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Not everyone uses their extras cover to the fullest and most are time poor to chase around the best deals.

But it is still a cost to you. Are you getting the best deal?

Estimating the cost especially if you paying combined can be daunting. Here is a simple tool.

What does your Extras Cover Actually Cost

How much does the combine hospital and extras cost per year ?
$
This is what you are paying at present.
How much does the hospital only cover cost?
$
Check the website of your health insurance provider for equivalent hospital only cover.
This is how much the cost of extras cover is.
$
Cost of combined cover less hospital only cover.
Use the calculator to estimate how much you are being covered for

Enter Cover Details

How much does your cover cost? *
$
How much was your health invoice?
$
Enter the cost of the health service. For family, add the total of everyone.
Enter the GAP amount paid.
$
How much was the GAP paid when you used the service
Rebate Amount.
$

This is how much your extras costs you.

Total Cost of Extras
$
This is how much extras costed you for the year.
Rebate paid by Health Fund.
$
This is how much was covered by your extras health fund provider
Cost per Day
$
This is how much it is costing you per day.
Effective Extras Cover.
This is how much is actually covered by your health fund
Use this calculator to work out exactly what extras you actually use and what it costs you. 
How to use the calculator.
1. Click on Add Service
2. Select services used using the dropdown box
3. Enter details as appropriate to you.
4. Enter the cost of your extras cover in the last row.

Extras Use and Costs

Enter Service Cost and the Gap paid for the services you used this year

Service Category

Service Cost

GAP Paid

Rebate

Dental

$
$
$

Optical

$
$
$

Physiotherapy

$
$
$

Chiropractic

$
$
$

Podiatry

$
$
$

Mental Health

$
$
$

Speech Therapy

$
$
$

Occupational Therapy

$
$
$

Remedial Massage

$
$
$

Lifestyle Management

$
$
$

Eye Therapy

$
$
$

Naturopath

$
$
$

Health Aids

$
$
$

Bowen Therapy

$
$
$

Alexander Technique

$
$
$

Sports Medicine

$
$
$

Yoga

$
$
$

Non PBS Medication

$
$
$

Chinese Herbalism

$
$
$

Ambulance

$
$
$

Total Service Spend $0

Total GAP Paid $0

Total Rebate $0

How much does your Exras Cover Cost?
$
How much was the Gap paid on your extras health needs
$
The Total cost of your extras cover is
$
Cost of the cover per day is
$

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Designed ground up by consumers and health professionals for a better extras cover.

XHP members enable their health and finances

Xtras Health Plan Savings Scheme (Xtras) is not an insurance policy, and you should consider your personal circumstances before deciding whether to open an account. Funds deposited to an account will not be eligible for a private health insurance rebate. Xtras may be considered as a replacement for or to act supplementary to private health insurance depending on your personal circumstances. Xtras Health Plan Ltd does not warrant that Xtras is suitable for your personal circumstances, and you should consider your health and financial needs before deciding whether to open an account. There is a risk that you may have insufficient funds in your account to meet the costs of health treatment depending on the treatment required and the amount deposited to your account.
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