What extras pay back.
An extras policy pays a set amount for each claim, and the amounts differ a lot between funds. Here's the most each fund's policies pay for the claims people make most, next to the typical policy, from the policy data every fund files with the government in October 2026.
The most any fund pays, against the typical policy
Each bar is the top payment for that claim; the line is what the typical policy pays. Pick a claim to see every fund.
- $100.00typical policy $35.20
- $134.00typical policy $66.85
- $1,781.80typical policy $773.80
- $1,200.00typical policy $161.00
- $3,600.00typical policy $1,200.00
- $400.00typical policy $220.00
- $128.00typical policy $42.00
- $253.00typical policy $75.00
Dental check-up
Periodic oral exam (item 012)
ACA Health's Ancillary Lite pays the most for a dental check-up: $100.00. The typical extras policy pays $35.20, and 22 of the 28 funds that pay a set amount for it have a policy paying more.
- $100.00
- $70.00
- $59.85
- $56.60
- $54.35
- $54.00
- $50.00
- $50.00
- $47.50
- $47.00
The top 10 of 28 funds that pay a set amount.
Show all 28 funds
| Fund | Pays | On | Single, from |
|---|---|---|---|
| ACA Health (members only) | $100.00 | Ancillary Lite | $51.52 a month |
| St Lukes Health | $70.00 | Dental Extras | $48.70 a month |
| Mildura Health Fund | $59.85 | Dental - D | $40.00 a month |
| Police Health (members only) | $56.60 | Rolling Extras | $106.10 a month |
| HIF | $54.35 | Value Extras | $39.45 a month |
| Queensland Country Health Fund | $54.00 | Core Hospital (Basic+) & Ultra Extras | $131.61 a month |
| Reserve Bank Health Society (members only) | $50.00 | Premium Extras | $233.30 a month |
| onemedifund | $50.00 | Gold Hospital & Comprehensive Extras | $445.51 a month |
| Navy Health (members only) | $47.50 | Premium Extras | $120.83 a month |
| Australian Unity | $47.00 | Top Extras (TPE) | $104.60 a month |
| Defence Health (members only) | $45.00 | Premier Extras | $105.98 a month |
| HCi | $45.00 | Silver Plus Secure & Top Extras | $320.66 a month |
| Health Partners | $44.85 | Combined Active Family Extras | $94.99 a month |
| Latrobe Health Services | $42.00 | Premier Singles and Couples Extras | $81.58 a month |
| Teachers Health (members only) | $40.00 | Mid Extras | $53.69 a month |
| Westfund | $40.00 | High Extras | $76.83 a month |
| TUH (members only) | $39.90 | Comprehensive Extras | $114.95 a month |
| ahm | $39.75 | Super Extras | $104.25 a month |
| CBHS Health (members only) | $38.00 | Essential Extras | $38.31 a month |
| HCF | $38.00 | HCF TOP EXTRAS | $86.98 a month |
| HBF | $37.50 | Basic Extras | $17.90 a month |
| GMHBA | $36.65 | GMHBA Mid Extras Set Benefits | $55.95 a month |
| nib | $35.20 | Value Extras | $21.17 a month |
| RT Health | $35.00 | Smart Extras | $78.80 a month |
| AIA Health | $35.00 | Basic Accident Only Hospital and Better Set Extras | $132.32 a month |
| see-u by HBF | $25.00 | Easy Extras | $17.04 a month |
| Hunter Health Insurance | $24.00 | Healthy Extras Cover | $71.46 a month |
| Medibank | $22.50 | Healthy Living Extras | $20.85 a month |
Scale and clean
Scale and clean (item 114)
St Lukes Health's Dental Extras pays the most for a scale and clean: $134.00. The typical extras policy pays $66.85, and 23 of the 28 funds that pay a set amount for it have a policy paying more.
- $134.00
- $122.70
- $113.10
- $110.35
- $100.00
- $100.00
- $96.20
- $95.00
- $89.00
- $85.00
The top 10 of 28 funds that pay a set amount.
