Extras-onlyOn sale

Real Lifestyle 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 (15)

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	$400 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	$300 a yearShared with Remedial massage, Chinese herbal medicine
Remedial massage	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$300 a yearShared with Acupuncture, Chinese herbal medicine
Blood glucose monitors	12 months	Blood glucose monitor: 60% of the fee	$250 a year
Chinese herbal medicine	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$300 a yearShared with Acupuncture, Remedial massage
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, 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
$400 a year
Chiropractic, Osteopathy
$300 a year
Psychology
$300 a year
Acupuncture, Remedial massage, Chinese herbal medicine
$300 a year
Also includes other services not listed
Dietetics
$300 a year
Health management programs
$150 a year
Blood glucose monitors
$250 a year
Also includes other services not listed
Exercise physiology
$200 a year

Insurer's notes (original English)

Other services

Preventative Tests - $150 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). Health aids - $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 - $300 combined limit with acupuncture, remedial massage 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) and more. Psychology has a sublimit of $150 for Digital Cognitive Behavioural Therapy (CBT).

Frequently asked questions

How much does Real Lifestyle Extras pay for a scale and clean?

According to government data, Real Lifestyle 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 Real Lifestyle 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, Blood glucose monitors 12 months, Chinese herbal medicine 2 months, Dietetics 2 months, Exercise physiology 2 months, Health management programs 6 months, Osteopathy 2 months.

Can Real Lifestyle Extras be bought on its own?

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

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