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Extras cover

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

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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.

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

Choose your cover

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

Value Extras

Cost-effective, entry level cover with 50% back up to your annual limits.

  • Chiropractic / Osteopathy $200 a Year
  • Psychology $100 a Year
  • Ambulance a Year
  • General dental $400 a Year
  • Physiotherapy $400 a Year

See the full list of inclusions:

Basic Extras

Cover the basics with 100% back on select services up to your annual limit.

  • General dental $250 a Year
  • Ambulance a Year
  • Optical $150 a Year
  • Preventative Dental $200 a Year
  • Physiotherapy & Psychology $200 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 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

Advantage Extras

Comprehensive extras cover with 70% back up to your annual limits.

  • General dental $700 a Year
  • Major dental $1000 a Year
  • Orthodontia $700 a Year
  • Chiropractic / Osteopathy $300 a Year
  • Speech pathology (speech therapy) $250 a Year
  • Podiatry / Orthotics $200 a Year
  • Dietary advice $250 a Year
  • Occupational therapy $250 a Year
  • Antenatal & postnatal services $200 a Year
  • Healthier lifestyle $150 a Year
  • Natural Therapies $250 a Year
  • Remedial massage $200 a Year
  • Optical $250 a Year
  • Pharmaceutical prescriptions $300 a Year
  • Psychology $300 a Year
  • Ambulance a Day
  • Physiotherapy / Exercise physiology $500 a Year

See the full list of inclusions:

Value Extras

Cost-effective, entry level cover with 50% back up to your annual limits.

  • Chiropractic / Osteopathy $200 a Year
  • Psychology $100 a Year
  • Ambulance a Year
  • General dental $400 a Year
  • Physiotherapy $400 a Year

See the full list of inclusions:

Basic Extras

Cover the basics with 100% back on select services up to your annual limit.

  • General dental $250 a Year
  • Ambulance a Year
  • Optical $150 a Year
  • Preventative Dental $200 a Year
  • Physiotherapy & Psychology $200 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 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

Advantage Extras

Comprehensive extras cover with 70% back up to your annual limits.

  • General dental $700 a Year
  • Major dental $1000 a Year
  • Orthodontia $700 a Year
  • Chiropractic / Osteopathy $300 a Year
  • Speech pathology (speech therapy) $250 a Year
  • Podiatry / Orthotics $200 a Year
  • Dietary advice $250 a Year
  • Occupational therapy $250 a Year
  • Antenatal & postnatal services $200 a Year
  • Healthier lifestyle $150 a Year
  • Natural Therapies $250 a Year
  • Remedial massage $200 a Year
  • Optical $250 a Year
  • Pharmaceutical prescriptions $300 a Year
  • Psychology $300 a Year
  • Ambulance a Day
  • Physiotherapy / Exercise physiology $500 a Year

See the full list of inclusions:

Your choice of healthcare provider

Use our Find a Provider tool and book a recognised health professional within our First Choice network where you can access our No Gap offers on selected products and services and agreed rates. 

Get more out of your Extras health cover with our First Choice network

We're making quality care more affordable and accessible. Access agreed rates when you see a provider within our First Choice network of dentists, optometrists and physiotherapists

No Gap on selected services and products

No Gap check-ups at nib Dental Care Centres, No Gap initial consultation with a First Choice network physio, or selected No Gap optical products.

Your choice of healthcare provider

Use our Find a Provider tool and book a recognised health professional within our First Choice network where you can access our No Gap offers on selected products and services and agreed rates. 

Get more out of your Extras health cover with our First Choice network

We're making quality care more affordable and accessible. Access agreed rates when you see a provider within our First Choice network of dentists, optometrists and physiotherapists

No Gap on selected services and products

No Gap check-ups at nib Dental Care Centres, No Gap initial consultation with a First Choice network physio, or selected No Gap optical products.

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.

Combined cover for total peace of mind

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.

Using your Extras