Show all 28 funds
| Fund | Pays | On | Single, from |
|---|---|---|---|
| St Lukes Health | $134.00 | Dental Extras | $48.70 a month |
| Mildura Health Fund | $122.70 | Dental - D | $40.00 a month |
| Police Health (members only) | $113.10 | Rolling Extras | $106.10 a month |
| HIF | $110.35 | Value Extras | $39.45 a month |
| ACA Health (members only) | $100.00 | Ancillary Lite | $51.52 a month |
| Reserve Bank Health Society (members only) | $100.00 | Premium Extras | $233.30 a month |
| Health Partners | $96.20 | Combined Active Family Extras | $94.99 a month |
| Australian Unity | $95.00 | Top Extras (TPE) | $104.60 a month |
| Queensland Country Health Fund | $89.00 | Core Hospital (Basic+) & Ultra Extras | $131.61 a month |
| Westfund | $85.00 | High Extras | $76.83 a month |
| Navy Health (members only) | $84.50 | Premium Extras | $120.83 a month |
| Defence Health (members only) | $84.00 | Premier Extras | $105.98 a month |
| HCi | $80.00 | Silver Plus Secure & Top Extras | $320.66 a month |
| onemedifund | $80.00 | Gold Hospital & Comprehensive Extras | $445.51 a month |
| ahm | $78.50 | Super Extras | $104.25 a month |
| HCF | $76.00 | HCF TOP EXTRAS | $86.98 a month |
| Latrobe Health Services | $75.00 | Premier Singles and Couples Extras | $81.58 a month |
| HBF | $73.50 | Basic Extras | $17.90 a month |
| TUH (members only) | $72.45 | Comprehensive Extras | $114.95 a month |
| GMHBA | $72.20 | Frank Max Extras | $70.70 a month |
| RT Health | $72.00 | Top Extras | $102.45 a month |
| Teachers Health (members only) | $70.00 | Mid Extras | $53.69 a month |
| CBHS Health (members only) | $68.00 | Essential Extras | $38.31 a month |
| nib | $66.85 | Value Extras | $21.17 a month |
| AIA Health | $61.20 | Basic Accident Only Hospital and Better Set Extras | $132.32 a month |
| see-u by HBF | $50.00 | Easy Extras | $17.04 a month |
| Medibank | $43.10 | Healthy Living Extras | $20.85 a month |
| Hunter Health Insurance | $38.00 | Healthy Extras Cover | $71.46 a month |
Crown
Full crown, veneered (item 615)
Police Health's Rolling Extras pays the most for a crown: $1,781.80. The typical extras policy pays $773.80, and 18 of the 29 funds that pay a set amount for it have a policy paying more.
- $1,781.80
- $1,360.00
- $1,079.10
- $1,071.90
- $1,040.00
- $1,000.00
- $1,000.00
- $1,000.00
- $1,000.00
- $911.85
The top 10 of 29 funds that pay a set amount.
