How $197.10 is worked out
- Premium as filed - $259.75 a month
- Government rebate - 24.1% of the premium (never of the loading): -$62.65
- A month - $197.10
Go to insurer no commission on this policy
Extras: what you get back
| Service | Waiting period | Example benefits, as filed | Limits |
|---|---|---|---|
| General dental | 2 months | Check-up (item 012): $35.20; Scale and clean (item 114): $66.85; Fluoride treatment (item 121): $21.85 | $600 per person a year, $2,400 per policy a year |
| Major dental | 12 months | Tooth extraction (item 322): $1079.10; Crown (item 615): $178.10 | $1,000 per person a year, $4,000 per policy a year (shared with other services) |
| Root canal | 12 months | Root canal (item 417): 65% back | $1,000 per person a year, $4,000 per policy a year (shared with other services) |
| Braces | 12 months | Braces, upper and lower, with a retainer (item 881): 65% back | $300 per person a year, $1,200 per policy a year, $1,500 lifetime |
| Glasses and contact lenses | 6 months | Single vision glasses: 65% back; Multifocal glasses: 65% back | $300 per person a year, $1,200 per policy a year |
| Prescriptions not on the PBS * | 2 months | Prescription: 65% back | $400 per person a year, $1,600 per policy a year |
| Physiotherapy | 2 months | First visit: 65% back; Follow-up visit: 65% back | $500 per person a year, $2,000 per policy a year (shared with other services) |
| Chiropractic | 2 months | First visit: 65% back; Follow-up visit: 65% back | $500 per person a year, $2,000 per policy a year (shared with other services) |
| Podiatry | 2 months | First visit: 65% back; Follow-up visit: 65% back | $400 per person a year, $1,600 per policy a year (shared with other services) |
| Psychology | 2 months | First visit: 65% back; Follow-up visit: 65% back | $300 per person a year, $1,200 per policy a year |
| Acupuncture | 2 months | First visit: 65% back; Follow-up visit: 65% back | $250 per person a year, $1,000 per policy a year (shared with other services) |
| Remedial massage | 2 months | First visit: 65% back; Follow-up visit: 65% back | $250 per person a year, $1,000 per policy a year (shared with other services) |
| Hearing aids | 36 months | Hearing aid: 65% back | $400 per person a year, $1,600 per policy a year (shared with other services) |
| Blood glucose monitors | 12 months | Blood: 65% back | $400 per person a year, $1,600 per policy a year (shared with other services) |
| Antenatal and postnatal | 2 months | First visit: 65% back; Follow-up visit: 65% back | $400 per person a year, $1,600 per policy a year (shared with other services) |
| Chinese herbal medicine | 2 months | First visit: 65% back; Follow-up visit: 65% back | $250 per person a year, $1,000 per policy a year (shared with other services) |
| Dietitian | 2 months | First visit: 65% back; Follow-up visit: 65% back | $400 per person a year, $1,600 per policy a year (shared with other services) |
| Exercise physiology | 2 months | First visit: 65% back; Follow-up visit: 65% back | $500 per person a year, $2,000 per policy a year (shared with other services) |
| Eye therapy (orthoptics) | 2 months | First visit: 65% back; Follow-up visit: 65% back | $400 per person a year, $1,600 per policy a year (shared with other services) |
| Health management programs | 6 months | Benefit: 65% back | $200 per person a year, $800 per policy a year |
| Home nursing | 2 months | First visit: 65% back; Follow-up visit: 65% back | $400 per person a year, $1,600 per policy a year (shared with other services) |
| Occupational therapy | 2 months | First visit: 65% back; Follow-up visit: 65% back | $400 per person a year, $1,600 per policy a year (shared with other services) |
| Orthotics | 2 months | Benefit: 65% back | $400 per person a year, $1,600 per policy a year (shared with other services) |
| Osteopathy | 2 months | First visit: 65% back; Follow-up visit: 65% back | $500 per person a year, $2,000 per policy a year (shared with other services) |
| Speech therapy | 2 months | First visit: 65% back; Follow-up visit: 65% back | $400 per person a year, $1,600 per policy a year (shared with other services) |
Not covered: Audiology, Vaccinations.
* Benefit paid after current PBS patient contribution deducted.
Other services, as filed: Other Therapies ($400) includes antenatal services, dietary advice, eye therapy, home nursing, occupational therapy, podiatry and speech pathology. Hearing aids / Artificial aids / Orthotics ($400) e.g. spacer, peak flow meter, nebuliser, blood glucose monitor, Irlen lens. Myotherapy: combined limit of $250 with acupuncture, remedial massage and Chinese herbalism. Healthier Lifestyle includes nib approved weight management, quit smoking and health management programs (gym, personal trainer) and more. Psychology has a sublimit of $150 for Digital Cognitive Behavioural Therapy (CBT). Non-PBS pharmaceuticals have a sub limit of $150 for Weight Management Medication.
For those who wanted the best when it came to Extras. Of course, you can see your choice of provider, but by choosing a FirstChoice provider, you may have less to pay towards the cost of your treatment. We’ve created the FirstChoice network to help you access quality healthcare and a better deal for you and your family. We’ve locked in lower costs with our FirstChoice providers, so you can enjoy competitive treatment fees when you visit the dentist or a discount the next time you claim for glasses.
Ambulance
Emergency ambulance. Call-out fees covered. Waiting period for emergency transport: 1 day. No limit on emergency transport.
This policy's other options
Every state, household and excess the insurer filed for this policy, with the premium before the rebate.
Where this comes from
Policy details come from the PrivateHealth.gov.au dataset published by the Private Health Insurance Ombudsman on data.gov.au (release of 1 Oct 2026), licensed under Creative Commons Attribution 3.0 Australia. Statement I12/QAZI2D, filed by nib Health Funds Ltd., issued 1 Oct 2026.
† Monthly premium: the premium the insurer filed with the Private Health Insurance Ombudsman for this state, household and excess, before the Australian Government rebate. Answer the income and age questions and every figure becomes the premium after your rebate, with any Lifetime Health Cover loading added to the hospital share (the rebate never applies to the loading) and the age-based discount taken off it where the policy offers one. Insurers may quote a different payment frequency and round each step; check the figure with the insurer before you join.
No insurer pays to appear on this list or for its place in it. LookFirst does not say which tier or policy suits you. The filters are your own questions.