Westfund extras cover
Is Westfund Starter 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 $98.63 a month before the rebate, $74.84 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
$842 behind
That costs $400 with no cover. On this policy you’d pay $898 in premiums and get $56 back.
47th of the 227 policies from funds anyone can join that cover this. ahm’s choosable 50 – teeth does best, $693 better off over the year.
Two dental visits and new glasses
$786 behind
That costs $1,400 with no cover. On this policy you’d pay $898 in premiums and get $112 back.
85th of the 201 policies from funds anyone can join that cover this. Latrobe’s Core Essential Extras does best, $884 better off over the year.
Two dental visits, new glasses and six physio sessions
$486 behind
That costs $2,480 with no cover. On this policy you’d pay $898 in premiums and get $412 back.
92nd of the 193 policies from funds anyone can join that cover this. HBF’s Value 50 does best, $1,055 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 | $28 a visit | $800shared with endodontic (root canal) | 2 months |
| Endodontic (Root Canal) | $122 a visit | $800shared with general dental | 12 months |
| Optical | Covered, amount not published as a set figure | Not publishedshared with physiotherapy, chiropractic, podiatry, psychology, acupuncture, remedial massage, audiology, chinese herbal medicine, dietetics, exercise physiology, health management and osteopathy | 2 months |
| Physiotherapy | $25 a visit | Not publishedshared with optical, chiropractic, podiatry, psychology, acupuncture, remedial massage, audiology, chinese herbal medicine, dietetics, exercise physiology, health management and osteopathy | 2 months |
| Chiropractic | $25 a visit | Not publishedshared with optical, physiotherapy, podiatry, psychology, acupuncture, remedial massage, audiology, chinese herbal medicine, dietetics, exercise physiology, health management and osteopathy | 2 months |
| Podiatry | $30 a visit | Not publishedshared with optical, physiotherapy, chiropractic, psychology, acupuncture, remedial massage, audiology, chinese herbal medicine, dietetics, exercise physiology, health management and osteopathy | 2 months |
| Psychology | $20 a visit | Not publishedshared with optical, physiotherapy, chiropractic, podiatry, acupuncture, remedial massage, audiology, chinese herbal medicine, dietetics, exercise physiology, health management and osteopathy | 2 months |
| Acupuncture | $25 a visit first, then $15 a visit | Not publishedshared with optical, physiotherapy, chiropractic, podiatry, psychology, remedial massage, audiology, chinese herbal medicine, dietetics, exercise physiology, health management and osteopathy | 2 months |
| Remedial Massage | $25 a visit first, then $15 a visit | Not publishedshared with optical, physiotherapy, chiropractic, podiatry, psychology, acupuncture, audiology, chinese herbal medicine, dietetics, exercise physiology, health management and osteopathy | 2 months |
| Audiology | $80 a visit | Not publishedshared with optical, physiotherapy, chiropractic, podiatry, psychology, acupuncture, remedial massage, chinese herbal medicine, dietetics, exercise physiology, health management and osteopathy | 2 months |
| Chinese Herbal Medicine | $25 a visit first, then $15 a visit | Not publishedshared with optical, physiotherapy, chiropractic, podiatry, psychology, acupuncture, remedial massage, audiology, dietetics, exercise physiology, health management and osteopathy | 2 months |
| Dietetics | $20 a visit | Not publishedshared with optical, physiotherapy, chiropractic, podiatry, psychology, acupuncture, remedial massage, audiology, chinese herbal medicine, exercise physiology, health management and osteopathy | 2 months |
| Exercise Physiology | $25 a visit | Not publishedshared with optical, physiotherapy, chiropractic, podiatry, psychology, acupuncture, remedial massage, audiology, chinese herbal medicine, dietetics, health management and osteopathy | 2 months |
| Health Management | Covered, amount not published as a set figure | Not publishedshared with optical, physiotherapy, chiropractic, podiatry, psychology, acupuncture, remedial massage, audiology, chinese herbal medicine, dietetics, exercise physiology and osteopathy | 2 months |
| Osteopathy | $25 a visit | Not publishedshared with optical, physiotherapy, chiropractic, podiatry, psychology, acupuncture, remedial massage, audiology, chinese herbal medicine, dietetics, exercise physiology 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 | $98.63 | $69.03 |
| VIC | $99.10 | $69.38 |
| QLD | $100.10 | $70.07 |
| WA | $89.05 | $62.31 |
| SA | $98.97 | $69.29 |
| TAS | $98.32 | $68.86 |
| NT | $88.49 | $61.92 |
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 I15/NEOK2Y 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.