Corporate Top 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, NT, 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 25 services for $177.85 a month. Of the 396 other policies, 353 cost less and 22 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 | $177.85 | $350.36 | $391.26 | $302.34 | $497.97 |
| VIC | $174.06 | $342.89 | $382.92 | $295.89 | $487.36 |
| QLD | $175.73 | $346.18 | $386.60 | $298.73 | $492.03 |
| SA | $175.73 | $346.18 | $386.60 | $298.73 | $492.03 |
| WA | $167.92 | $330.80 | $369.42 | $285.46 | $470.17 |
| TAS | $169.41 | $333.73 | $372.69 | $287.99 | $474.34 |
| NT | $166.43 | $327.86 | $366.14 | $282.93 | $466.00 |
Pays towards 25 of 27 standard services
Yearly limits, per person, against the typical policy
- General dental$900typical policy $800
- Major dentalshared with endodontic (root canals)$1,200typical policy $1,000
- Optical$300typical policy $220
- Physiotherapyshared with exercise physiology$750typical policy $450
- Chiropracticshared with osteopathy$600typical policy $400
- Psychologyshared with 5 other services$500typical policy $400
What it pays on common claims, against the typical policy
- Periodic oral exam (item 012)85% of the feetypical policy $35.20
- Scale and clean (item 114)85% of the feetypical policy $66.85
- Full crown, veneered (item 615)85% of the feetypical policy $773.80
- Single vision lenses and frames85% of the feetypical policy $220.00
- Physiotherapy, first visit85% of the feetypical policy $42.00
- Psychology, first visit85% of the feetypical policy $75.00
| Service | Waiting period | Yearly limit, per person | Example benefits (all states) |
|---|---|---|---|
| General dental | None | $900 | Periodic oral exam (item 012): 85%Scale and clean (item 114): 85%Fluoride treatment (item 121): 85% |
| Major dental | 12 months | $1,200shared with endodontic (root canals) | Surgical extraction (item 322): 85%Full crown, veneered (item 615): 85% |
| Endodontic (root canals) | 12 months | $1,200shared with major dental | Root canal filling (item 417): 85% |
| Orthodontics | 12 months | $1,200, $2,600 lifetime | Braces, upper and lower, with retainer (item 881): 85% |
| Optical | None | $300 | Multifocal lenses and frames: 85%Single vision lenses and frames: 85% |
| Non-PBS medicines | None | $700shared with 5 other services | Non-PBS prescription: 85% |
| Physiotherapy | None | $750shared with exercise physiology | Physiotherapy, first visit: 85%Physiotherapy, later visit: 85% |
| Chiropractic | None | $600shared with osteopathy | Chiropractic, first visit: 85%Chiropractic, later visit: 85% |
| Podiatry | None | $700shared with 5 other services | Podiatry, first visit: 85%Podiatry, later visit: 85% |
| Psychology | None | $500shared with 5 other services | Psychology, first visit: 85%Psychology, later visit: 85% |
| Acupuncture | None | $300shared with remedial massage, chinese herbal medicine | Acupuncture, first visit: 85%Acupuncture, later visit: 85% |
| Remedial massage | None | $300shared with acupuncture, chinese herbal medicine | Remedial massage, first visit: 85%Remedial massage, later visit: 85% |
| Hearing aids | 36 months | $500shared with 5 other services | Hearing aid: 85% |
| Blood glucose monitors | 12 months | $500shared with 5 other services | Blood glucose monitor: 85% |
| Antenatal and postnatal | None | $700shared with 5 other services | Antenatal and postnatal, first visit: 85%Antenatal and postnatal, later visit: 85% |
| Chinese herbal medicine | None | $300shared with acupuncture, remedial massage | Chinese herbal medicine, first visit: 85%Chinese herbal medicine, later visit: 85% |
| Dietetics | None | $700shared with 5 other services | Dietetics, first visit: 85%Dietetics, later visit: 85% |
| Exercise physiology | None | $750shared with physiotherapy | Exercise physiology, first visit: 85%Exercise physiology, later visit: 85% |
| Orthoptics | None | $500shared with 5 other services | Orthoptics, first visit: 85%Orthoptics, later visit: 85% |
| Health management programs | None | $150 | Health management program: 85% |
| Home nursing | None | $700shared with 5 other services | Home nursing, first visit: 85%Home nursing, later visit: 85% |
| Occupational therapy | None | $500shared with 5 other services | Occupational therapy, first visit: 85%Occupational therapy, later visit: 85% |
| Orthotics | None | $700shared with 5 other services | Orthotics: 85% |
| Osteopathy | None | $600shared with chiropractic | Osteopathy, first visit: 85%Osteopathy, later visit: 85% |
| Speech therapy | None | $500shared with 5 other services | Speech therapy, first visit: 85%Speech therapy, later visit: 85% |
Not covered: audiology, vaccinations.
Preventative dental is not counted against the dental limit.
Other services: Preventative Tests - Included in combined therapies limit with home nursing, dietary advice, antenatal and postnatal services, pharmaceuticals and podiatry/orthotics: 85% back on preventative health test e.g. thin prep, bone density testing and bowel screening (service limits apply). Top Health Aids (12 month waiting period) - Included in combined therapies limit with speech therapy, eye therapy, occupational therapy, psychology and hearing aids: 85% back on health aids e.g. spacer, peak flow meter, nebuliser, blood glucose monitor, Irlen lens (service limits apply). Myotherapy - $300 combined limit with acupuncture, remedial massage and Chinese herbalism per person per calendar year. Healthy Lifestyle includes 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). For Preventative dental service limits apply.
From the insurer: For those who want the best when it comes 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.
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.