Get 6 weeks free
When you choose an Extras cover online by 31 December.
Plus, get an additional two (and a bit) weeks free per year when you pay for your cover with direct debit^.
New members with Australian residency. Offer fulfilled in month 3 of membership. ^A 4% discount will be applied to direct debit payments. T&Cs apply, opens in a new tab.
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 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.
- General dental $400 a Year
- Physiotherapy $200 a Year
- Chiropractic / Osteopathy $400 a Year
- Psychology $100 a Year
- Ambulance a Year
See the full list of inclusions:
Basic Extras
Cover the basics with 100% back on select services up to your annual limit.
- Preventative Dental $400 a Year
- General dental $250 a Year
- Optical $300 a Year
- Physiotherapy & Psychology $400 a Year
- Ambulance 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.
- General dental $600 a Year
- Major dental $600 a Year
- Optical $250 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.
- General dental $600 a Year
- Major dental $600 a Year
- Optical $250 a Year
- Physiotherapy $350 a Year
- Chiropractic / Osteopathy $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
- Optical $250 a Year
- Chiropractic / Osteopathy $300 a Year
- Physiotherapy / Exercise physiology $500 a Year
- Ambulance a Day
See the full list of inclusions:
Your choice of healthcare provider
Use our Find a Provider, opens in a new tab 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, opens in a new tab, optometrists, opens in a new tab and physiotherapists, opens in a new tab.
Get more value with No Gap on selected products and services
Enjoy No Gap dental check-ups, opens in a new tab at participating providers, No Gap initial consultations with our First Choice physio network, opens in a new tab, and No Gap on selected optical products, opens in a new tab, all designed to help you save while maintaining your health.
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.
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.
