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Core, Family and Young at Heart 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 (14)

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
Orthodontics (braces)	12 months	Upper and lower braces plus retainer (881): 60% of the fee	$350 a year
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	$400 a year
Physiotherapy	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$350 a year
Podiatry	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$400 a yearShared with Orthotics
Hearing aids	36 months	Per hearing aid: 60% of the fee	$500 a year
Antenatal and postnatal care	2 months	Initial visit: 100% of the fee Subsequent visit: 100% of the fee	$200 a year
Dietetics	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$300 a year
Occupational therapy	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$300 a year
Orthotics	2 months	Per pair of orthotics: 60% of the fee	$400 a yearShared with Podiatry
Speech therapy	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$350 a year

Not covered: Orthoptics, Audiology (hearing tests), Chiropractic, Osteopathy, Exercise physiology, Acupuncture, Chinese herbal medicine, Remedial massage, Psychology, Vaccinations, Blood glucose monitors, Health management programs, 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
Orthodontics (braces)
$350 a year, $1,500 lifetime
Glasses and contact lenses
$250 a year
Non-PBS prescription medicines
$400 a year
Physiotherapy
$350 a year
Podiatry, Orthotics
$400 a year
Hearing aids
$500 a year, 2 per 5 years
Antenatal and postnatal care
$200 a year
Dietetics
$300 a year
Occupational therapy
$300 a year
Speech therapy
$350 a year

Insurer's notes (original English)

Product features

The Extras you and your family need combined with the services you may need as you grow older. 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.r more details.

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). Family Health Aids - $250 limit per person per calendar year (waiting period 12 months): 60% back on health aids e.g. spacer, peak flow meter, nebuliser, Irlen lens (service limits apply). YAH Health Aids - $250 limit per person per calendar year (waiting period 12 months): 60% back on health aids e.g. hip protector, walking frame, blood pressure monitor (service limits apply). For Preventative dental service limits apply. Non-PBS pharmaceuticals have a sub limit of $150 for Weight Management Medication.

Frequently asked questions

How much does Core, Family and Young at Heart Extras pay for a scale and clean?

According to government data, Core, Family and Young at Heart 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 Core, Family and Young at Heart Extras?

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, Podiatry 2 months, Hearing aids 36 months, Antenatal and postnatal care 2 months, Dietetics 2 months, Occupational therapy 2 months, Orthotics 2 months, Speech therapy 2 months.

Can Core, Family and Young at Heart Extras be bought on its own?

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

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