Hospital + ExtrasOn sale

Basic Kickstarter $750 Excess

A Hospital + Extras 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 (9)

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	$200 a year
Non-PBS prescription medicines	2 months	Per prescription: 50% of the fee	$100 a year
Physiotherapy	2 months	Initial visit: 50% of the fee Subsequent visit: 50% of the fee	$150 a year
Chiropractic	2 months	Initial visit: 50% of the fee Subsequent visit: 50% of the fee	$150 a yearShared with Osteopathy
Acupuncture	2 months	Initial visit: 50% of the fee Subsequent visit: 50% of the fee	$100 a yearShared with Chinese herbal medicine
Chinese herbal medicine	2 months	Initial visit: 50% of the fee Subsequent visit: 50% of the fee	$100 a yearShared with Acupuncture
Dietetics	2 months	Initial visit: 50% of the fee Subsequent visit: 50% of the fee	$150 a year
Exercise physiology	2 months	Initial visit: 50% of the fee Subsequent visit: 50% of the fee	$100 a year
Osteopathy	2 months	Initial visit: 50% of the fee Subsequent visit: 50% of the fee	$150 a yearShared with Chiropractic

Not covered: Major dental, Root canal (endodontics), Orthodontics (braces), Glasses and contact lenses, Orthoptics, Hearing aids, Audiology (hearing tests), Podiatry, Orthotics, Remedial massage, Psychology, Speech therapy, Occupational therapy, Vaccinations, Blood glucose monitors, Antenatal and postnatal care, Health management programs, Home nursing

Annual limits

Services in the same group share one limit.

General dental
$200 a year
Non-PBS prescription medicines
$100 a year
Physiotherapy
$150 a year
Chiropractic, Osteopathy
$150 a year
Acupuncture, Chinese herbal medicine
$100 a year
Also includes other services not listed
Dietetics
$150 a year
Exercise physiology
$100 a year

Insurer's notes (original English)

Product features

If you’re looking to take out cover for the first time, Kickstarter could help you avoid paying extra tax. 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 - $100 limit per person per calendar year (waiting period 6 months): 50% back on preventative health test e.g. thin prep, bone density testing, bowel screening (service limits apply). Myotherapy - $100 combined limit with acupuncture and Chinese herbalism per person per calendar year (waiting period 2 months).

Frequently asked questions

How much does Basic Kickstarter $750 Excess pay for a scale and clean?

According to government data, Basic Kickstarter $750 Excess pays up to $66.85 per scale and clean (114), with a 2 months general dental waiting period. General dental annual limit: $200 a year.

What are the waiting periods for Basic Kickstarter $750 Excess?

General dental 2 months, Non-PBS prescription medicines 2 months, Physiotherapy 2 months, Chiropractic 2 months, Acupuncture 2 months, Chinese herbal medicine 2 months, Dietetics 2 months, Exercise physiology 2 months, Osteopathy 2 months.

Can Basic Kickstarter $750 Excess be bought on its own?

This product combines hospital and Extras in one policy, with Basic hospital cover.

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