With four kinds of extras cover on offer, nib allows you to only pay for what you need. With almost a million subscribers in New Zealand and Australia, nib can help you pay for those everyday things you need to keep you going.
Top 3 features
Good for 100% back on optical and dental check-ups at nib eye care or dental care centres.
Good for people who may require speech processors. nib's top level of extras cover provides benefits for speech processors in addition to hearing aids, which many extras policies omit.
Good for dental cover. Even nib's most basic extras package includes cover for major dental work, which is usually only provided in higher tiers on other policies.
What extras only plans are available?
nib offers four different extras only plans:
Core Extras/Core Extras Boost. Provides a 60% benefit on a basic range of extras. The Boost plan provides the same benefits, but with a higher annual limit.
Core and Wellbeing Extras. Provides a 60% benefit on the same range as Core Extras, with things like natural therapies and chiropractic included.
Top Extras. Provides a 75% benefit on a full range of services. nib's top-level extras plan.
"The primary reason I have health insurance is for the extras cover for my dental, optometry and chiro visits. I've been with a few different health insurers but I keep coming back to NIB as I've found their Extras cover gives me the most value for money. Instead of all of the complex conditions around how much I can claim back per visit from the other health insurers' I've been with, NIB's 60% benefit for all covered services means I know exactly how much I can get back from every visit, up to my annual limits."
Nicole T
Finder crew member
Other benefits of nib Extras Cover
In addition to the benefits outlined above, nib members have access to the following:
100% optical and dental back. If you visit an nib eye care or dental care centre, you can receive up to 100% back in benefits, up to your annual limit.
nib Rewards. Members have access to discounts and offers at 150+ retailers, including savings on things like groceries and gym memberships.
nib First Choice Network. By using an nib First Choice Network provider, you'll be able to lower your out-of-pocket costs and likely receive more affordable healthcare.
How do the costs work?
The way that extras operate with nib is simple. When claiming on a service, you'll receive back 60% of the cost from nib (75% with Top Extras), up to your annual limit. When you hit your annual limit for a particular service, you won't be able to claim any more benefits for that service until the following calendar year.
Keep in mind that certain groups of treatments may have sub-limits included, meaning you can only claim that total between the group of services per year, regardless of their individual limits.
Waiting periods and limitations
The waiting periods imposed upon extras claims are as follows:
1 day: For ambulance services.
2 months: For all services, except those in one of the other categories.
6 months: For optical appliances and repairs and healthier lifestyle benefits.
12 months: For specialty dental, removal of wisdom teeth, some dental surgeries by non-specialist doctors, dentures, orthodontics, and artificial aids (excluding orthotics).
36 months: For hearing aids.
How to make a claim
Generally, you'll be able to make a claim on the spot at a provider, simply by swiping your membership card. Otherwise, you can make claims online, using the nib App, or, if necessary, mailing in a claim form.
How much does health insurance cost?
We ask hundreds of Australians what they're paying for health insurance every month. Here's what their bill looked like in October 2024.
Extras only: $60
Basic: $97
Bronze: $145
Silver: $176
Gold: $210
Price based on 500+ responses for single hospital or extras insurance.
As Finder's insurance group publisher, Alex Holderness aims to make confusing topics easy to understand. She's been published in Money Mag, Yahoo Finance, Hospital Health, and is a contributing author for Google's Startup Grind. She has a keen passion for running and is currently studying for her General Insurance certification. See full bio
Looking to join nib health insurance? Check these verified sign up offers and promo codes for November 2024.
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Finder makes money from featured partners, but editorial opinions are our own.
Finder is one of Australia's leading comparison websites. We are committed to our readers and stand by our editorial principles
We try to take an open and transparent approach and provide a broad-based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.
Some product issuers may provide products or offer services through multiple brands, associated companies or different labeling arrangements. This can make it difficult for consumers to compare alternatives or identify the companies behind the products. However, we aim to provide information to enable consumers to understand these issues.
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Depending on your age, you may be eligible for an
aged-based discount. This is used to estimate your
rebate.
Under 65
65 - 69
70 or older
What's your household's taxable income?
This is the combined income you and your spouse earn before tax. It's needed to calculate the correct Australian government rebate.
$93,000 and under
$93,001 to $108,000
$108,001 to $144,000
$144,001 and over
What kind of health insurance do you need?
Combined (Extras + Hospitals)
Extras
Hospital
What level of hospital coverage would you like?
You can change this at any time later.
Legend
Covered
Restricted cover, You may be partially covered for
this category.
Not covered. Optional for insurer to include.
*Prices updated March 2024, in line with Finder's
database of health insurance policies. Prices are based
on a single individual with less than $93,000 income and
living in Sydney with a $750 excess.
What extras cover do you need? (Optional)
Select as many as you want or move to the next step
Preventative & general dental
Major dental & implants
Optical
Physiotherapy
Podiatry
Non-PBS pharmaceuticals
Chiropractic
Emergency ambulance
Remedial massage
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