Westfund extras cover
Is Westfund Ultimate 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 $132.17 a month before the rebate, $100.29 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
$1,164 behind
That costs $200 with no cover. On this policy you’d pay $1,204 in premiums and get $40 back.
195th of the 219 policies from funds anyone can join that cover this. nib’s DentalPass does best, $1,154 better off over the year.
Two dental visits and new glasses
$824 behind
That costs $700 with no cover. On this policy you’d pay $1,204 in premiums and get $380 back.
159th of the 189 policies from funds anyone can join that cover this. Latrobe’s Core Essential Extras does best, $873 better off over the year.
Two dental visits, new glasses and six physio sessions
$512 behind
That costs $1,240 with no cover. On this policy you’d pay $1,204 in premiums and get $692 back.
141st of the 181 policies from funds anyone can join that cover this. HCF’s Flex My Extras does best, $881 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 | $40 a visit | Not published | 2 months |
| Major Dental | $1000 a visit | $1,500shared with endodontic (root canal) | 12 months |
| Endodontic (Root Canal) | $140 a visit | $1,500shared with major dental | 12 months |
| Orthodontic | $3250 a visit | $650 | 12 months |
| Optical | $350 a visit | $350 | 2 months |
| Non-PBS Medications | $75 a visit | $600shared with vaccinations | 2 months |
| Physiotherapy | $52 a visit | $520shared with exercise physiology | 2 months |
| Chiropractic | $40 a visit | $400shared with osteopathy | 2 months |
| Podiatry | $50 a visit | $336 | 2 months |
| Psychology | $100 a visit | $420 | 2 months |
| Acupuncture | $35 a visit | $350shared with chinese herbal medicine | 2 months |
| Remedial Massage | $40 a visit | $350 | 2 months |
| Hearing Aids | $2000 a visit | $2,000 | 36 months |
| Glucose Monitor | $100 a visit | $100 | 12 months |
| Audiology | $80 a visit | $160 | 2 months |
| Antenatal/Postnatal | 100% of the fee | $200 | 12 months |
| Chinese Herbal Medicine | $35 a visit | $350shared with acupuncture | 2 months |
| Dietetics | $55 a visit | $350 | 2 months |
| Exercise Physiology | $40 a visit | $520shared with physiotherapy | 2 months |
| Orthoptics | $35 a visit | $350 | 2 months |
| Health Management | 100% of the fee | $150 | 2 months |
| Home Nursing | $72 a visit | $225 | 2 months |
| Occupational Therapy | $70 a visit | $500 | 2 months |
| Orthotics | $300 a visit | $300 | 12 months |
| Osteopathy | $40 a visit | $400shared with chiropractic | 2 months |
| Speech Therapy | $60 a visit | $500 | 2 months |
| Vaccinations | $75 a visit | $600shared with non-pbs medications | 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
This policy has a maximum benefit over the lifetime of your membership.
Higher benefits may require using specific providers or networks.
What it costs
| State | Single | Couple |
|---|---|---|
| NSW | $132.17 | $264.33 |
| VIC | $132.69 | $265.37 |
| QLD | $129.09 | $258.14 |
| WA | $119.21 | $238.42 |
| SA | $132.47 | $264.98 |
| TAS | $131.65 | $263.29 |
| NT | $117.87 | $235.78 |
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 I11/NCCO10 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.