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私保通 Private Care+
Extras-onlyOn sale

Value 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 (5)

ServiceWaiting periodMax benefit per visitAnnual limit
General dental2 months
  • Periodic exam (012): $35.20
  • Scale and clean (114): $66.85
  • Fluoride (121): $21.85
  • Extraction (322): $168.55
$400 a year
Physiotherapy2 months
  • Initial visit: 50% of the fee
  • Subsequent visit: 50% of the fee
$200 a year
Chiropractic2 months
  • Initial visit: 50% of the fee
  • Subsequent visit: 50% of the fee
$200 a yearShared with Osteopathy
Psychology2 months
  • Initial visit: 50% of the fee
  • Subsequent visit: 50% of the fee
$100 a year
Osteopathy2 months
  • Initial visit: 50% of the fee
  • Subsequent visit: 50% of the fee
$200 a yearShared with Chiropractic

Not covered: Major dental, Root canal (endodontics), Orthodontics (braces), Glasses and contact lenses, Orthoptics, Hearing aids, Audiology (hearing tests), Exercise physiology, Podiatry, Orthotics, Acupuncture, Chinese herbal medicine, Remedial massage, 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

    $400 a year

  • Physiotherapy

    $200 a year

  • Chiropractic, Osteopathy

    $200 a year

  • Psychology

    $100 a year

Insurer's notes (original English)

Other services

Psychology has a sublimit of $100 for Digital Cognitive Behavioural Therapy (CBT).

Frequently asked questions

How much does Value Extras pay for a scale and clean?
According to government data, Value Extras pays up to $66.85 per scale and clean (114), with a 2 months general dental waiting period. General dental annual limit: $400 a year.
What are the waiting periods for Value Extras?
General dental 2 months, Physiotherapy 2 months, Chiropractic 2 months, Psychology 2 months, Osteopathy 2 months.
Can Value Extras be bought on its own?
Yes. This product doesn't need to be held with hospital cover.

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