Show all 29 funds
| Fund | Pays | On | Single, from |
|---|---|---|---|
| Police Health (members only) | $1,781.80 | Rolling Extras | $106.10 a month |
| Reserve Bank Health Society (members only) | $1,360.00 | Premium Extras | $233.30 a month |
| nib | $1,079.10 | ING Essential Extras | $46.54 a month |
| Defence Health (members only) | $1,071.90 | Premier Extras | $105.98 a month |
| St Lukes Health | $1,040.00 | Packaged Ultimate Gold | $385.60 a month |
| Westfund | $1,000.00 | High Extras | $76.83 a month |
| HCF | $1,000.00 | HCF TOP EXTRAS | $86.98 a month |
| Health Partners | $1,000.00 | Combined Active Family Extras | $94.99 a month |
| ACA Health (members only) | $1,000.00 | Complete Ancillary | $125.55 a month |
| HIF | $911.85 | Top Extras | $120.75 a month |
| Doctors' Health Fund (members only) | $900.00 | Total Extras | $162.05 a month |
| onemedifund | $850.00 | Gold Hospital & Comprehensive Extras | $445.51 a month |
| Australian Unity | $804.00 | Top Extras (TPE) | $104.60 a month |
| Mildura Health Fund | $800.00 | Five Star Extras - E1 | $112.25 a month |
| Queensland Country Health Fund | $800.00 | Core Hospital (Basic+) & Ultra Extras | $131.61 a month |
| Hunter Health Insurance | $800.00 | Hunter Extras Cover | $133.70 a month |
| HCi | $800.00 | Silver Plus Secure & Top Extras | $320.66 a month |
| RT Health | $782.00 | Top Extras | $102.45 a month |
| Navy Health (members only) | $773.80 | Premium Extras | $120.83 a month |
| Teachers Health (members only) | $750.00 | Top Extras | $80.75 a month |
| CBHS Health (members only) | $750.00 | Top Extras | $95.03 a month |
| TUH (members only) | $750.00 | Comprehensive Extras | $114.95 a month |
| HBF | $743.00 | Core Extras | $40.63 a month |
| ahm | $685.95 | Super Extras | $104.25 a month |
| Latrobe Health Services | $680.00 | Premier Singles and Couples Extras | $81.58 a month |
| AIA Health | $631.00 | Silver Plus Hospital and High FlexiExtras | $183.86 a month |
| GMHBA | $520.00 | Frank Classic Extras | $53.95 a month |
| Medibank | $500.00 | My Choice Extras Move 60 | $49.20 a month |
| Bupa | $300.00 | Basic Plus Active Saver | $114.85 a month |
Root canal filling
Root canal filling (item 417)
ACA Health's Complete Ancillary pays the most for a root canal filling: $1,200.00. The typical extras policy pays $161.00, and 15 of the 27 funds that pay a set amount for it have a policy paying more.
- $1,200.00
- $850.00
- $248.40
- $242.30
- $232.00
- $226.85
- $215.00
- $200.00
- $192.00
- $191.00
The top 10 of 27 funds that pay a set amount.
Show all 27 funds
| Fund | Pays | On | Single, from |
|---|---|---|---|
| ACA Health (members only) | $1,200.00 | Complete Ancillary | $125.55 a month |
| Reserve Bank Health Society (members only) | $850.00 | Premium Extras | $233.30 a month |
| Police Health (members only) | $248.40 | Rolling Extras | $106.10 a month |
| Mildura Health Fund | $242.30 | Five Star Extras - E1 | $112.25 a month |
| Australian Unity | $232.00 | Top Extras (TPE) | $104.60 a month |
| Health Partners | $226.85 | Combined Active Family Extras | $94.99 a month |
| St Lukes Health | $215.00 | Pasplan Gold Status 85 with excess | $357.70 a month |
| onemedifund | $200.00 | Gold Hospital & Comprehensive Extras | $445.51 a month |
| RT Health | $192.00 | Top Extras | $102.45 a month |
| HCF | $191.00 | HCF TOP EXTRAS | $86.98 a month |
| HCi | $180.00 | Silver Plus Secure & Top Extras | $320.66 a month |
| nib | $178.10 | ING Essential Extras | $46.54 a month |
| TUH (members only) | $178.00 | Comprehensive Extras | $114.95 a month |
| Queensland Country Health Fund | $170.00 | Core Hospital (Basic+) & Ultra Extras | $131.61 a month |
| Navy Health (members only) | $161.30 | Premium Extras | $120.83 a month |
| Teachers Health (members only) | $160.00 | Mid Extras | $53.69 a month |
| Defence Health (members only) | $158.20 | Premier Extras | $105.98 a month |
| CBHS Health (members only) | $157.00 | Intermediate Extras | $59.67 a month |
| HIF | $155.00 | Top Extras | $120.75 a month |
| Doctors' Health Fund (members only) | $155.00 | Total Extras | $162.05 a month |
| Hunter Health Insurance | $150.00 | Premium Extras Cover | $150.40 a month |
| Latrobe Health Services | $145.00 | Premier Singles and Couples Extras | $81.58 a month |
| ahm | $142.45 | Super Extras | $104.25 a month |
| Westfund | $140.00 | Freedom Extras | $66.91 a month |
| AIA Health | $140.00 | Basic Accident Only Hospital and Better Set Extras | $132.32 a month |
| HBF | $137.00 | Core Extras | $40.63 a month |
| GMHBA | $113.60 | Frank Max Extras | $70.70 a month |
Braces
Braces, upper and lower, with retainer (item 881)
ACA Health's Complete Ancillary pays the most for braces: $3,600.00. The typical extras policy pays $1,200.00, and 9 of the 15 funds that pay a set amount for it have a policy paying more.
