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Extras cover

Cover for the everyday services you use to keep healthy, like dental, optical and physiotherapy.

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What is Extras cover and how does it help you stay healthy?

What is Extras cover and how does it help you stay healthy?

Having Extras health insurance means you can claim for your regular healthcare appointments that aren’t usually covered by Medicare. These are things like a check-up at your dentist, a new pair of glasses or treatment at your physio, and can extend to a range of other services like acupuncture and dietary advice, depending on your level of cover.

Choose your cover

Choose a cover that includes the services you use and the amount you want to claim each year.

Core Extras

Essential cover for the most common healthcare services.
Get 60% back on each visit, up to the annual limits.

  • Optical $250 a Year
  • General dental $600 a Year
  • Major dental $600 a Year
  • Physiotherapy $350 a Year

See the full list of inclusions:

Core Extras Boost

The same Core cover, with higher annual limits for each service.


  • Optical $300 a Year
  • General dental $700 a Year
  • Major dental $1000 a Year
  • Physiotherapy $450 a Year

See the full list of inclusions:

Core and Wellbeing Extras

Cover for additional healthcare services. Get 60% back on each visit, up to the annual limits.

  • Optical $250 a Year
  • General dental $600 a Year
  • Major dental $600 a Year
  • Physiotherapy $350 a Year
  • Chiropractic / Osteopathy $300 a Year
  • Psychology $300 a Year

See the full list of inclusions

Top Extras

Cover for an extensive range of healthcare services with higher annual limits. Get 75% back on each visit, up to the annual limits.

  • Optical $350 a Year
  • General dental $1000 a Year
  • Major dental $1300 a Year
  • Physiotherapy $600 a Year
  • Chiropractic / Osteopathy $500 a Year
  • Psychology $500 a Year
  • Natural Therapies $400 a Year
  • Orthodontia $800 a Year

See the full list of inclusions:

Core Extras

Essential cover for the most common healthcare services.
Get 60% back on each visit, up to the annual limits.

  • Optical $250 a Year
  • General dental $600 a Year
  • Major dental $600 a Year
  • Physiotherapy $350 a Year

See the full list of inclusions:

Core Extras Boost

The same Core cover, with higher annual limits for each service.


  • Optical $300 a Year
  • General dental $700 a Year
  • Major dental $1000 a Year
  • Physiotherapy $450 a Year

See the full list of inclusions:

Core and Wellbeing Extras

Cover for additional healthcare services. Get 60% back on each visit, up to the annual limits.

  • Optical $250 a Year
  • General dental $600 a Year
  • Major dental $600 a Year
  • Physiotherapy $350 a Year
  • Chiropractic / Osteopathy $300 a Year
  • Psychology $300 a Year

See the full list of inclusions

Top Extras

Cover for an extensive range of healthcare services with higher annual limits. Get 75% back on each visit, up to the annual limits.

  • Optical $350 a Year
  • General dental $1000 a Year
  • Major dental $1300 a Year
  • Physiotherapy $600 a Year
  • Chiropractic / Osteopathy $500 a Year
  • Psychology $500 a Year
  • Natural Therapies $400 a Year
  • Orthodontia $800 a Year

See the full list of inclusions:

Why nib Extras?

Your choice of healthcare provider

See the dentist, optometrist, physiotherapist, chiropractor or other health professional you want, as long as they have qualifications
we recognise.

Get 100% back*

No gap on dental check-ups, selected glasses and contact lenses as well as other great discounts at nib Dental and Eye Care Centres.
*Terms apply.

A better deal for members

Our First Choice network of dentists, optometrists and physiotherapists offer better value for nib members, including lower treatment fees and exclusive offers.

Your choice of healthcare provider

See the dentist, optometrist, physiotherapist, chiropractor or other health professional you want, as long as they have qualifications
we recognise.

Get 100% back*

No gap on dental check-ups, selected glasses and contact lenses as well as other great discounts at nib Dental and Eye Care Centres.
*Terms apply.

A better deal for members

Our First Choice network of dentists, optometrists and physiotherapists offer better value for nib members, including lower treatment fees and exclusive offers.

Combined cover for total peace of mind

Combined cover for total peace of mind

Instead of simply having extras only, you can also pair up your extras cover with any of our Hospital covers. Whether to make tax savings, be prepared for the unexpected, or just for more comprehensive protection, choose the right combination of Hospital and Extras cover to meet your needs.

Using your Extras health cover

Using your Extras health cover

As a member, you can make the most of your Extras insurance with our network of trusted healthcare professionals who can offer you better value. Plus, it’s quick and easy to check how much you have left to claim or submit a claim on the go thanks to the nib App.