Extras-onlyOn sale

ING Everyday 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 (20)

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	$700 a year
Major dental	12 months	Extraction (322): $168.55 Full crown, veneered (615): $1,079.10	$700 a yearShared with Root canal (endodontics)
Root canal (endodontics)	12 months	Root canal obturation (417): $178.10	$700 a yearShared with Major dental
Orthodontics (braces)	12 months	Upper and lower braces plus retainer (881): 60% of the fee	$500 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	$200 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	$350 a yearShared with Osteopathy
Podiatry	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$250 a yearShared with Orthotics
Psychology	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$300 a year
Acupuncture	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$150 a yearShared with Chinese herbal medicine
Remedial massage	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$150 a year
Chinese herbal medicine	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$150 a yearShared with Acupuncture
Dietetics	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$300 a year
Exercise physiology	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	$150 a year
Occupational therapy	2 months	Initial visit: 60% of the fee Subsequent visit: 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	$350 a yearShared with Chiropractic
Speech therapy	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$250 a year

Not covered: Orthoptics, Hearing aids, Audiology (hearing tests), Vaccinations, Blood glucose monitors, Antenatal and postnatal care, Home nursing

Annual limits

Services in the same group share one limit.

General dental
$700 a year
Major dental, Root canal (endodontics)
$700 a year
Orthodontics (braces)
$500 a year, $1,700 lifetime
Glasses and contact lenses
$250 a year
Physiotherapy
$350 a year
Chiropractic, Osteopathy
$350 a year
Podiatry, Orthotics
$250 a year
Psychology
$300 a year
Acupuncture, Chinese herbal medicine
$150 a year
Also includes other services not listed
Dietetics
$300 a year
Health management programs
$150 a year
Occupational therapy
$250 a year
Speech therapy
$250 a year
Non-PBS prescription medicines
$200 a year
Remedial massage
$150 a year
Exercise physiology
$200 a year

Insurer's notes (original English)

Product features

A wide range of services, with additional annual limits, to help you keep up your busy lifestyle. 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 - $150 limit per person per calendar year (waiting period 6 months): 60% back on preventative health tests for thin prep, bone density testing, bowel screening (service limits apply). Health aids - advanced - $250 limit per person per calendar year (waiting period 12 months): 60% back on health aids e.g. shoulder braces, knee braces, splints, spacer, peak flow meter, nebuliser, Irlen lens (service limits apply). Myotherapy - $150 combined limit with acupuncture and Chinese herbalism per person per calendar year (waiting period 2 months). Healthy Lifestyle includes approved weight management, quit smoking and health management programs (gym, personal trainer). Orthotics (podiatric orthoses) - service limits of 2 Single or 1 Pair per Person per Year apply. Psychology has a sublimit of $150 for Digital Cognitive Behavioural Therapy (CBT).

Special features

Orthotics (podiatric orthoses) - service limits of 2 Single or 1 Pair per Person per Year apply.

Frequently asked questions

How much does ING Everyday Advanced Extras pay for a scale and clean?

According to government data, ING Everyday Advanced Extras pays up to $66.85 per scale and clean (114), with a 2 months general dental waiting period. General dental annual limit: $700 a year.

What are the waiting periods for ING Everyday Advanced 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, Chiropractic 2 months, Podiatry 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, Occupational therapy 2 months, Orthotics 2 months, Osteopathy 2 months, Speech therapy 2 months.

Can ING Everyday Advanced Extras be bought on its own?

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

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