- $3,600.00
- $3,250.00
- $2,800.00
- $2,800.00
- $2,500.00
- $2,500.00
- $2,100.00
- $1,800.00
- $1,300.00
- $1,000.00
The top 10 of 15 funds that pay a set amount.
Show all 15 funds
| Fund | Pays | On | Single, from |
|---|---|---|---|
| ACA Health (members only) | $3,600.00 | Complete Ancillary | $125.55 a month |
| Westfund | $3,250.00 | Ultimate Extras | $117.87 a month |
| CBHS Health (members only) | $2,800.00 | Top Extras | $95.03 a month |
| TUH (members only) | $2,800.00 | Comprehensive Extras | $114.95 a month |
| Teachers Health (members only) | $2,500.00 | Top Extras | $80.75 a month |
| Hunter Health Insurance | $2,500.00 | Premium Extras Cover | $150.40 a month |
| onemedifund | $2,100.00 | Gold Hospital & Comprehensive Extras | $445.51 a month |
| Latrobe Health Services | $1,800.00 | Core Complete Extras Package | $42.27 a month |
| HIF | $1,300.00 | Super Options | $96.90 a month |
| Defence Health (members only) | $1,000.00 | Premier Extras | $105.98 a month |
| Queensland Country Health Fund | $1,000.00 | Core Hospital (Basic+) & Ultra Extras | $131.61 a month |
| HCF | $800.00 | HCF TOP EXTRAS | $86.98 a month |
| Mildura Health Fund | $800.00 | Five Star Extras - E1 | $112.25 a month |
| AIA Health | $600.00 | Basic Accident Only Hospital and Better Set Extras | $132.32 a month |
| GMHBA | $400.00 | GMHBA Mid Extras Set Benefits | $55.95 a month |
Glasses
Single vision lenses and frames
ACA Health's Complete Ancillary pays the most for glasses: $400.00. The typical extras policy pays $220.00, and 15 of the 18 funds that pay a set amount for it have a policy paying more.
- $400.00
- $370.00
- $350.00
- $350.00
- $300.00
- $300.00
- $300.00
- $300.00
- $294.55
- $289.40
The top 10 of 18 funds that pay a set amount.
Show all 18 funds
| Fund | Pays | On | Single, from |
|---|---|---|---|
| ACA Health (members only) | $400.00 | Complete Ancillary | $125.55 a month |
| Reserve Bank Health Society (members only) | $370.00 | Premium Extras | $233.30 a month |
| Westfund | $350.00 | Ultimate Extras | $117.87 a month |
| St Lukes Health | $350.00 | Packaged Ultimate Gold | $385.60 a month |
| Queensland Country Health Fund | $300.00 | Core Hospital (Basic+) & Ultra Extras | $131.61 a month |
| Peoplecare | $300.00 | Premium Extras | $184.06 a month |
| AIA Health | $300.00 | Silver Plus Advanced Hospital and Top FlexiExtras | $277.38 a month |
| HCi | $300.00 | Silver Plus Secure & Top Extras | $320.66 a month |
| Bupa | $294.55 | Gold Ultimate Health Cover | $356.40 a month |
| Police Health (members only) | $289.40 | Rolling Extras | $106.10 a month |
| Mildura Health Fund | $280.00 | Five Star Extras - E1 | $112.25 a month |
| onemedifund | $275.00 | Gold Hospital & Comprehensive Extras | $445.51 a month |
| CBHS Health (members only) | $270.00 | Top Extras | $95.03 a month |
| Teachers Health (members only) | $260.00 | Top Extras | $80.75 a month |
| Latrobe Health Services | $250.00 | Premier Singles and Couples Extras | $81.58 a month |
| ahm | $220.00 | Family Extras | $63.15 a month |
| Hunter Health Insurance | $210.00 | Premium Extras Cover | $150.40 a month |
| HIF | $150.00 | Silver Plus No Maternity Combo | $216.00 a month |
First physio visit
Physiotherapy, first visit
Police Health's Rolling Extras pays the most for a first physio visit: $128.00. The typical extras policy pays $42.00, and 27 of the 28 funds that pay a set amount for it have a policy paying more.
