Choice Extras (Dependants under 25)
An extras policy from Westfund.
Premiums for every state, cover type and excess this policy is sold with, and what it covers, from the statement Westfund files with the government. Monthly, before the rebate and any Lifetime Health Cover loading.
From
Single parent, NT, no excess, before the rebate.
- Medicare levy surcharge
- Does not exempt you
- Ambulance
- Emergency and non-emergency, call-out fees included, no limit
- Who can join
- Anyone
The Private Health Information Statement for this price, on PrivateHealth.gov.au.
Westfund's page for this policyAgainst every other extras policy in NSW & ACT
Single parent cover, counting policies anyone can buy. Further right covers more services, higher up costs more.
It covers 21 services for $109.20 a month. Of the 208 other policies, 79 cost less and 63 cover more services.
Monthly premium by state and cover type
NSW prices also apply in the ACT. Each price in the tables opens its official Private Health Information Statement on PrivateHealth.gov.au, with a PDF to download.
Single parent premium in each state
To the nearest dollar, a month before the rebate. The tables below have every price to the cent.
Pays towards 21 of 27 standard services
Yearly limits, per person, against the typical policy
- General dentalshared with major dental, endodontic (root canals)$800typical policy $800
- Major dentalshared with general dental, endodontic (root canals)$800typical policy $1,000
- Optical$200typical policy $220
- Physiotherapyshared with 16 other services$400typical policy $450
- Chiropracticshared with 16 other services$400typical policy $400
- Psychologyshared with 16 other services$400typical policy $400
What it pays on common claims, against the typical policy
- Periodic oral exam (item 012)50% of the feetypical policy $35.20
- Scale and clean (item 114)50% of the feetypical policy $66.85
- Full crown, veneered (item 615)50% of the feetypical policy $773.80
- Single vision lenses and frames100% of the feetypical policy $220.00
- Physiotherapy, first visit50% of the feetypical policy $42.00
- Psychology, first visit50% of the feetypical policy $75.00
| Service | Waiting period | Yearly limit, per person | Example benefits (all states) |
|---|---|---|---|
| General dentalconditions apply | 2 months | $800shared with major dental, endodontic (root canals) | Periodic oral exam (item 012): 50%Scale and clean (item 114): 50%Fluoride treatment (item 121): 50%Simple extraction (item 322): 50% |
| Major dental | 12 months | $800shared with general dental, endodontic (root canals) | Full crown, veneered (item 615): 50% |
| Endodontic (root canals) | 12 months | $800shared with general dental, major dental | Root canal filling (item 417): 50% |
| Optical | 2 months | $200 | Multifocal lenses and frames: 100%Single vision lenses and frames: 100% |
| Physiotherapy | 2 months | $400shared with 16 other services | Physiotherapy, first visit: 50%Physiotherapy, later visit: 50% |
| Chiropractic | 2 months | $400shared with 16 other services | Chiropractic, first visit: 50%Chiropractic, later visit: 50% |
| Podiatry | 2 months | $400shared with 16 other services | Podiatry, first visit: 50%Podiatry, later visit: 50% |
| Psychology | 2 months | $400shared with 16 other services | Psychology, first visit: 50%Psychology, later visit: 50% |
| Acupuncture | 2 months | $400shared with 16 other services | Acupuncture, first visit: 50%Acupuncture, later visit: 50% |
| Remedial massage | 2 months | $400shared with 16 other services | Remedial massage, first visit: 50%Remedial massage, later visit: 50% |
| Audiology | 2 months | $400shared with 16 other services | Audiology, first visit: 50%Audiology, later visit: 50% |
| Antenatal and postnatal | 12 months | $400shared with 16 other services | Antenatal and postnatal, first visit: 50%Antenatal and postnatal, later visit: 50% |
| Chinese herbal medicine | 2 months | $400shared with 16 other services | Chinese herbal medicine, first visit: 50%Chinese herbal medicine, later visit: 50% |
| Dietetics | 2 months | $400shared with 16 other services | Dietetics, first visit: 50%Dietetics, later visit: 50% |
| Exercise physiology | 2 months | $400shared with 16 other services | Exercise physiology, first visit: 50%Exercise physiology, later visit: 50% |
| Orthoptics | 2 months | $400shared with 16 other services | Orthoptics, first visit: 50%Orthoptics, later visit: 50% |
| Health management programs | 2 months | $400shared with 16 other services | Health management program: 50% |
| Home nursing | 2 months | $400shared with 16 other services | Home nursing, first visit: 50%Home nursing, later visit: 50% |
| Occupational therapy | 2 months | $400shared with 16 other services | Occupational therapy, first visit: 50%Occupational therapy, later visit: 50% |
| Osteopathy | 2 months | $400shared with 16 other services | Osteopathy, first visit: 50%Osteopathy, later visit: 50% |
| Speech therapy | 2 months | $400shared with 16 other services | Speech therapy, first visit: 50%Speech therapy, later visit: 50% |
Not covered: orthodontics, non-pbs medicines, hearing aids, blood glucose monitors, orthotics, vaccinations.
From the insurer: Additional benefits included in this policy are Counselling, Sunglasses purchased through a Westfund Care Centre or through Westfund’s online sunglasses store, The Collection. Please contact Westfund for details or visit www.westfund.com.au/help/ for additional claiming information.
Access our Provider of Choice network — dental providers nationwide who work with us to help lower or eliminate out-of-pocket costs on selected preventative treatments
Example benefits are what the policy pays for that item at a provider without a special arrangement with the insurer; a percentage is of the fee charged. The typical policy is the middle one of the 708 extras policies on the market that aren't sold only through employers.
Compare
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.