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What extras benefits do I get with nib?

We answer your biggest questions about nib Extras cover

A physiotherapist helps a senior man to stretch his arm over his head
A physiotherapist helps a senior man to stretch his arm over his head

Did you know that if you were to lay out your blood vessels, they would wrap around Earth more than twice?

What about the fact that your nose can detect a trillion different smells?

Or that your thumb has its own pulse?

Your body is one of the most complex machines in the world and it takes more than the occasional visit to your GP to keep it in prime condition.

That’s why we offer Extras cover. Extras cover helps you pay for those visits to healthcare professionals that keep you healthy.

What does Extras cover include?

At nib, we understand that everyone's health needs are unique. That's why we offer a range of Extras covers so you can choose one that’s right for you and your family. However, there are some core inclusions that we pay benefits for across most of our Extras policies, such as:

Emergency Ambulance cover

Most of our nib Extras covers offer unlimited emergency ambulance. Meaning if you require an emergency ambulance, we will cover 100% of the cost and you won’t have to pay any excess1. For more information, check out our article: How much does it cost to call an emergency ambulance in my state?

Preventative dental

We pay benefits for dental examinations, scale and cleans and fluoride treatments to keep you smiling. If you’re covered for dental with an nib Extras policy, you can get 100% back2 on check-ups at any nib Dental Care Centre. Limits apply so check your annual limits and service limits in your member account before taking up this offer.

We also offer our First Choice dental network – a network of trusted dentists that provide their services to nib members for a lower cost. So, before you make an appointment, search for a local dentist via our find a provider tool.

General dental and optical

Need a filling, basic extraction or X-ray on your teeth? That’s where general dental comes in

Visiting your optometrist? nib Extras pays benefits for prescription glasses and contact lenses. Ready to book? Visit the nib First Choice network for local optometrists across the country who have promised to deliver quality care and value for money, including Specsavers where you can get 2 pairs of designer glasses for $199 (no gap!)3.

Related: How can I save money at the dentist?


Physios can help relieve muscle pain, restore muscle strength and regain range of motion. Our First Choice Network also includes trusted physios that provide services to nib members for a lower cost. Looking for a physio? Search the nib First Choice network now to find a provider

But there’s more to nib Extras cover than just the core inclusions. We know that everyone is different when it comes to their health, so we offer a range of Extras covers that can also provide cover towards the cost of these popular treatments:

Healthier lifestyle

With the right cover, we’ll pay benefits towards your gym membership, personal training sessions and weight management programs (like Jenny Craig or Weight Watchers). For more information on how to claim, head to our Gym and weight management claiming page

Chiropractic and Osteopathy

Suffering from back and neck pain, sciatica, headaches, joint pains or muscle strain? A trip to the chiro or osteo could be on the cards.

Related: Osteo vs chiro vs physio: What's the difference?


It’s not just our physical health that we need to look after, but also our mental health. A psychologist can provide support when it comes to relationship problems, stress, weight control problems and anxiety.

Dietary advice

Need some help meal planning and preparing healthy foods for you and the family? Dietitians and nutritionists can help guide you.


Need a little help straightening up those teeth? We have covers that offer benefits for braces and plates.

Major dental

Major dental includes procedures like crowns and bridges, root canal therapy, surgical tooth removal, dentures and implants.

Extras cover is a great way to help with the costs that come with keeping you and your family healthy. For a full list of nib Extras covers, their inclusions and costs, head to our get a quote page. If you’ve got questions about claiming, waiting periods or annual limits, check out our article Taking the confusion out of Extras cover.

1 Not available to: (i) QLD residents who have ambulance services provided by their State ambulance schemes; (ii) TAS residents who are covered under state ambulance schemes in TAS and when travelling in mainland Australia except NSW, SA or QLD; or (iii) pension and health care card holders who have ambulance services provided by State ambulance schemes (check entitlements with Centrelink if unsure); or (iv) DentalPass members.

2 Payment by nib of dental benefits is subject to serving relevant waiting periods, annual limits and service limits. Check your cover by visiting Online Services or call 13 16 42. The dental check-up covers an examination (011, 012, 013), scale and clean (114) or removal of plaque (111), fluoride treatment (121) as deemed necessary and appropriate in the clinical opinion of the dentist (dentures not included). The services provided will be deducted from your annual limits and/or service limits. The 100% back offer is not to be used in conjunction with any other offer or government scheme, nor substitutable or redeemable for cash and is only available with dentists who have a preferred provider agreement with nib.

3This is subject to your chosen level of cover, policy exclusions, waiting periods and limits.