Health insurance leaderboard28 policies14 October 2026
The cheapest extras cover with dental, optical and physio.
Rank by
- First$202a year after the rebateSmart Start ExtrasHBFPays back $430 on 2 dental check-ups, a pair of glasses and 4 physio visits · 9 servicesGo to site
- Second$218a year after the rebateHCF Starter Extras (With Optical)HCFPays back $472 on 2 dental check-ups, a pair of glasses and 4 physio visits · 8 servicesGo to site
- Third$236a year after the rebateStarter Extrassee-u by HBFPays back $442 on 2 dental check-ups, a pair of glasses and 4 physio visits · 8 servicesGo to site
Ranked by what a single pays for a year after the government rebate, cheapest first: extras-only policies that cover general dental, optical and physiotherapy, sold on their own. Leaves out extras sold only with the insurer’s hospital cover, policies missing any of the three, and funds only a group’s members can join. Compares 28 insurers, not the whole market.
The other 25 policies
Ranked by what a single pays for a year after the government rebate, cheapest first: extras-only policies that cover general dental, optical and physiotherapy, sold on their own.
| # | Policy | Pays back | Services | A month | Extras only | Links |
|---|---|---|---|---|---|---|
| 4 |  | $493 | 10 | $19.96 | $239a year after the rebate$37.70 more than first ranked | Go to site |
| 5 |  | $443 | 8 | $21.47 | $258a year after the rebate$55.91 more than first ranked | Go to site |
| 6 |  | $398 | 8 | $22.26 | $267a year after the rebate$65.38 more than first ranked | Go to site |
| 7 |  | $625 | 9 | $22.99 | $276a year after the rebate$74.12 more than first ranked | Go to site |
| 8 |  | $506 | 15 | $24.96 | $299a year after the rebate$97.71 more than first ranked | Go to site |
| 9 |  | $450 | 9 | $25.72 | $309a year after the rebate$107 more than first ranked | Go to site |
| 10 |  | $720 | 6 | $26.58 | $319a year after the rebate$117 more than first ranked | Go to site |
| 11 |  | $800 | 4 | $26.85 | $322a year after the rebate$120 more than first ranked | Go to site |
| 12 |  | $625 | 5 | $27.58 | $331a year after the rebate$129 more than first ranked | Go to site |
| 13 |  | $593 | 13 | $29.73 | $357a year after the rebate$155 more than first ranked | Go to site |
| 14 |  | $585 | 11 | $30.01 | $360a year after the rebate$158 more than first ranked | Go to site |
| 15 |  | $632 | 14 | $30.42 | $365a year after the rebate$163 more than first ranked | Go to site |
| 16 | Qantas Starter ExtrasQantas Insurance | $600 | 4 | $32.40 | $389a year after the rebate$187 more than first ranked | Go to site |
| 17 |  | $525 | 13 | $33.77 | $405a year after the rebate$203 more than first ranked | Go to site |
| 18 |  | $482 | 11 | $34.09 | $409a year after the rebate$207 more than first ranked | Go to site |
| 19 | ING Essential ExtrasING Health Insurance | $770 | 8 | $40.18 | $482a year after the rebate$280 more than first ranked | Go to site |
| 20 | Suncorp Health Insurance Everyday Extras | $770 | 11 | $40.83 | $490a year after the rebate$288 more than first ranked | Go to site |
| 21 |  | $780 | 5 | $41.04 | $492a year after the rebate$291 more than first ranked | Go to site |
| 22 |  | $739 | 19 | $43.06 | $517a year after the rebate$315 more than first ranked | Go to site |
| 23 |  | $770 | 9 | $43.37 | $520a year after the rebate$319 more than first ranked | Go to site |
| 24 |  | $770 | 13 | $44.96 | $540a year after the rebate$338 more than first ranked | Go to site |
| 25 |  | $770 | 8 | $45.35 | $544a year after the rebate$342 more than first ranked | Go to site |
| 26 |  | $555 | 5 | $45.45 | $545a year after the rebate$344 more than first ranked | Go to site |
| 27 |  | $578 | 22 | $46.93 | $563a year after the rebate$361 more than first ranked | Go to site |
| 28 |  | $650 | 20 | $54.23 | $651a year after the rebate$449 more than first ranked | Go to site |
- 4Basic ExtrasLatrobe Health Services$239a year after the rebate$37.70 more than first rankedPays back $493 on 2 dental check-ups, a pair of glasses and 4 physio visits · 10 services
- 5Frank Easy ExtrasFrank Health Insurance$258a year after the rebate$55.91 more than first rankedPays back $443 on 2 dental check-ups, a pair of glasses and 4 physio visits · 8 services
- 6Base ExtrasHealth Partners$267a year after the rebate$65.38 more than first rankedPays back $398 on 2 dental check-ups, a pair of glasses and 4 physio visits · 8 services
- 7Essential 50 Visitors Cover ExtrasBupa$276a year after the rebate$74.12 more than first rankedPays back $625 on 2 dental check-ups, a pair of glasses and 4 physio visits · 9 services
- 8Starter ExtrasWestfund$299a year after the rebate$97.71 more than first rankedPays back $506 on 2 dental check-ups, a pair of glasses and 4 physio visits · 15 services
