nib extras cover
Is nib Premium 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 $153.65 a month before the rebate, $116.59 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
$1,364 behind
That costs $200 with no cover. On this policy you’d pay $1,399 in premiums and get $35 back.
206th of the 219 policies from funds anyone can join that cover this. nib’s DentalPass does best, $1,354 better off over the year.
Two dental visits and new glasses
$1,134 behind
That costs $700 with no cover. On this policy you’d pay $1,399 in premiums and get $265 back.
179th of the 189 policies from funds anyone can join that cover this. Latrobe’s Core Essential Extras does best, $1,183 better off over the year.
Two dental visits, new glasses and six physio sessions
$783 behind
That costs $1,240 with no cover. On this policy you’d pay $1,399 in premiums and get $616 back.
168th of the 181 policies from funds anyone can join that cover this. HCF’s Flex My Extras does best, $1,152 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 | $1079 a visit | $1,000shared with endodontic (root canal) | 12 months |
| Endodontic (Root Canal) | 65% of the fee | $1,000shared with major dental | 12 months |
| Orthodontic | 65% of the fee | $300 | 12 months |
| Optical | 65% of the fee | $300 | 6 months |
| Non-PBS Medications | 65% of the fee | $400 | 2 months |
| Physiotherapy | 65% of the fee | $500shared with chiropractic, exercise physiology and osteopathy | 2 months |
| Chiropractic | 65% of the fee | $500shared with physiotherapy, exercise physiology and osteopathy | 2 months |
| Podiatry | 65% of the fee | $400shared with antenatal/postnatal, dietetics, orthoptics, home nursing, occupational therapy and speech therapy | 2 months |
| Psychology | 65% of the fee | $300 | 2 months |
| Acupuncture | 65% of the fee | $250shared with remedial massage and chinese herbal medicine | 2 months |
| Remedial Massage | 65% of the fee | $250shared with acupuncture and chinese herbal medicine | 2 months |
| Hearing Aids | 65% of the fee | $400shared with glucose monitor and orthotics | 36 months |
| Glucose Monitor | 65% of the fee | $400shared with hearing aids and orthotics | 12 months |
| Antenatal/Postnatal | 65% of the fee | $400shared with podiatry, dietetics, orthoptics, home nursing, occupational therapy and speech therapy | 2 months |
| Chinese Herbal Medicine | 65% of the fee | $250shared with acupuncture and remedial massage | 2 months |
| Dietetics | 65% of the fee | $400shared with podiatry, antenatal/postnatal, orthoptics, home nursing, occupational therapy and speech therapy | 2 months |
| Exercise Physiology | 65% of the fee | $500shared with physiotherapy, chiropractic and osteopathy | 2 months |
| Orthoptics | 65% of the fee | $400shared with podiatry, antenatal/postnatal, dietetics, home nursing, occupational therapy and speech therapy | 2 months |
| Health Management | 65% of the fee | $200 | 6 months |
| Home Nursing | 65% of the fee | $400shared with podiatry, antenatal/postnatal, dietetics, orthoptics, occupational therapy and speech therapy | 2 months |
| Occupational Therapy | 65% of the fee | $400shared with podiatry, antenatal/postnatal, dietetics, orthoptics, home nursing and speech therapy | 2 months |
| Orthotics | 65% of the fee | $400shared with hearing aids and glucose monitor | 2 months |
| Osteopathy | 65% of the fee | $500shared with physiotherapy, chiropractic and exercise physiology | 2 months |
| Speech Therapy | 65% of the fee | $400shared with podiatry, antenatal/postnatal, dietetics, orthoptics, home nursing and occupational therapy | 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
Multiple services share a single annual limit pool.
Non-PBS pharmaceutical benefits may have specific conditions.
What it costs
| State | Single | Couple | Family | Single parent |
|---|---|---|---|---|
| NSW | $153.65 | $307.31 | $314.99 | $307.31 |
| VIC | $131.26 | $262.53 | $269.09 | $262.53 |
| QLD | $126.70 | $253.41 | $259.75 | $253.41 |
| WA | $110.50 | $221.00 | $226.53 | $221.00 |
| SA | $138.80 | $277.60 | $284.54 | $277.60 |
| TAS | $127.20 | $254.40 | $260.76 | $254.40 |
| NT | $122.73 | $245.47 | $251.60 | $245.47 |
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 I12/NAYE10 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.