Hospital + ExtrasClosed

Basic Plus $500 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

This product is closed: it no longer accepts new members, but existing members can keep using it.

Services covered (16)

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	$500 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
Orthodontics (braces)	12 months	Upper and lower braces plus retainer (881): 65% of the fee	$200 a year
Glasses and contact lenses	6 months	Single vision lenses and frames: 65% of the fee Multifocal lenses and frames: 65% of the fee	$250 a year
Non-PBS prescription medicines	2 months	Per prescription: 65% of the fee	$200 a year
Physiotherapy	2 months	Initial visit: 65% of the fee Subsequent visit: 65% of the fee	$350 a yearShared with Chiropractic, Exercise physiology, Osteopathy
Chiropractic	2 months	Initial visit: 65% of the fee Subsequent visit: 65% of the fee	$350 a yearShared with Physiotherapy, Exercise physiology, Osteopathy
Psychology	2 months	Initial visit: 65% of the fee Subsequent visit: 65% of the fee	$200 a year
Acupuncture	2 months	Initial visit: 65% of the fee Subsequent visit: 65% of the fee	$200 a yearShared with Remedial massage, Chinese herbal medicine, Dietetics
Remedial massage	2 months	Initial visit: 65% of the fee Subsequent visit: 65% of the fee	$200 a yearShared with Acupuncture, Chinese herbal medicine, Dietetics
Chinese herbal medicine	2 months	Initial visit: 65% of the fee Subsequent visit: 65% of the fee	$200 a yearShared with Acupuncture, Remedial massage, Dietetics
Dietetics	2 months	Initial visit: 65% of the fee Subsequent visit: 65% of the fee	$200 a yearShared with Acupuncture, Remedial massage, Chinese herbal medicine
Exercise physiology	2 months	Initial visit: 65% of the fee Subsequent visit: 65% of the fee	$350 a yearShared with Physiotherapy, Chiropractic, Osteopathy
Health management programs	6 months	Health management program: 65% of the fee	$150 a year
Osteopathy	2 months	Initial visit: 65% of the fee Subsequent visit: 65% of the fee	$350 a yearShared with Physiotherapy, Chiropractic, Exercise physiology

Not covered: Orthoptics, Hearing aids, Audiology (hearing tests), Podiatry, Orthotics, 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
$500 a year
Major dental, Root canal (endodontics)
$600 a year
Orthodontics (braces)
$200 a year, $1,000 lifetime
Glasses and contact lenses
$250 a year
Non-PBS prescription medicines
$200 a year
Physiotherapy, Chiropractic, Exercise physiology, Osteopathy
$350 a year
Psychology
$200 a year
Acupuncture, Remedial massage, Chinese herbal medicine, Dietetics
$200 a year
Also includes other services not listed
Health management programs
$150 a year

Insurer's notes (original English)

Product features

Great for young people who were not thinking about kids, but who wanted more cover for things like major dental. 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

Myotherapy: combined limit of $200 with acupuncture, remedial massage, dietary advice and Chinese herbalism. Healthier Lifestyle includes e.g. approved weight management, quit smoking and nicotine replacement (gym, personal training), preventative health tests (service limits apply). Psychology has a sublimit of $150 for Digital Cognitive Behavioural Therapy (CBT).

Special features

Benefit paid after current PBS patient contribution deducted

Frequently asked questions

How much does Basic Plus $500 Excess pay for a scale and clean?

According to government data, Basic Plus $500 Excess pays up to $66.85 per scale and clean (114), with a 2 months general dental waiting period. General dental annual limit: $500 a year.

What are the waiting periods for Basic Plus $500 Excess?

General dental 2 months, Major dental 12 months, Root canal (endodontics) 12 months, Orthodontics (braces) 12 months, Glasses and contact lenses 6 months, Non-PBS prescription medicines 2 months, Physiotherapy 2 months, Chiropractic 2 months, Psychology 2 months, Acupuncture 2 months, Remedial massage 2 months, Chinese herbal medicine 2 months, Dietetics 2 months, Exercise physiology 2 months, Health management programs 6 months, Osteopathy 2 months.

Can Basic Plus $500 Excess be bought on its own?

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

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