What is Extras cover?

Everyone has different needs when it comes to their health. That’s why Real Health Insurance offers four levels of Extras cover to choose from, so you can feel confident knowing you have added protection for health services that aren’t covered by Medicare.

Extras cover helps reduce your out-of-pocket expenses so you can focus on getting back to good health – whether it’s a routine service like a dental check-up, buying a new pair of glasses or treatment from your physio, or something more specialised like acupuncture, remedial massage or dietary advice.

If you want the peace of mind that comes with a more comprehensive level of cover, Real Health Insurance also offers the flexibility to pair Extras and Hospital cover for added protection.

Take out Extras cover with Real Health Insurance – it’s protection from a name you can trust.

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Features & Benefits

  • Choose from four levels of Extras cover to suit your lifestyle
  • Apply online and get covered in less than 10 minutes
  • Get up to 70% back from recognised providers2
  • Enjoy no-gap optical offers with nib's First Choice network, including partners like Specsavers3
  • Combine with Hospital cover for added protection
  • Simple online claims process
  • Check your policy usage online in real time

Proudly backed by nib

We’re committed to providing you with exceptional trusted service and that’s why we’ve partnered with nib who have over 70 years of experience supporting the health of 1.7 million customers.

Choose your Extras cover

Select a cover that includes the services you use and the amount you want to claim each year. We make it easy, so you only pay for what you need.

Starter Extras

Help cover the services people use most, including dental, optical, physio and massage. Get up to 60% back on each visit, up to your annual limit.

  • Optical $200 a year
  • Dental (including Preventative, General and Major) $800 a year
  • Physio/Chiro/Osteo $300 a year
  • Remedial Massage $150 a year

Lifestyle Extras

A step up from Starter Extras with additional services and higher annual limits. Lifestyle Extras is the ideal package if you want to focus on maintaining your health and wellbeing.

  • Optical $250 a year
  • General dental $600 a year
  • Major dental $600 a year
  • Physio $400 a year
  • Chiro/Osteo $300 a year
  • Natural Therapies and Remedial Massage $300 a year

Advanced Extras

Cover for a wider range of services that an active lifestyle might need. Advanced Extras is ideal for young singles, couples and families.

  • Optical $250 a year
  • General dental $700 a year
  • Major dental $700 a year
  • Physio $400 a year
  • Chiro/Osteo $350 a year
  • Psychology $300 a year
  • Natural Therapies and Remedial Massage $350 a year

Top Extras

For those who want the best, Top Extras gives you higher limits on an extensive range of healthcare services. Get up to 70% back on each visit, up to your annual limit.

  • Optical $300 a year
  • General dental $1000 a year
  • Major dental $1000 a year
  • Physio $500 a year
  • Chiro/Osteo $400 a year
  • Psychology $400 a year
  • Natural Therapies and Remedial Massage $400 a year
  • Orthodontia $800 a year

What other types of cover can I get with Real Health Insurance?

Hospital & Extras cover

You can choose cover from our range of Hospital and Extras plans to suit your needs. Feel confident knowing you’re reducing your out-of-pocket expenses for services like dental and optical, and have the freedom to choose your hospital and doctor as a private patient. Plus, join a new combined Hospital and Extras policy by 30 June to get up to $600 off and skip the 2 & 6 month wait on Extras.1

Hospital Only cover

Don’t need all the bells and whistles when it comes to health insurance, but want to make sure you and your loved ones are covered in an emergency? Hospital Only cover could be the perfect choice for you. You’ll have more freedom to choose where you receive medical treatment and who treats you, the exclusivity of a private room and avoid public waiting lists.

Emergency Ambulance cover

Emergency Ambulance cover

The last thing you want to worry about in the middle of an emergency is how much it’s going to cost to get to hospital. Ambulance bills can be in the hundreds or even thousands of dollars, and it’s a service we don’t often consider until it’s needed.

Help prepare for the unexpected and get the peace of mind you deserve with unlimited emergency ambulance cover4. This is part of all Hospital and Extras covers and includes:

  • One-day waiting period from when you take out cover
  • Emergency ambulance transport to hospital provided by a state or territory ambulance service (paid at 100% of the cost)
  • Emergency ambulance call out fees (where the member is treated at the scene by paramedics, and it is determined that transport to hospital is not required)
  • Transport between hospitals when transfer is medically necessary (due to the existing hospital not specialising in the treatment needed)
  • No Hospital excess is applicable for this service
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Get up to $600 off PLUS skip the 2 & 6 month wait on Extras when you join a new Hospital and Extras policy by 30 June1


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Commonly Asked Questions

Why should I get private health insurance?

There are many benefits to having private health insurance. While Medicare doesn’t cover the cost of everything you might need to maintain good health, private health insurance helps cover some of the out-of-pocket expenses for a range of health services and hospital expenses.

