How $87.43 is worked out
- Premium as filed - $115.22 a month
- Government rebate - 24.1% of the premium (never of the loading): -$27.79
- A month - $87.43
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 |
| Major dental | 12 months | Tooth extraction (item 322): $168.55; Crown (item 615): $1079.10 | $600 per person a year (shared with other services) |
| Root canal | 12 months | Root canal (item 417): $178.10 | $600 per person a year (shared with other services) |
| Glasses and contact lenses | 6 months | Single vision glasses: 60% back; Multifocal glasses: 60% back | $250 per person a year |
| Prescriptions not on the PBS | 2 months | Prescription: 60% back | $400 per person a year |
| Physiotherapy | 2 months | First visit: 60% back; Follow-up visit: 60% back | $350 per person a year |
| Podiatry | 2 months | First visit: 60% back; Follow-up visit: 60% back | $200 per person a year (shared with other services) |
| Hearing aids | 36 months | Hearing aid: 60% back | $500 per person a year, 2 appliances every 5 years |
| Dietitian | 2 months | First visit: 60% back; Follow-up visit: 60% back | $300 per person a year |
| Orthotics | 2 months | Benefit: 60% back | $200 per person a year (shared with other services) |
Not covered: Braces, Chiropractic, Psychology, Acupuncture, Remedial massage, Blood glucose monitors, Audiology, Antenatal and postnatal, Chinese herbal medicine, Exercise physiology, Eye therapy (orthoptics), Health management programs, Home nursing, Occupational therapy, Osteopathy, Speech therapy, Vaccinations.
Other services, as filed: Preventative Tests - $100 limit per person per calendar year (waiting period 6 months): 60% back on preventative health tests e.g. thin prep, bone density testing, bowel screening (service limits apply). YAH Health Aids - $250 limit per person per calendar year (waiting period 12 months): 60% back on health aids e.g. hip protector, walking frame, blood pressure monitor (service limits apply). For Preventative dental service limits apply. Non-PBS pharmaceuticals have a sub limit of $150 for Weight Management Medication.
The Extras that people use most + The Extras services you may need as you grow older. 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.
No yearly limit on preventative dental.
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 I30/TCXC1D, 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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