- 9Essential Extras 60Medibank$309a year after the rebate$107 more than first rankedPays back $450 on 2 dental check-ups, a pair of glasses and 4 physio visits · 9 services
- 10AAMI Starter ExtrasAAMI Health Insurance$319a year after the rebate$117 more than first rankedPays back $720 on 2 dental check-ups, a pair of glasses and 4 physio visits · 6 services
- 11Basic Extrasnib$322a year after the rebate$120 more than first rankedPays back $800 on 2 dental check-ups, a pair of glasses and 4 physio visits · 4 services
- 12Basic ExtrasHIF$331a year after the rebate$129 more than first rankedPays back $625 on 2 dental check-ups, a pair of glasses and 4 physio visits · 5 services
- 13Value ExtrasRT Health$357a year after the rebate$155 more than first rankedPays back $593 on 2 dental check-ups, a pair of glasses and 4 physio visits · 13 services
- 14Simple ExtrasPeoplecare$360a year after the rebate$158 more than first rankedPays back $585 on 2 dental check-ups, a pair of glasses and 4 physio visits · 11 services
- 15Young ExtrasQueensland Country Health Fund$365a year after the rebate$163 more than first rankedPays back $632 on 2 dental check-ups, a pair of glasses and 4 physio visits · 14 services
- 16Qantas Starter ExtrasQantas Insurance$389a year after the rebate$187 more than first rankedPays back $600 on 2 dental check-ups, a pair of glasses and 4 physio visits · 4 services
- 17value extrasahm$405a year after the rebate$203 more than first rankedPays back $525 on 2 dental check-ups, a pair of glasses and 4 physio visits · 13 services
- 18Base Set Extras OnlyAIA Health Insurance$409a year after the rebate$207 more than first rankedPays back $482 on 2 dental check-ups, a pair of glasses and 4 physio visits · 11 services
- 19ING Essential ExtrasING Health Insurance$482a year after the rebate$280 more than first rankedPays back $770 on 2 dental check-ups, a pair of glasses and 4 physio visits · 8 services
- 20Suncorp Health Insurance Everyday Extras$490a year after the rebate$288 more than first rankedPays back $770 on 2 dental check-ups, a pair of glasses and 4 physio visits · 11 services
- 21Apia Essential ExtrasApia Health Insurance$492a year after the rebate$291 more than first rankedPays back $780 on 2 dental check-ups, a pair of glasses and 4 physio visits · 5 services
- 22Base Extras and Dental - ADMildura Health Fund$517a year after the rebate$315 more than first rankedPays back $739 on 2 dental check-ups, a pair of glasses and 4 physio visits · 19 services
- 23Seniors Essentials ExtrasSeniors Health Insurance$520a year after the rebate$319 more than first rankedPays back $770 on 2 dental check-ups, a pair of glasses and 4 physio visits · 9 services
- 24Focus Extras (FCE)Australian Unity$540a year after the rebate$338 more than first rankedPays back $770 on 2 dental check-ups, a pair of glasses and 4 physio visits · 13 services
- 25Real Starter ExtrasReal Health Insurance$544a year after the rebate$342 more than first rankedPays back $770 on 2 dental check-ups, a pair of glasses and 4 physio visits · 8 services
- 26Budget ExtrasSt.LukesHealth$545a year after the rebate$344 more than first rankedPays back $555 on 2 dental check-ups, a pair of glasses and 4 physio visits · 5 services
- 27GMHBA Mid Extras Set Benefits$563a year after the rebate$361 more than first rankedPays back $578 on 2 dental check-ups, a pair of glasses and 4 physio visits · 22 services
- 28Healthy Extras CoverHunter Health Insurance$651a year after the rebate$449 more than first rankedPays back $650 on 2 dental check-ups, a pair of glasses and 4 physio visits · 20 services
NSW and ACT prices. Priced for a single under 65 earning under $105,000, after the full 24.1% rebate, with no Lifetime Health Cover loading or age-based discount, paid monthly. Premiums change each 1 April. Each brand shows its cheapest policy; one policy sold under two brands of one fund is one row. What it pays back is worked out on 2 dental check-ups, a pair of glasses and 4 physio visits in a year, at typical fees that add up to $1,300, within the policy’s limits; the ranking is on the premium alone. Waiting periods apply to a new policy. The same policy is also the cheapest in QLD. In WA the cheapest is Basic Extras from Latrobe Health Services, at $175 a year.
Rank them on your answers
Ranked here for one household. The questions price a year at your state, age, income and household, with what your extras pay back.
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As of 14 October 2026, the cheapest extras cover with general dental, optical and physio tracked by BankMate, for a single in NSW and ACT after the rebate, is Smart Start Extras from HBF at $202 a year. How we rank →