Hospital + ExtrasClosed

Basic Saver - 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 (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	$450 a yearShared with Major dental
Major dental	12 months	Extraction (322): $168.55 Full crown, veneered (615): $1,079.10	$450 a yearShared with General dental
Glasses and contact lenses	6 months	Single vision lenses and frames: 50% of the fee Multifocal lenses and frames: 50% of the fee	$200 a year
Physiotherapy	2 months	Initial visit: 50% of the fee Subsequent visit: 50% of the fee	$200 a yearShared with Chiropractic, Exercise physiology
Chiropractic	2 months	Initial visit: 50% of the fee Subsequent visit: 50% of the fee	$200 a yearShared with Physiotherapy, Exercise physiology
Acupuncture	2 months	Initial visit: 50% of the fee Subsequent visit: 50% of the fee	$100 a yearShared with Chinese herbal medicine, Dietetics
Chinese herbal medicine	2 months	Initial visit: 50% of the fee Subsequent visit: 50% of the fee	$100 a yearShared with Acupuncture, Dietetics
Dietetics	2 months	Initial visit: 50% of the fee Subsequent visit: 50% of the fee	$100 a yearShared with Acupuncture, Chinese herbal medicine
Exercise physiology	2 months	Initial visit: 50% of the fee Subsequent visit: 50% of the fee	$200 a yearShared with Physiotherapy, Chiropractic

Not covered: Root canal (endodontics), Orthodontics (braces), Orthoptics, Hearing aids, Audiology (hearing tests), Osteopathy, Podiatry, Orthotics, Remedial massage, Psychology, Speech therapy, Occupational therapy, Non-PBS prescription medicines, 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, Major dental
$450 a year
Glasses and contact lenses
$200 a year
Physiotherapy, Chiropractic, Exercise physiology
$200 a year
Acupuncture, Chinese herbal medicine, Dietetics
$100 a year
Also includes other services not listed

Insurer's notes (original English)

Product features

Of course you can see your choice of provider, but by choosing an nib First Choice provider, you may have less to pay towards the cost of your treatment. We’ve created the nib First Choice network to help you access quality healthcare when you need it most. These health providers will deliver quality care and value for money and a better deal for you and your family. We’ve locked in lower costs with nib First Choice 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 $100 with acupuncture, dietary advice and Chinese herbalism. Waiting periods for dental treatment range between 2 and 12 months. Only select major dental items are covered. Please contact insurer for details.

Special features

Surgical tooth extraction and Oral Surgery has a 12 month waiting period.

Frequently asked questions

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

According to government data, Basic Saver - 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: $450 a year.

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

General dental 2 months, Major dental 12 months, Glasses and contact lenses 6 months, Physiotherapy 2 months, Chiropractic 2 months, Acupuncture 2 months, Chinese herbal medicine 2 months, Dietetics 2 months, Exercise physiology 2 months.

Can Basic Saver - 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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