Corporate Basic Extras
An extras policy from nib.
- Corporate policy, sold through employers and associations.
Premiums for every state, cover type and excess this policy is sold with, and what it covers, from the statement nib files with the government. Monthly, before the rebate and any Lifetime Health Cover loading.
From
Single, WA, no excess, before the rebate.
- Medicare levy surcharge
- Does not exempt you
- Ambulance
- Emergency only, call-out fees included, no limit
- Who can join
- Through an employer or group
The Private Health Information Statement for this price, on PrivateHealth.gov.au.
nib's page for this policyAgainst every other extras policy in NSW & ACT
Single cover, corporate and restricted policies included. Further right covers more services, higher up costs more.
It covers 9 services for $51.05 a month. Of the 396 other policies, 75 cost less and 324 cover more services.
Monthly premium by state and cover type
NSW prices also apply in the ACT. Each price in the tables opens its official Private Health Information Statement on PrivateHealth.gov.au, with a PDF to download.
Single premium in each state
To the nearest dollar, a month before the rebate. The tables below have every price to the cent.
No excess
| State | Single | Couple | Family | Single parent | Extended family |
|---|---|---|---|---|---|
| NSW & ACT | $51.05 | $100.57 | $112.32 | $86.79 | $142.95 |
| VIC | $51.37 | $101.20 | $113.01 | $87.33 | $143.83 |
| QLD | $50.47 | $99.42 | $111.02 | $85.79 | $141.30 |
| SA | $50.47 | $99.42 | $111.02 | $85.79 | $141.30 |
| WA | $46.36 | $91.32 | $101.99 | $78.81 | $129.80 |
| TAS | $46.36 | $91.32 | $101.99 | $78.81 | $129.80 |
| NT | $46.36 | $91.32 | $101.99 | $78.81 | $129.80 |
Pays towards 9 of 27 standard services
Yearly limits, per person, against the typical policy
- General dental$450typical policy $800
- Major dentalshared with endodontic (root canals)$450typical policy $1,000
- Optical$200typical policy $220
- Physiotherapyshared with chiropractic, exercise physiology, osteopathy$400typical policy $450
- Chiropracticshared with physiotherapy, exercise physiology, osteopathy$400typical policy $400
What it pays on common claims, against the typical policy
- Periodic oral exam (item 012)65% of the feetypical policy $35.20
- Scale and clean (item 114)65% of the feetypical policy $66.85
- Full crown, veneered (item 615)65% of the feetypical policy $773.80
- Single vision lenses and frames65% of the feetypical policy $220.00
- Physiotherapy, first visit65% of the feetypical policy $42.00
| Service | Waiting period | Yearly limit, per person | Example benefits (all states) |
|---|---|---|---|
| General dental | None | $450 | Periodic oral exam (item 012): 65%Scale and clean (item 114): 65%Fluoride treatment (item 121): 65% |
| Major dental | 12 months | $450shared with endodontic (root canals) | Surgical extraction (item 322): 65%Full crown, veneered (item 615): 65% |
| Endodontic (root canals) | 12 months | $450shared with major dental | Root canal filling (item 417): 65% |
| Optical | None | $200 | Multifocal lenses and frames: 65%Single vision lenses and frames: 65% |
| Non-PBS medicines | None | $150 | Non-PBS prescription: 65% |
| Physiotherapy | None | $400shared with chiropractic, exercise physiology, osteopathy | Physiotherapy, first visit: 65%Physiotherapy, later visit: 65% |
| Chiropractic | None | $400shared with physiotherapy, exercise physiology, osteopathy | Chiropractic, first visit: 65%Chiropractic, later visit: 65% |
| Exercise physiology | None | $400shared with physiotherapy, chiropractic, osteopathy | Exercise physiology, first visit: 65%Exercise physiology, later visit: 65% |
| Osteopathy | None | $400shared with physiotherapy, chiropractic, exercise physiology | Osteopathy, first visit: 65%Osteopathy, later visit: 65% |
Not covered: orthodontics, podiatry, psychology, acupuncture, remedial massage, hearing aids, blood glucose monitors, audiology, antenatal and postnatal, chinese herbal medicine, dietetics, orthoptics, health management programs, home nursing, occupational therapy, orthotics, speech therapy, vaccinations.
Preventative dental is not counted against the dental limit.
Other services: For Preventative dental service limits apply.
From the insurer: Cover for commonly used extras services. 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.
Example benefits are what the policy pays for that item at a provider without a special arrangement with the insurer; a percentage is of the fee charged. The typical policy is the middle one of the 708 extras policies on the market that aren't sold only through employers.
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Source: PrivateHealth.gov.au data (Private Health Insurance Ombudsman) via data.gov.au, licensed CC BY 3.0 AU. Normalised by The Finance Algorithm from the extract dated 1 Oct 2026, read on 23 Oct 2026.
Premiums are monthly and shown before the Australian Government rebate and any Lifetime Health Cover loading or age-based discount. Confirm the price and the cover with the insurer before you buy; the official statement for every policy is on PrivateHealth.gov.au. This is general information, not advice, and no insurer pays to be listed or ranked here.