Extras-onlyOn sale

ING Everyday 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
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
Physiotherapy	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$300 a year
Chiropractic	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$300 a yearShared with Osteopathy
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
Osteopathy	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$300 a yearShared with Chiropractic

Not covered: Orthodontics (braces), Orthoptics, Hearing aids, Audiology (hearing tests), Podiatry, Orthotics, Speech therapy, Occupational therapy, Non-PBS prescription medicines, Vaccinations, Blood glucose monitors, Antenatal and postnatal care, 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
Glasses and contact lenses
$250 a year
Physiotherapy
$300 a year
Chiropractic, Osteopathy
$300 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
Remedial massage
$150 a year
Exercise physiology
$200 a year

Insurer's notes (original English)

Product features

The services that people use most, bundled with additional services like remedial massage and exercise physiology. 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 and bowel screening (service limits apply). Health aids - everyday - $250 limit per person per calendar year (waiting period 12 months): 60% back on health aids e.g. shoulder braces, knee braces, splints (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). Psychology has a sublimit of $150 for Digital Cognitive Behavioural Therapy (CBT).

Frequently asked questions

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

According to government data, ING Everyday 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 ING Everyday Extras?

General dental 2 months, Major dental 12 months, Root canal (endodontics) 12 months, Glasses and contact lenses 6 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 ING Everyday Extras be bought on its own?

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

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