Depending on your income, having a level of Hospital cover may also have tax-related benefits. If your income is over $93,000 for singles ($186,000 for couples/families) and you take out and maintain private hospital cover for the full financial year, you could avoid paying an extra 1% to 1.5% in tax via the Medicare Levy Surcharge (MLS). Visit the Australian Tax Office website for specific rules for calculating income for MLS purposes.

Health insurance excess: What does it mean?

An excess is the amount you pay when you make a claim for medical treatment under your Hospital cover. It does not apply to Extras cover. Your excess can impact your premium – by choosing a lower excess, your monthly premiums will be higher than if you were to choose a higher excess. An excess is different to out-of-pocket expenses or a ‘gap’, which are fees that aren't covered by Medicare, and are in addition to your Hospital cover excess.

Do I have to re-serve waiting periods if I switch funds?

If you've served all waiting periods with your current insurer, you won't need to re-serve these. However, if you transfer before completing the waiting periods, you'll need to serve the remaining balance before you can claim. Additional waiting periods and higher annual limits may apply for services that aren't covered by your previous policy, if you've chosen a lower excess or if you wait more than 59 days after leaving your former insurer before taking out a new policy.

Waiting periods will apply for services not currently covered, services with higher benefits or where waiting periods haven’t been fully served. Where the excess on the new product is lower than the excess on the previous cover, the excess on the previous cover will apply until the unexpired waiting period has been served. Any benefit limits already used with your current fund will apply to your Real Health Insurance policy.

What is the difference between Medicare and private health insurance?

Australia’s public healthcare system is known as Medicare. It provides free or low-cost medical care for certain health issues, but can involve long waiting periods if your condition isn't life threatening. Private health insurance helps you avoid long public hospital waiting lists and gives you more freedom in who treats you and where. Private health cover also helps reduce out-of-pocket expenses for your treatment and services that aren't covered by Medicare. Please note coverage may differ depending on your level of cover and policy exclusions, waiting periods, hospital excess and limits and whether you go to an nib Agreement Hospital, a non-agreement private hospital or a public hospital.

How do I choose the right health cover for me?

Everyone has different needs when it comes to their health. When choosing the most suitable health insurance for your needs and budget, the first step is to consider whether you need cover as a single, couple or family. Next, decide what treatments and services you’d like to be covered for, then settle on your level of excess (if applicable) and monthly premium payments. With Real Health Insurance you can take out cover online in less than 10 minutes or call us on 1300 953 162 for more information.

Get up to $600 off PLUS skip the 2 & 6 month wait on Extras when you join a new Hospital and Extras policy by 30 June1

1. This Offer is only available to new members who join a combined Real Health Insurance Hospital and Extras policy by 11:59pm (AEST) 30 June 2024. Not available to existing Real Health Insurance policyholders, other health insurance policies issued by nib, or to previous policyholders who have held health insurance with any of nib partner brands and cancelled their policy 6 months before or during the Offer Period.

The Offer consists of adjusting the “paid to” date on the qualifying policy to reflect the reduction off the premium payable for an amount equating to a maximum of AUD $300 (inclusive of GST) for single policies and a maximum of AUD $600 (inclusive of GST) for couples, families and single-parent family policies. The Eligible Member must maintain the Eligible Product up to the date of the Offer being applied to the active policy, being 26 June 2024 for policies purchased between 01 April 2024 and 30 April 2024 and 31 July 2024 for policies purchased between 01 May 2024 and 31 May 2024 and 28 August 2024 for policies purchased between 01 June 2024 and 30 June 2024. The Offer will be forfeited if the Eligible Member is not an active policyholder on these dates.

In addition, 2 & 6 month waiting periods will be waived for Eligible Members on all Extras services that normally require a 2 or 6 month waiting period under the Eligible Product. The Waiver will be fulfilled at the time the Eligible Member takes out the Eligible Product.  Longer waiting periods may apply for some services. See full terms and conditions.

2. Annual limits, waiting periods and T&Cs apply. Benefits are only paid for services from nib recognised providers. A recognised provider is someone who provides a health service, like a dentist, optometrist, remedial massage therapist or physiotherapist who meet the following criteria: (i) They must work in a private practice; and (ii) They must have professional qualifications recognised by nib. To find a provider in nib’s network of healthcare professionals nib.com.au/find-a-provider.

3. Claiming optical benefits is subject to your chosen level of Extras cover, relevant waiting periods being served, and sufficient annual limits remaining. Benefits only payable on prescription Optical Appliances. nib Fund Rules and Policy Booklet terms apply.

4. Not available to: (i) QLD residents who have ambulance services provided by their State ambulance schemes; (ii) TAS residents who are covered under state ambulance schemes in TAS and when travelling in mainland Australia except NSW, SA or QLD; or (iii) pension and health care card holders who have ambulance services provided by State ambulance schemes (check entitlements with Centrelink if unsure).