | $45 a visit | Not publishedshared with psychology, acupuncture, remedial massage, chinese herbal medicine, dietetics, orthoptics, home nursing, occupational therapy and speech therapy | 2 months |
| Psychology | $50 a visit | Not publishedshared with podiatry, acupuncture, remedial massage, chinese herbal medicine, dietetics, orthoptics, home nursing, occupational therapy and speech therapy | 2 months |
| Acupuncture | $25 a visit | Not publishedshared with podiatry, psychology, remedial massage, chinese herbal medicine, dietetics, orthoptics, home nursing, occupational therapy and speech therapy | 2 months |
| Remedial Massage | $25 a visit | Not publishedshared with podiatry, psychology, acupuncture, chinese herbal medicine, dietetics, orthoptics, home nursing, occupational therapy and speech therapy | 2 months |
| Hearing Aids | $1400 a visit | Not published | 36 months |
| Glucose Monitor | $100 a visit | Not published | 12 months |
| Audiology | $80 a visit | Not publishedshared with non-pbs medications, health management and vaccinations | 2 months |
| Chinese Herbal Medicine | $25 a visit | Not publishedshared with podiatry, psychology, acupuncture, remedial massage, dietetics, orthoptics, home nursing, occupational therapy and speech therapy | 2 months |
| Dietetics | $30 a visit | Not publishedshared with podiatry, psychology, acupuncture, remedial massage, chinese herbal medicine, orthoptics, home nursing, occupational therapy and speech therapy | 2 months |
| Exercise Physiology | $30 a visit | Not publishedshared with physiotherapy, chiropractic and osteopathy | 2 months |
| Orthoptics | $25 a visit | Not publishedshared with podiatry, psychology, acupuncture, remedial massage, chinese herbal medicine, dietetics, home nursing, occupational therapy and speech therapy | 2 months |
| Health Management | $100 a visit | Not publishedshared with non-pbs medications, audiology and vaccinations | 2 months |
| Home Nursing | $48 a visit | Not publishedshared with podiatry, psychology, acupuncture, remedial massage, chinese herbal medicine, dietetics, orthoptics, occupational therapy and speech therapy | 2 months |
| Occupational Therapy | $40 a visit | Not publishedshared with podiatry, psychology, acupuncture, remedial massage, chinese herbal medicine, dietetics, orthoptics, home nursing and speech therapy | 2 months |
| Orthotics | $200 a visit | Not published | 12 months |
| Osteopathy | $30 a visit | Not publishedshared with physiotherapy, chiropractic and exercise physiology | 2 months |
| Speech Therapy | $48 a visit first, then $36 a visit | Not publishedshared with podiatry, psychology, acupuncture, remedial massage, chinese herbal medicine, dietetics, orthoptics, home nursing and occupational therapy | 2 months |
| Vaccinations | $50 a visit | Not publishedshared with non-pbs medications, audiology and health management | 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 | $224.29 | $157.00 |
| VIC | $223.51 | $156.43 |
| QLD | $227.33 | $159.12 |
| WA | $200.98 | $140.66 |
| SA | $224.16 | $156.91 |
| TAS | $224.38 | $157.04 |
| NT | $200.76 | $140.53 |
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 I16/NEPM2Y 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.