Real Health Insurance
Real Top Extras
Real Health Insurance (a nib policy)
How $208.82 is worked out
- Premium as filed - $275.19 a month
- Government rebate - 24.1% of the premium (never of the loading): -$66.37
- A month - $208.82
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 | $1,000 per person a year |
| Major dental | 12 months | Tooth extraction (item 322): $168.55; Crown (item 615): $1079.10 | $1,000 per person a year (shared with other services) |
| Root canal | 12 months | Root canal (item 417): $178.10 | $1,000 per person a year (shared with other services) |
| Braces | 12 months | Braces, upper and lower, with a retainer (item 881): 70% back | $800 per person a year, $2,500 lifetime |
| Glasses and contact lenses | 6 months | Single vision glasses: 70% back; Multifocal glasses: 70% back | $300 per person a year |
| Prescriptions not on the PBS | 2 months | Prescription: 70% back | $500 per person a year |
| Physiotherapy | 2 months | First visit: 70% back; Follow-up visit: 70% back | $500 per person a year |
| Chiropractic | 2 months | First visit: 70% back; Follow-up visit: 70% back | $400 per person a year (shared with other services) |
| Podiatry | 2 months | First visit: 70% back; Follow-up visit: 70% back | $400 per person a year (shared with other services) |
| Psychology | 2 months | First visit: 70% back; Follow-up visit: 70% back | $400 per person a year |
| Acupuncture | 2 months | First visit: 70% back; Follow-up visit: 70% back | $400 per person a year (shared with other services) |
| Remedial massage | 2 months | First visit: 70% back; Follow-up visit: 70% back | $400 per person a year (shared with other services) |
| Hearing aids | 36 months | Hearing aid: 70% back | $1,200 per person a year, 2 appliances every 5 years |
| Blood glucose monitors | 12 months | Blood: 70% back | $400 per person a year, 1 appliance every year |
| Antenatal and postnatal * | 2 months | First visit: 100% back; Follow-up visit: 100% back | $250 per person a year |
| Chinese herbal medicine | 2 months | First visit: 70% back; Follow-up visit: 70% back | $400 per person a year (shared with other services) |
| Dietitian | 2 months | First visit: 70% back; Follow-up visit: 70% back | $350 per person a year |
| Exercise physiology | 2 months | First visit: 70% back; Follow-up visit: 70% back | $300 per person a year |
| Eye therapy (orthoptics) | 2 months | First visit: 70% back; Follow-up visit: 70% back | $200 per person a year |
| Health management programs | 6 months | Benefit: 70% back | $200 per person a year |
| Home nursing | 2 months | First visit: 70% back; Follow-up visit: 70% back | $200 per person a year |
| Occupational therapy | 2 months | First visit: 70% back; Follow-up visit: 70% back | $300 per person a year |
| Orthotics | 2 months | Benefit: 70% back | $400 per person a year (shared with other services) |
| Osteopathy | 2 months | First visit: 70% back; Follow-up visit: 70% back | $400 per person a year (shared with other services) |
| Speech therapy | 2 months | First visit: 70% back; Follow-up visit: 70% back | $300 per person a year |
Not covered: Audiology, Vaccinations.
Other services, as filed: Preventative Tests ($200) e.g. thin prep, bone density testing, bowel screening (Service limits apply). Health Aids ($400) e.g. spacer, peak flow meter, nebuliser, Irlen lens. Myotherapy: combined limit of $400 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).
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 I76/STJE20, 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.
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