- $128.00
- $108.00
- $105.00
- $75.00
- $75.00
- $72.00
- $70.00
- $70.00
- $67.00
- $62.00
The top 10 of 28 funds that pay a set amount.
Show all 28 funds
| Fund | Pays | On | Single, from |
|---|---|---|---|
| Police Health (members only) | $128.00 | Rolling Extras | $106.10 a month |
| Defence Health (members only) | $108.00 | Premier Extras | $105.98 a month |
| Reserve Bank Health Society (members only) | $105.00 | Premium Extras | $233.30 a month |
| ACA Health (members only) | $75.00 | Complete Ancillary | $125.55 a month |
| Doctors' Health Fund (members only) | $75.00 | Total Extras | $162.05 a month |
| St Lukes Health | $72.00 | Pasplan Gold Status 85 with excess | $357.70 a month |
| Australian Unity | $70.00 | Top Extras (TPE) | $104.60 a month |
| HCi | $70.00 | Silver Plus Secure & Top Extras | $320.66 a month |
| Navy Health (members only) | $67.00 | Premium Extras | $120.83 a month |
| TUH (members only) | $62.00 | Family Extras | $97.41 a month |
| CBHS Health (members only) | $61.00 | Essential Extras | $38.31 a month |
| HCF | $60.00 | HCF TOP EXTRAS | $86.98 a month |
| RT Health | $60.00 | Top Extras | $102.45 a month |
| onemedifund | $60.00 | Gold Hospital & Comprehensive Extras | $445.51 a month |
| Peoplecare | $59.00 | Premium Extras | $184.06 a month |
| Teachers Health (members only) | $55.00 | Top Extras | $80.75 a month |
| Queensland Country Health Fund | $55.00 | Core Hospital (Basic+) & Ultra Extras | $131.61 a month |
| Hunter Health Insurance | $55.00 | Premium Extras Cover | $150.40 a month |
| Westfund | $52.00 | Ultimate Extras | $117.87 a month |
| HBF | $50.00 | Core Extras | $40.63 a month |
| Latrobe Health Services | $50.00 | Premier Singles and Couples Extras | $81.58 a month |
| Mildura Health Fund | $50.00 | Five Star Extras - E1 | $112.25 a month |
| HIF | $50.00 | Top Extras | $120.75 a month |
| Health Partners | $50.00 | Combined Best Extras | $122.29 a month |
| AIA Health | $45.00 | Silver Plus Hospital and High FlexiExtras | $183.86 a month |
| GMHBA | $44.00 | Frank Max Extras | $70.70 a month |
| ahm | $44.00 | Super Extras | $104.25 a month |
| see-u by HBF | $35.00 | Easy Extras | $17.04 a month |
First psychology session
Psychology, first visit
Defence Health's Premier Extras pays the most for a first psychology session: $253.00. The typical extras policy pays $75.00, and 24 of the 27 funds that pay a set amount for it have a policy paying more.
- $253.00
- $237.30
- $190.00
- $160.00
- $140.00
- $120.00
- $110.00
- $110.00
- $110.00
- $100.00
The top 10 of 27 funds that pay a set amount.
