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Real Health Insurance

Real Top Extras

$274.99 / month

Before Rebate, Discount & Loading

Available in QLD

You may be entitled to an Australian Government Rebate on the above premium. Your premium may also include an insurer discount. Check with your insurer for details.

This policy covers: Two adults (and no-one else).

Extras Cover

By using nib's First Choice providers, you will have lower out-of-pocket costs on many allied health services. A list of "preferred providers" is available from the health insurer. See https://www.nib.com.au/find-a-provider.

This policy includes General treatment (Extras) cover for

Treatment & waiting period (months)

Benefit limits per 12 months unless otherwise stated

Examples of maximum benefits

Acupuncture

$400 per person

combined limit for acupuncture, chinese medicine, remedial massage & other services

Initial visit: 70% of charge
Subsequent visit: 70% of charge

Ante-natal/Post-natal classes*

$250 per person

Initial visit: 100% of charge
Subsequent visit: 100% of charge

Blood glucose monitors

$400 per person

Per monitor: 70% of charge

Chinese medicine

$400 per person

combined limit for acupuncture, chinese medicine, remedial massage & other services

Initial visit: 70% of charge
Subsequent visit: 70% of charge

Chiropractic

$400 per person

combined limit for chiropractic, osteopathy & other services

Initial visit: 70% of charge
Subsequent visit: 70% of charge

Dietetics/dietary advice

$350 per person

Initial visit: 70% of charge
Subsequent visit: 70% of charge

Endodontic

$1,000 per person

combined limit for endodontic & major dental

Filling of one root canal: 70% of charge

Exercise physiology

$300 per person

Initial visit: 70% of charge
Subsequent visit: 70% of charge

Eye therapy (orthoptics)

$200 per person

Initial visit: 70% of charge
Subsequent visit: 70% of charge

General dental

$1,000 per person

Fluoride treatment: 70% of charge
Scale & clean: 70% of charge
Periodic oral examination: 70% of charge

Health management / Healthy lifestyle

$200 per person

Health management: 70% of charge

Hearing aids

$1,200 per person

Hearing aid: 70% of charge

Home nursing

$200 per person

Initial visit: 70% of charge
Subsequent visit: 70% of charge

Major dental

$1,000 per person

combined limit for endodontic & major dental

Surgical tooth extraction: 70% of charge
Full crown veneered: 70% of charge

Non PBS pharmaceuticals

$500 per person

Per eligible prescription: 70% of charge

Occupational therapy

$300 per person

Initial visit: 70% of charge
Subsequent visit: 70% of charge

Optical

$300 per person

Multi-focal lenses & frames: 70% of charge
Single vision lenses & frames: 70% of charge

Orthodontic

$800 per person

$2,500 lifetime limit

Braces for upper & lower teeth, including removal plus fitting of retainer: 70% of charge

Orthotics (podiatric orthoses)

$400 per person

combined limit for orthotics (podiatric orthoses), podiatry & other services

Orthotics supply & fit: 70% of charge

Osteopathy

$400 per person

combined limit for chiropractic, osteopathy & other services

Initial visit: 70% of charge
Subsequent visit: 70% of charge

Physiotherapy

$500 per person

Initial visit: 70% of charge
Subsequent visit: 70% of charge

Podiatry

$400 per person

combined limit for orthotics (podiatric orthoses), podiatry & other services

Initial visit: 70% of charge
Subsequent visit: 70% of charge

Psychology

$400 per person

Initial visit: 70% of charge
Subsequent visit: 70% of charge

Remedial massage

$400 per person

combined limit for acupuncture, chinese medicine, remedial massage & other services

sub-limits apply

Initial visit: 70% of charge
Subsequent visit: 70% of charge

Speech therapy

$300 per person

Initial visit: 70% of charge
Subsequent visit: 70% of charge

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).

This policy does not include General treatment (Extras) cover for

Audiology

Vaccinations

For further information about this policy see: https://my.nib.com.au/product-collateral/526

Ambulance cover

Ambulance cover is provided by the State government for Queensland residents (https://www.ambulance.qld.gov.au). This includes cover whilst interstate.

Other features of this ambulance cover: Emergency ambulance costs are covered by the state government for residents of Queensland.

For further information about this policy see: https://my.nib.com.au/product-collateral/526

Insurer Details

Real Health Insurance

https://www.nib.com.au

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Disclaimer: This document is not a Private Health Information Statement (PHIS), and it is not intended to replace that document. The details contained in the healthslips.com.au Policy Information was provided by the insurer to the Australian Government. It is intended as general information. It may not take into account your circumstances. For further information contact the insurer. Information used is Licensed from the Commonwealth of Australia under a Creative Commons 3.0 licence.Private Health Information Statement is available from the Private Health Insurance Ombudsman website at privatehealth.gov.au/dynamic/Premium/PHIS/NIB/I76/QTIZ20