Is private health insurance extras worth it in Australia?

It depends on your healthcare usage. Use our free calculator to compare policies based on your expected dental, optical, physio and other services. The calculator shows your net outcome after premiums and limits.

How do I compare health insurance extras policies?

Enter your state, cover type (single/couple/family), and the healthcare services you expect to use. Our calculator compares thousands of policies and shows which ones offer the best value for your situation.

What is included in extras cover?

Extras cover (also called ancillary or general treatment) typically includes dental, optical, physiotherapy, chiropractic, remedial massage, podiatry, psychology and other allied health services not covered by Medicare.

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Privacy Policy

Last updated: January 2026

What information do we collect?

Calculator use (no account)

When you use the calculator without an account, your inputs (services, visits, prices) are processed temporarily on our servers to generate results. These inputs are not stored, saved, or logged. Share links encode your scenario in the URL itself—nothing is stored on our servers.

Account registration (optional)

If you choose to create an account, we collect and store your email address. Your email is encrypted at rest using AES-256-GCM encryption and can only be decrypted by our servers. We use passwordless login via magic links sent to your email.

Saved scenarios (account holders)

If you save scenarios to your account, we store: the scenario name and your calculator inputs (state, cover type, services, visits, prices). All scenario data is encrypted at rest using AES-256-GCM encryption. Calculation results are not stored—they are recalculated when you export.

Feedback form

If you submit feedback, we collect: your name, email address and message. Please don't include sensitive personal information if you don't want it collected.

Analytics

We use Vercel Analytics and Speed Insights to collect anonymous, aggregated website usage data, including:

Pages visited
Country or region
Device type and browser
Performance metrics (e.g. page load times)

This data cannot identify you personally.

What we don't collect

No passwords (we use passwordless magic links)
No personal health information
No advertising or tracking cookies
No calculator data without an account
No calculation results (recalculated on demand)

Data security

•All stored data (email addresses, saved scenarios) is encrypted at rest using AES-256-GCM
•Email addresses are hashed for lookup and encrypted for storage—we never store plain text emails
•Magic link tokens are hashed before storage and automatically expire after 15 minutes
•All connections use HTTPS encryption in transit

How we use your information

•Your email is used only for login magic links—we don't send marketing emails
•Saved scenarios are used only to restore your calculator inputs and generate exports
•Feedback and anonymous analytics are used only to improve the website
•Calculator inputs (without an account) are used only to generate your results and are not stored

Deleting your data

If you have an account, you can delete it at any time from your Account Settings. Deleting your account will permanently remove:

•Your email address
•All saved scenarios
•Any unused magic link tokens

This action is immediate and irreversible.

Who we share information with

We use the following third-party services (some may be located outside Australia):

Vercel (website hosting and analytics): vercel.com/legal/privacy-policy
Neon (database hosting for accounts and saved scenarios): neon.tech/privacy-policy
Resend (magic link and feedback email delivery): resend.com/legal/privacy-policy

We do not sell, rent, or share your information with any other parties.

Contact

If you have questions, want to access or update your personal information, or have a privacy concern, contact us at isitworthitaus@gmail.com or via the About page.