Extras-onlyOn sale

Seniors 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 (24)

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	$350 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	$250 a yearShared with Orthotics
Psychology	2 months	Initial visit: 70% of the fee Subsequent visit: 70% of the fee	$500 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
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	$250 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	$250 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	$250 a year

Not covered: Audiology (hearing tests), Vaccinations, Antenatal and postnatal care

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, $1,700 lifetime
Glasses and contact lenses
$350 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
$250 a year
Also includes other services not listed
Psychology
$500 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
Dietetics
$350 a year
Exercise physiology
$250 a year
Orthoptics
$200 a year
Health management programs
$200 a year
Home nursing
$200 a year
Occupational therapy
$300 a year
Speech therapy
$250 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 Seniors Top Extras pay for a scale and clean?

According to government data, Seniors 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 Seniors 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, 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 Seniors Top Extras be bought on its own?

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

Already have Extras? Make the most of your limits

Tell us your insurer and product name. We'll help you see what you can claim and find providers who speak your language and offer on-the-spot HICAPS claims.

Free matching