Extras cover, compared.

Every extras policy sold on its own in New South Wales and the ACT for single cover, cheapest first, with how many services each covers and the yearly limit per person on the ones people claim most: 215 policies from 21 insurers in the October 2026 data. For what each fund pays per claim, see what extras pay back.

StateNSW & ACT VIC QLD SA WA TAS NT

CoverSingle Couple Family Single parent Extended family Extended single parent

Must coverAnything General dental Major dental Optical Physiotherapy Chiropractic Psychology

Who can buyAnyone Include corporate and restricted

Cheapest match

$3.84a month

nib, DentalPass

Covers 1 service

Typical: $73.30
Dearest: $217.10

Monthly premium

$50

$100

$150

$200

0510152025

Typical cover

Typical $73.30

Services covered, of 27

Cheapest matchEvery other policy

One dot per policy: further right covers more services, higher up costs more. Hover or tap a dot for its name.

Insurer and policy	Services	General dental	Major dental	Optical	Physiotherapy	Per month
nibDentalPass1 service; yearly limits: general dental $50	1	$50	-	-	-	$3.84
BupaExtras Saver1 service; yearly limits: general dental $350	1	$350	-	-	-	$16.00
Mildura Health FundBase Extras - A15 services; yearly limits: optical $185, physiotherapy $390*	15	-	-	$185	$390*	$16.75
see-u by HBFEasy Extras6 services; yearly limits: general dental $400, physiotherapy $200*	6	$400	-	-	$200*	$17.04
ahmchoosable 50 – teeth3 services; yearly limits: general dental $500, major dental $500	3	$500*	$500*	-	-	$17.45
HCFHCF STARTER EXTRAS7 services; yearly limits: general dental $350, physiotherapy $150*	7	$350	-	-	$150*	$18.12
MedibankHealthy Living Extras2 services; yearly limits: general dental covered	2	Covered	-	-	-	$20.85
BupaFreedom 504 services; yearly limits: general dental $500, physiotherapy $500	4	$500*	-	-	$500*	$21.10
ahmblack 50 saver4 services; yearly limits: general dental $400, physiotherapy $300*	4	$400	-	-	$300*	$21.25
WestfundDental Saver Extras1 service; yearly limits: general dental covered	1	Covered	-	-	-	$21.58
nibValue Extras5 services; yearly limits: general dental $400, physiotherapy $200	5	$400	-	-	$200	$21.98
HBFSmart Start Extras9 services; yearly limits: general dental $350, optical $120, physiotherapy $200*	9	$350	-	$120	$200*	$22.16
HCFHCF STARTER EXTRAS (WITH OPTICAL)8 services; yearly limits: general dental $400, optical $100, physiotherapy $200	8	$400	-	$100	$200	$23.94
Australian UnityEasy Extras (ESE)6 services; yearly limits: general dental $400, physiotherapy $300*	6	$400	-	-	$300*	$24.15
see-u by HBFStarter Extras8 services; yearly limits: general dental $400, optical $150, physiotherapy $300*	8	$400	-	$150	$300*	$25.87
Latrobe Health ServicesBasic Extras10 services; yearly limits: general dental $500, major dental covered, optical $150, physiotherapy $250*	10	$500	Covered	$150	$250*	$26.30
GMHBAFrank Easy Extras8 services; yearly limits: general dental $400, optical $100, physiotherapy $350*Sold as Frank Health Insurance	8	$400	-	$100	$350*	$28.30
ahmblack 504 services; yearly limits: general dental $500, physiotherapy $300*	4	$500	-	-	$300*	$28.60
HBFBasic Extras6 services; yearly limits: general dental $350, optical $160, physiotherapy $250*	6	$350	-	$160	$250*	$28.85
GMHBAGMHBA SmartCare Starter Extras with sub-limits4 services; yearly limits: general dental $500, physiotherapy $500	4	$500*	-	-	$500*	$29.15
Health PartnersBase Extras8 services; yearly limits: general dental $350, optical $100, physiotherapy $150*	8	$350	-	$100	$150*	$29.34
BupaExplorer 50 Visitors Cover9 services; yearly limits: general dental $300, optical $150, physiotherapy $200*	9	$300	-	$150	$200*	$30.30
BupaBudget Extras 6012 services; yearly limits: general dental $350, optical $150, physiotherapy $350*	12	$350	-	$150	$350*	$30.45
WestfundStarter Extras15 services; yearly limits: general dental $400, optical $400, physiotherapy $400*	15	$400*	-	$400*	$400*	$32.89
Mildura Health FundMid Extras - A119 services; yearly limits: optical $240, physiotherapy $540*	19	-	-	$240	$540*	$34.70
nibAAMI Starter Extras6 services; yearly limits: general dental $350, optical $150, physiotherapy $250*Sold as AAMI Health Insurance	6	$350	-	$150	$250*	$35.03
