Westfund extras cover
Is Westfund Ultimate Extras (Disability Dependants) 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 $396.50 a month before the rebate, $300.87 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
$3,530 behind
That costs $400 with no cover. On this policy you’d pay $3,610 in premiums and get $80 back.
219th of the 227 policies from funds anyone can join that cover this. ahm’s choosable 50 – teeth does best, $3,382 better off over the year.
Two dental visits and new glasses
$2,850 behind
That costs $1,400 with no cover. On this policy you’d pay $3,610 in premiums and get $760 back.
193rd of the 201 policies from funds anyone can join that cover this. Latrobe’s Core Essential Extras does best, $2,949 better off over the year.
Two dental visits, new glasses and six physio sessions
$2,226 behind
That costs $2,480 with no cover. On this policy you’d pay $3,610 in premiums and get $1,384 back.
184th of the 193 policies from funds anyone can join that cover this. HBF’s Value 50 does best, $2,795 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 | Not publishedshared with endodontic (root canal) | 12 months |
| Endodontic (Root Canal) | $140 a visit | Not publishedshared with major dental | 12 months |
| Orthodontic | $3250 a visit | Not published | 12 months |
| Optical | $350 a visit | Not published | 2 months |
| Non-PBS Medications | $75 a visit | Not publishedshared with vaccinations | 2 months |
| Physiotherapy | $52 a visit | $1,040shared with exercise physiology | 2 months |
| Chiropractic | $40 a visit | $800shared with osteopathy | 2 months |
| Podiatry | $50 a visit | $672 | 2 months |
| Psychology | $100 a visit | $840 | 2 months |
| Acupuncture | $35 a visit | $700shared with chinese herbal medicine | 2 months |
| Remedial Massage | $40 a visit | $700 | 2 months |
| Hearing Aids | $2000 a visit | Not published | 36 months |
| Glucose Monitor | $100 a visit | Not published | 12 months |
| Audiology | $80 a visit | Not published | 2 months |
| Antenatal/Postnatal | 100% of the fee | $200 | 12 months |
| Chinese Herbal Medicine | $35 a visit | $700shared with acupuncture | 2 months |
| Dietetics | $55 a visit | $700 | 2 months |
| Exercise Physiology | $40 a visit | $1,040shared with physiotherapy | 2 months |
| Orthoptics | $35 a visit | $700 | 2 months |
| Health Management | 100% of the fee | $300 | 2 months |
| Home Nursing | $72 a visit | $450 | 2 months |
| Occupational Therapy | $70 a visit | $1,000 | 2 months |
| Orthotics | $300 a visit | Not published | 12 months |
| Osteopathy | $40 a visit | $800shared with chiropractic | 2 months |
| Speech Therapy | $60 a visit | $1,000 | 2 months |
| Vaccinations | $75 a visit | Not publishedshared with non-pbs medications | 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
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 | Family | Single parent |
|---|---|---|
| NSW | $396.50 | $277.55 |
| VIC | $398.06 | $278.63 |
| QLD | $387.23 | $271.05 |
| WA | $357.63 | $250.34 |
| SA | $397.45 | $278.24 |
| TAS | $394.94 | $276.47 |
| NT | $353.64 | $247.56 |
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 I11/NFZD2P 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.