Extras-onlyOn sale

Real Starter 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 (8)

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	$800 a yearShared with Major dental, Root canal (endodontics)
Major dental	12 months	Extraction (322): $168.55 Full crown, veneered (615): $1,079.10	$800 a yearShared with General dental, Root canal (endodontics)
Root canal (endodontics)	12 months	Root canal obturation (417): $178.10	$800 a yearShared with General dental, 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	$200 a year
Physiotherapy	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$300 a yearShared with Chiropractic, Osteopathy
Chiropractic	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$300 a yearShared with Physiotherapy, Osteopathy
Remedial massage	2 months	Initial visit: 60% of the fee Subsequent visit: 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 Physiotherapy, Chiropractic

Not covered: Orthodontics (braces), Orthoptics, Hearing aids, Audiology (hearing tests), Exercise physiology, Podiatry, Orthotics, Acupuncture, Chinese herbal medicine, Psychology, Dietetics, 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, Root canal (endodontics)
$800 a year
Glasses and contact lenses
$200 a year
Physiotherapy, Chiropractic, Osteopathy
$300 a year
Remedial massage
$150 a year

Insurer's notes (original English)

Product features

Look after the essentials with the Extras people use most. 60% back on each visit, up to your annual limit. 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.

Frequently asked questions

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

According to government data, Real Starter Extras pays up to $66.85 per scale and clean (114), with a 2 months general dental waiting period. General dental annual limit: $800 a year.

What are the waiting periods for Real Starter 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, Remedial massage 2 months, Osteopathy 2 months.

Can Real Starter Extras be bought on its own?

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

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