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Apia Essential and Advanced Extras

A Extras-only product from nib. Below is the cover registered in the government data: waiting period, benefit per visit and annual limit for each service.

Government data date: 1 October 2026

Services covered (13)

Service	Waiting period	Max benefit per visit	Annual limit
General dental	2 months	Periodic exam (012): $35.20 Scale and clean (114): $66.85 Fluoride (121): $21.85	$600 a year
Major dental	12 months	Extraction (322): $168.55 Full crown, veneered (615): $1,079.10	$600 a yearShared with Root canal (endodontics)
Root canal (endodontics)	12 months	Root canal obturation (417): $178.10	$600 a yearShared with Major dental
Glasses and contact lenses	6 months	Single vision lenses and frames: 60% of the fee Multifocal lenses and frames: 60% of the fee	$250 a year
Non-PBS prescription medicines	2 months	Per prescription: 60% of the fee	$250 a year
Physiotherapy	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$350 a year
Chiropractic	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$300 a yearShared with Osteopathy
Podiatry	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$250 a yearShared with Orthotics
Hearing aids	36 months	Per hearing aid: 60% of the fee	$800 a year
Orthoptics	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$200 a year
Health management programs	6 months	Health management program: 60% of the fee	$250 a year
Orthotics	2 months	Per pair of orthotics: 60% of the fee	$250 a yearShared with Podiatry
Osteopathy	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$300 a yearShared with Chiropractic

Not covered: Orthodontics (braces), Audiology (hearing tests), Exercise physiology, Acupuncture, Chinese herbal medicine, Remedial massage, Psychology, Dietetics, Speech therapy, Occupational therapy, Vaccinations, Blood glucose monitors, Antenatal and postnatal care, Home nursing

Annual limits

Services in the same group share one limit.

General dental
$600 a year
Major dental, Root canal (endodontics)
$600 a year
Glasses and contact lenses
$250 a year
Non-PBS prescription medicines
$250 a year
Physiotherapy
$350 a year
Chiropractic, Osteopathy
$300 a year
Podiatry, Orthotics
$250 a year
Hearing aids
$800 a year, 2 per 5 years
Orthoptics
$200 a year
Health management programs
$250 a year

Insurer's notes (original English)

Product features

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.

Other services

Preventative Tests - $200 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). Advanced Health Aids - $300 limit per person per calendar year (waiting period 12 months): 60% back on health aids e.g. walking frame, compression garments, hip protector (service limits apply). Healthy Lifestyle includes approved weight management, quit smoking and health management programs (gym, personal trainer) and more. For Preventative dental service limits apply.

Frequently asked questions

How much does Apia Essential and Advanced Extras pay for a scale and clean?

According to government data, Apia Essential and Advanced Extras pays up to $66.85 per scale and clean (114), with a 2 months general dental waiting period. General dental annual limit: $600 a year.

What are the waiting periods for Apia Essential and Advanced Extras?

General dental 2 months, Major dental 12 months, Root canal (endodontics) 12 months, Glasses and contact lenses 6 months, Non-PBS prescription medicines 2 months, Physiotherapy 2 months, Chiropractic 2 months, Podiatry 2 months, Hearing aids 36 months, Orthoptics 2 months, Health management programs 6 months, Orthotics 2 months, Osteopathy 2 months.

Can Apia Essential and Advanced Extras be bought on its own?

Yes. This product doesn't need to be held with hospital cover.

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