Show all 27 funds
| Fund | Pays | On | Single, from |
|---|---|---|---|
| Defence Health (members only) | $253.00 | Premier Extras | $105.98 a month |
| Police Health (members only) | $237.30 | Rolling Extras | $106.10 a month |
| Reserve Bank Health Society (members only) | $190.00 | Premium Extras | $233.30 a month |
| St Lukes Health | $160.00 | Pasplan Gold Status 85 with excess | $357.70 a month |
| CBHS Health (members only) | $140.00 | Top Extras | $95.03 a month |
| onemedifund | $120.00 | Gold Hospital & Comprehensive Extras | $445.51 a month |
| Navy Health (members only) | $110.00 | Premium Extras | $120.83 a month |
| ACA Health (members only) | $110.00 | Complete Ancillary | $125.55 a month |
| Peoplecare | $110.00 | Premium Extras | $184.06 a month |
| Teachers Health (members only) | $100.00 | Top Extras | $80.75 a month |
| Doctors' Health Fund (members only) | $100.00 | Essential Extras | $99.11 a month |
| Australian Unity | $100.00 | Top Extras (TPE) | $104.60 a month |
| Westfund | $100.00 | Ultimate Extras | $117.87 a month |
| Health Partners | $100.00 | Combined Best Extras | $122.29 a month |
| AIA Health | $100.00 | Basic Accident Only Hospital and Better Set Extras | $132.32 a month |
| Latrobe Health Services | $90.00 | Premier Singles and Couples Extras | $81.58 a month |
| TUH (members only) | $90.00 | Comprehensive Extras | $114.95 a month |
| HIF | $90.00 | Top Extras | $120.75 a month |
| ahm | $81.00 | Super Extras | $104.25 a month |
| HCF | $80.00 | HCF TOP EXTRAS | $86.98 a month |
| RT Health | $80.00 | Top Extras | $102.45 a month |
| Queensland Country Health Fund | $80.00 | Core Hospital (Basic+) & Ultra Extras | $131.61 a month |
| HCi | $80.00 | Silver Plus Secure & Top Extras | $320.66 a month |
| HBF | $79.00 | Core Extras | $40.63 a month |
| Mildura Health Fund | $70.00 | Five Star Extras - E1 | $112.25 a month |
| GMHBA | $60.00 | GMHBA SmartCare Everyday Extras with sub-limits | $57.25 a month |
| Hunter Health Insurance | $50.00 | Premium Extras Cover | $150.40 a month |
Each amount is what a policy pays at a provider outside the fund's preferred network, using the national figure or NSW's where a policy pays differently by state; preferred providers often pay more, and yearly limits cap what you can claim in total. Policies sold only through employers are left out, and so are claims paid as a share of the fee. The premium is the policy's cheapest for a single in any state, before the government rebate; for a policy that combines hospital and extras, it includes the hospital cover. Every policy, with its limits and waiting periods, is in the extras explorer.
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.
Extras, answered
- Which health fund pays the most for a dental check-up?
- ACA Health's Ancillary Lite pays the most for a dental check-up: $100.00. The typical extras policy pays $35.20, and 22 of the 28 funds that pay a set amount for it have a policy paying more. That's at a provider outside the fund's preferred network, in October 2026 data.
- Which health fund pays the most for a scale and clean?
- St Lukes Health's Dental Extras pays the most for a scale and clean: $134.00. The typical extras policy pays $66.85, and 23 of the 28 funds that pay a set amount for it have a policy paying more. That's at a provider outside the fund's preferred network, in October 2026 data.
- Which health fund pays the most for glasses?
- ACA Health's Complete Ancillary pays the most for glasses: $400.00. The typical extras policy pays $220.00, and 15 of the 18 funds that pay a set amount for it have a policy paying more. That's at a provider outside the fund's preferred network, in October 2026 data.
- Which health fund pays the most for a first physio visit?
- Police Health's Rolling Extras pays the most for a first physio visit: $128.00. The typical extras policy pays $42.00, and 27 of the 28 funds that pay a set amount for it have a policy paying more. That's at a provider outside the fund's preferred network, in October 2026 data.