nib extras cover
Is nib Apia Essential and Advanced Extras worth it?
For one adult in NSW, it costs more than it pays back in all three of the ways of using extras worked through below. It is $86.85 a month before the rebate, $65.90 after.
Three ways of using it
Worked for one adult in NSW, under 65, on the 24.118% rebate, over a year, at typical prices: $200 for general dental, $300 for optical and $90 for physiotherapy.
One dental check-up a year
$756 behind
That costs $200 with no cover. On this policy you’d pay $791 in premiums and get $35 back.
147th of the 219 policies from funds anyone can join that cover this. nib’s DentalPass does best, $746 better off over the year.
Two dental visits and new glasses
$540 behind
That costs $700 with no cover. On this policy you’d pay $791 in premiums and get $250 back.
122nd of the 189 policies from funds anyone can join that cover this. Latrobe’s Core Essential Extras does best, $590 better off over the year.
Two dental visits, new glasses and six physio sessions
$216 behind
That costs $1,240 with no cover. On this policy you’d pay $791 in premiums and get $574 back.
97th of the 181 policies from funds anyone can join that cover this. HCF’s Flex My Extras does best, $586 better off over the year.
Your year won’t look like any of those.
Put in what you actually use and the calculator sets this policy beside every other one, with the working.
What it pays
| Service | Benefit | Yearly limit | Wait |
|---|---|---|---|
| General Dental | $35 a visit | $600 | 2 months |
| Major Dental | $169 a visit | $600shared with endodontic (root canal) | 12 months |
| Endodontic (Root Canal) | $178 a visit | $600shared with major dental | 12 months |
| Optical | 60% of the fee | $250 | 6 months |
| Non-PBS Medications | 60% of the fee | $250 | 2 months |
| Physiotherapy | 60% of the fee | $350 | 2 months |
| Chiropractic | 60% of the fee | $300shared with osteopathy | 2 months |
| Podiatry | 60% of the fee | $250shared with orthotics | 2 months |
| Hearing Aids | 60% of the fee | $800 | 36 months |
| Orthoptics | 60% of the fee | $200 | 2 months |
| Health Management | 60% of the fee | $250 | 6 months |
| Orthotics | 60% of the fee | $250shared with podiatry | 2 months |
| Osteopathy | 60% of the fee | $300shared with chiropractic | 2 months |
As listed for one adult in NSW. A percentage is of the provider’s fee; a dollar figure is the most paid per visit. Where a benefit differs by item, the commonest one is shown.
Conditions to know
Specific rules apply to dental services.
What it costs
| State | Single | Couple | Family | Single parent |
|---|---|---|---|---|
| NSW | $86.85 | $169.35 | $185.85 | $143.30 |
| VIC | $84.82 | $165.39 | $181.51 | $139.95 |
| QLD | $84.68 | $165.13 | $181.22 | $139.72 |
| WA | $83.69 | $163.19 | $179.09 | $138.08 |
| SA | $85.22 | $166.18 | $182.38 | $140.62 |
| TAS | $84.64 | $165.04 | $181.12 | $139.65 |
| NT | $78.72 | $153.51 | $168.47 | $129.89 |
Listed premiums a month, before the rebate. The rebate takes 24.118% off for most households under 65.
What beats it
For two dental visits and new glasses, from funds anyone can join:
- 1Latrobe Core Essential Extras+$49 ahead
- 2Health Partners Flex Extras: Eyes+$47 ahead
- 3HCF Flex My Extras+$45 ahead
Worked from the Australian Government’s Private Health Open Listing, 01-Oct-2026, with the same sums as the calculator: listed premiums after the rebate, benefits capped by each policy’s limits and waiting periods. Product code I39/NDPR10 on privatehealth.gov.au. How the sums work.
This is general information, not personal financial advice. Confirm the premium and benefits with the fund before you buy or switch. Independent of every fund listed · No affiliate fees, no commissions.