nibSuncorp Health Insurance Starter Extras6 services; yearly limits: general dental $350, optical $150, physiotherapy $250*Sold as Suncorp Health Insurance	6	$350	-	$150	$250*	$35.03
nibBasic Extras4 services; yearly limits: general dental $450, optical $150, physiotherapy $200*	4	$450	-	$150	$200*	$35.39
BupaStarter Extras6 services; yearly limits: general dental $500, optical $150, physiotherapy $500	6	$500*	-	$150	$500*	$35.95
HIFBasic Extras5 services; yearly limits: general dental $400, optical $150, physiotherapy $300*	5	$400	-	$150	$300*	$36.35
GMHBAGMHBA SmartCare Starter Extras4 services; yearly limits: general dental $500, physiotherapy $500	4	$500*	-	-	$500*	$37.45
MedibankHealthy Start Extras14 services; yearly limits: general dental $500, major dental $500, optical $150, physiotherapy $500	14	$500*	$500*	$150*	$500*	$38.05
MedibankMy Choice Extras Core 608 services; yearly limits: general dental $400, major dental $350, optical $150	8	$400	$350*	$150*	-	$38.70
RT HealthValue Extras13 services; yearly limits: general dental $500, optical $200, physiotherapy $350	13	$500	-	$200	$350	$39.18
PeoplecareSimple Extras11 services; yearly limits: general dental $500, optical $150, physiotherapy $300*	11	$500	-	$150	$300*	$39.55
Mildura Health FundDental - D4 services; yearly limits: general dental $1,050, major dental $1,050	4	$1,050*	$1,050*	-	-	$40.00
Queensland Country Health FundYoung Extras14 services; yearly limits: general dental $500, major dental $500, optical $225, physiotherapy $400	14	$500*	$500*	$225	$400	$40.09
HCFHCF FLEX MY EXTRAS9 services; yearly limits: general dental $650, optical $175, physiotherapy $650	9	$650*	-	$175	$650*	$40.59
Phoenix Health FundKick Start Extras 509 services; yearly limits: general dental $500, physiotherapy $400*	9	$500	-	-	$400*	$40.78
Health PartnersFlex Extras: Eyes6 services; yearly limits: general dental $500, major dental $500, optical $200	6	$500*	$500*	$200	-	$40.91
HBFValue 5014 services; yearly limits: general dental $500, major dental $500, optical $200, physiotherapy $300*	14	$500*	$500*	$200	$300*	$42.37
nibQantas Starter Extras4 services; yearly limits: general dental $250, optical $150, physiotherapy $200Sold as Qantas Insurance	4	$250	-	$150	$200	$42.70
Health PartnersFlex Extras: Wellness15 services; yearly limits: general dental $500, major dental $500	15	$500*	$500*	-	-	$43.81
ahmvalue extras13 services; yearly limits: general dental $650, major dental $650, optical $180, physiotherapy $200	13	$650*	$650*	$180	$200	$44.50
RT HealthAmbulance and Value Extras13 services; yearly limits: general dental $500, optical $200, physiotherapy $350	13	$500	-	$200	$350	$44.63
Health PartnersFlex Extras: Body9 services; yearly limits: general dental $500, major dental $500, physiotherapy $400*	9	$500*	$500*	-	$400*	$44.72
AIA HealthBase Set Extras Only11 services; yearly limits: general dental $400, optical $150, physiotherapy $250*	11	$400	-	$150	$250*	$44.93
AIA HealthBase 55% Back Extras Only11 services; yearly limits: general dental $500, optical $150, physiotherapy $300*	11	$500	-	$150	$300*	$46.00
HIFValue Extras12 services; yearly limits: general dental $750, optical $150, physiotherapy $350*	12	$750	-	$150	$350*	$47.75
Health PartnersFlex Extras: Teeth Pro6 services; yearly limits: general dental $1,000, major dental $1,000	6	$1,000*	$1,000*	-	-	$48.62

182 more are corporate policies, sold only with hospital cover, or from insurers that restrict who can join. Limits are per person per year for a single; * marks a limit shared with other services. Waiting periods and the benefit paid per visit are on each policy's page. 18 ambulance-only policies pay for no extras treatment and are left out; they are on their insurers' pages.

Source: PrivateHealth.gov.au data (Private Health Insurance Ombudsman) via data.gov.au, licensed CC BY 3.0 AU. Normalised by The Finance Algorithm from the extract dated 1 Oct 2026, read on 23 Oct 2026.

Premiums are monthly and shown before the Australian Government rebate and any Lifetime Health Cover loading or age-based discount. Confirm the price and the cover with the insurer before you buy; the official statement for every policy is on PrivateHealth.gov.au. This is general information, not advice, and no insurer pays to be listed or ranked here.

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