Real Lifestyle Extras
An extras policy from nib.
- Sold as Real Health Insurance.
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
- Anyone
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, counting policies anyone can buy. Further right covers more services, higher up costs more.
It covers 15 services for $85.18 a month. Of the 214 other policies, 137 cost less and 110 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 | $85.18 | $166.10 | $182.28 | $140.54 | $228.28 |
| VIC | $82.83 | $161.52 | $177.26 | $136.67 | $221.98 |
| QLD | $83.33 | $162.49 | $178.32 | $137.49 | $223.32 |
| SA | $82.97 | $161.78 | $177.55 | $136.89 | $222.35 |
| WA | $81.39 | $158.70 | $174.17 | $134.29 | $218.11 |
| TAS | $82.88 | $161.61 | $177.35 | $136.74 | $222.11 |
| NT | $73.94 | $144.18 | $158.23 | $122.00 | $198.15 |
Pays towards 15 of 27 standard services
Yearly limits, per person, against the typical policy
- General dental$600typical policy $800
- Major dentalshared with endodontic (root canals)$600typical policy $1,000
- Optical$250typical policy $220
- Physiotherapy$400typical policy $450
- Chiropracticshared with osteopathy$300typical policy $400
- Psychology$300typical policy $400
What it pays on common claims, against the typical policy
- Periodic oral exam (item 012)$35.20typical policy $35.20
- Scale and clean (item 114)$66.85typical policy $66.85
- Full crown, veneered (item 615)$1,079.10typical policy $773.80
- Single vision lenses and frames60% of the feetypical policy $220.00
- Physiotherapy, first visit60% of the feetypical policy $42.00
- Psychology, first visit60% of the feetypical policy $75.00
| Service | Waiting period | Yearly limit, per person | Example benefits (all states) |
|---|---|---|---|
| General dental | 2 months | $600 | Periodic oral exam (item 012): $35.20Scale and clean (item 114): $66.85Fluoride treatment (item 121): $21.85 |
| Major dental | 12 months | $600shared with endodontic (root canals) | Surgical extraction (item 322): $168.55Full crown, veneered (item 615): $1,079.10 |
| Endodontic (root canals) | 12 months | $600shared with major dental | Root canal filling (item 417): $178.10 |
| Optical | 6 months | $250 | Multifocal lenses and frames: 60%Single vision lenses and frames: 60% |
| Physiotherapy | 2 months | $400 | Physiotherapy, first visit: 60%Physiotherapy, later visit: 60% |
| Chiropractic | 2 months | $300shared with osteopathy | Chiropractic, first visit: 60%Chiropractic, later visit: 60% |
| Psychology | 2 months | $300 | Psychology, first visit: 60%Psychology, later visit: 60% |
| Acupuncture | 2 months | $300shared with remedial massage, chinese herbal medicine | Acupuncture, first visit: 60%Acupuncture, later visit: 60% |
| Remedial massage | 2 months | $300shared with acupuncture, chinese herbal medicine | Remedial massage, first visit: 60%Remedial massage, later visit: 60% |
| Blood glucose monitors | 12 months | $250 | Blood glucose monitor: 60% |
| Chinese herbal medicine | 2 months | $300shared with acupuncture, remedial massage | Chinese herbal medicine, first visit: 60%Chinese herbal medicine, later visit: 60% |
| Dietetics | 2 months | $300 | Dietetics, first visit: 60%Dietetics, later visit: 60% |
| Exercise physiology | 2 months | $200 | Exercise physiology, first visit: 60%Exercise physiology, later visit: 60% |
| Health management programs | 6 months | $150 | Health management program: 60% |
| Osteopathy | 2 months | $300shared with chiropractic | Osteopathy, first visit: 60%Osteopathy, later visit: 60% |
Not covered: orthodontics, non-pbs medicines, podiatry, hearing aids, audiology, antenatal and postnatal, orthoptics, home nursing, occupational therapy, orthotics, speech therapy, vaccinations.
Other services: Preventative Tests - $150 limit per person per calendar year (waiting period 6 months): 60% back on preventative health test e.g. thin prep, bone density testing, bowel screening (service limits apply). Health aids - $250 limit per person per calendar year (waiting period 12 months): 60% back on health aids e.g. shoulder braces, knee braces, splints (service limits apply). Myotherapy - $300 combined limit with acupuncture, remedial massage and Chinese herbalism per person per calendar year (waiting period 2 months). 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).
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.