Value Extras
An extras policy from nib.
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 5 services for $21.98 a month. Of the 214 other policies, 10 cost less and 194 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.
Pays towards 5 of 27 standard services
Yearly limits, per person, against the typical policy
- General dental$400typical policy $800
- Physiotherapy$200typical policy $450
- Chiropracticshared with osteopathy$200typical policy $400
- Psychology$100typical 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
- Physiotherapy, first visit50% of the feetypical policy $42.00
- Psychology, first visit50% of the feetypical policy $75.00
| Service | Waiting period | Yearly limit, per person | Per policy | Example benefits (all states) |
|---|---|---|---|---|
| General dentalconditions apply | 2 months | $400 | $800 | Periodic oral exam (item 012): $35.20Scale and clean (item 114): $66.85Fluoride treatment (item 121): $21.85Simple extraction (item 322): $168.55 |
| Physiotherapy | 2 months | $200 | $400 | Physiotherapy, first visit: 50%Physiotherapy, later visit: 50% |
| Chiropractic | 2 months | $200shared with osteopathy | $400 | Chiropractic, first visit: 50%Chiropractic, later visit: 50% |
| Psychology | 2 months | $100 | $200 | Psychology, first visit: 50%Psychology, later visit: 50% |
| Osteopathy | 2 months | $200shared with chiropractic | $400 | Osteopathy, first visit: 50%Osteopathy, later visit: 50% |
Not covered: major dental, endodontic (root canals), orthodontics, optical, non-pbs medicines, podiatry, acupuncture, remedial massage, hearing aids, blood glucose monitors, audiology, antenatal and postnatal, chinese herbal medicine, dietetics, exercise physiology, orthoptics, health management programs, home nursing, occupational therapy, orthotics, speech therapy, vaccinations.
Other services: Psychology has a sublimit of $100 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.
Compare
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.