Extras cover

We believe that health cover should be easy to understand, easy to claim on, and easy on the wallet. This section is designed to help simplify Private Health Insurance, and show you how to get the most from your nib health cover. Learn more about our range of covers.

Extras cover is for services you can use everyday to stay healthy - like going to the dentist, a visit to the physio, or a new pair of glasses. Most of these services Medicare doesn't cover adequately, so we help you pay for them. If your nib health cover is a Hospital and Extras package, or an Extras cover, then you'll be able to claim benefits for Extras included in your cover.

Get 60% or 75% back on core Extras

With nib, depending on the level of health cover you choose, you'll get either 60% (Core and Core Plus) or 75% (Top) of the cost back on Extras every time you claim, until you reach your annual limit. Take out Core Extras cover, for example, and you'll get 60% of the cost back on Extras like dental and optical every time you claim (up to your annual limit). So, if you visit your dentist for a filling and it costs $200, you know you'll get 60% back - that's $120 back in your wallet.

Some of nib's older health covers may not pay benefits this way. If you'd like to change to a health cover that does pay 60% or 75% back on Extras then it may be time for a health cover review.