Extras-onlyOn sale

Real Top 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 (25)

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	$1,000 a year
Major dental	12 months	Extraction (322): $168.55 Full crown, veneered (615): $1,079.10	$1,000 a yearShared with Root canal (endodontics)
Root canal (endodontics)	12 months	Root canal obturation (417): $178.10	$1,000 a yearShared with Major dental
Orthodontics (braces)	12 months	Upper and lower braces plus retainer (881): 70% of the fee	$800 a year
Glasses and contact lenses	6 months	Single vision lenses and frames: 70% of the fee Multifocal lenses and frames: 70% of the fee	$300 a year
Non-PBS prescription medicines	2 months	Per prescription: 70% of the fee	$500 a year
Physiotherapy	2 months	Initial visit: 70% of the fee Subsequent visit: 70% of the fee	$500 a year
Chiropractic	2 months	Initial visit: 70% of the fee Subsequent visit: 70% of the fee	$400 a yearShared with Osteopathy
Podiatry	2 months	Initial visit: 70% of the fee Subsequent visit: 70% of the fee	$400 a yearShared with Orthotics
Psychology	2 months	Initial visit: 70% of the fee Subsequent visit: 70% of the fee	$400 a year
Acupuncture	2 months	Initial visit: 70% of the fee Subsequent visit: 70% of the fee	$400 a yearShared with Remedial massage, Chinese herbal medicine
Remedial massage	2 months	Initial visit: 70% of the fee Subsequent visit: 70% of the fee	$400 a yearShared with Acupuncture, Chinese herbal medicine
Hearing aids	36 months	Per hearing aid: 70% of the fee	$1,200 a year
Blood glucose monitors	12 months	Blood glucose monitor: 70% of the fee	$400 a year
Antenatal and postnatal care	2 months	Initial visit: 100% of the fee Subsequent visit: 100% of the fee	$250 a year
Chinese herbal medicine	2 months	Initial visit: 70% of the fee Subsequent visit: 70% of the fee	$400 a yearShared with Acupuncture, Remedial massage
Dietetics	2 months	Initial visit: 70% of the fee Subsequent visit: 70% of the fee	$350 a year
Exercise physiology	2 months	Initial visit: 70% of the fee Subsequent visit: 70% of the fee	$300 a year
Orthoptics	2 months	Initial visit: 70% of the fee Subsequent visit: 70% of the fee	$200 a year
Health management programs	6 months	Health management program: 70% of the fee	$200 a year
Home nursing	2 months	Initial visit: 70% of the fee Subsequent visit: 70% of the fee	$200 a year
Occupational therapy	2 months	Initial visit: 70% of the fee Subsequent visit: 70% of the fee	$300 a year
Orthotics	2 months	Per pair of orthotics: 70% of the fee	$400 a yearShared with Podiatry
Osteopathy	2 months	Initial visit: 70% of the fee Subsequent visit: 70% of the fee	$400 a yearShared with Chiropractic
Speech therapy	2 months	Initial visit: 70% of the fee Subsequent visit: 70% of the fee	$300 a year

Not covered: Audiology (hearing tests), Vaccinations

Annual limits

Services in the same group share one limit.

General dental
$1,000 a year
Major dental, Root canal (endodontics)
$1,000 a year
Orthodontics (braces)
$800 a year, $2,500 lifetime
Glasses and contact lenses
$300 a year
Non-PBS prescription medicines
$500 a year
Physiotherapy
$500 a year
Also includes other services not listed
Chiropractic, Osteopathy
$400 a year
Also includes other services not listed
Podiatry, Orthotics
$400 a year
Also includes other services not listed
Psychology
$400 a year
Acupuncture, Remedial massage, Chinese herbal medicine
$400 a year
Also includes other services not listed
Hearing aids
$1,200 a year, 2 per 5 years
Also includes other services not listed
Blood glucose monitors
$400 a year, 1 per year
Also includes other services not listed
Antenatal and postnatal care
$250 a year
Dietetics
$350 a year
Exercise physiology
$300 a year
Orthoptics
$200 a year
Health management programs
$200 a year
Home nursing
$200 a year
Occupational therapy
$300 a year
Speech therapy
$300 a year

Insurer's notes (original English)

Other services

Preventative Tests ($200) e.g. thin prep, bone density testing, bowel screening (Service limits apply). Health Aids ($400) e.g. spacer, peak flow meter, nebuliser, Irlen lens. Myotherapy: combined limit of $400 with acupuncture, remedial massage and chinese herbalism. Healthier Lifestyle includes nib 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 Top Extras pay for a scale and clean?

According to government data, Real Top Extras pays up to $66.85 per scale and clean (114), with a 2 months general dental waiting period. General dental annual limit: $1,000 a year.

What are the waiting periods for Real Top 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, Hearing aids 36 months, Blood glucose monitors 12 months, Antenatal and postnatal care 2 months, Chinese herbal medicine 2 months, Dietetics 2 months, Exercise physiology 2 months, Orthoptics 2 months, Health management programs 6 months, Home nursing 2 months, Occupational therapy 2 months, Orthotics 2 months, Osteopathy 2 months, Speech therapy 2 months.

Can Real Top Extras be bought on its own?

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

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