Real Health Insurance

Real Advanced Extras

Name: Real Advanced Extras
Brand: Real Health Insurance
Price: 247.97 AUD

$247.97 / month

(Before Rebate, Discount & Loading)

Available in VIC

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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 & dependants (3 or more people, only 2 of whom are adults).

Children (0 - 17), non-classified* dependant (18 - 20) and students (21 - 30), as well as persons with a disability who qualify as a child, non-classified* dependant and student in these age ranges. *Non-classified dependant: For nib Policies a person who is not a Policy Holder or Partner and who: is aged under 21 years is not married and does not have a defacto Partner; and includes a Foster Child, legally adopted child or stepchild.

Policy ID: NIB/I75/VTIF2D

Source: Private Health Information Statement (PHIS)

Extras Cover

By using our FirstChoice providers, you may 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 2

$350 per person

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

Initial visit: 60% of charge
Subsequent visit: 60% of charge

Blood glucose monitors 12

$250 per person

Per monitor: 60% of charge

Chinese medicine 2

$350 per person

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

Initial visit: 60% of charge
Subsequent visit: 60% of charge

Chiropractic 2

$350 per person

combined limit for chiropractic & osteopathy

Initial visit: 60% of charge
Subsequent visit: 60% of charge

Dietetics/dietary advice 2

$300 per person

Initial visit: 60% of charge
Subsequent visit: 60% of charge

Endodontic 12

$700 per person

combined limit for endodontic & major dental

Filling of one root canal: 60% of charge

Exercise physiology 2

$250 per person

Initial visit: 60% of charge
Subsequent visit: 60% of charge

General dental 2

$700 per person

Fluoride treatment: 60% of charge
Scale & clean: 60% of charge
Periodic oral examination: 60% of charge

Health management / Healthy lifestyle 6

$150 per person

Health management: 60% of charge

Major dental 12

$700 per person

combined limit for endodontic & major dental

Surgical tooth extraction: 60% of charge
Full crown veneered: 60% of charge

Non PBS pharmaceuticals 2

$400 per person

Per eligible prescription: 60% of charge

Occupational therapy 2

$250 per person

Initial visit: 60% of charge
Subsequent visit: 60% of charge

Optical 6

$250 per person

Multi-focal lenses & frames: 60% of charge
Single vision lenses & frames: 60% of charge

Orthodontic 12

$500 per person

$1,700 lifetime limit

Braces for upper & lower teeth, including removal plus fitting of retainer: 60% of charge

Orthotics (podiatric orthoses) 2

$250 per person

combined limit for orthotics (podiatric orthoses) & podiatry

Orthotics supply & fit: 60% of charge

Osteopathy 2

$350 per person

combined limit for chiropractic & osteopathy

Initial visit: 60% of charge
Subsequent visit: 60% of charge

Physiotherapy 2

$400 per person

Initial visit: 60% of charge
Subsequent visit: 60% of charge

Podiatry 2

$250 per person

combined limit for orthotics (podiatric orthoses) & podiatry

Initial visit: 60% of charge
Subsequent visit: 60% of charge

Psychology 2

$300 per person

Initial visit: 60% of charge
Subsequent visit: 60% of charge

Remedial massage 2

$350 per person

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

sub-limits apply

Initial visit: 60% of charge
Subsequent visit: 60% of charge

Speech therapy 2

$250 per person

Initial visit: 60% of charge
Subsequent visit: 60% of charge

Acupuncture

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$350 per person}

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

Examples of maximum benefits

{Initial visit: 60% of charge}

{Subsequent visit: 60% of charge}

Blood glucose monitors

Waiting period: 12 months

Benefit limits per 12 months unless otherwise stated

{$250 per person}

Examples of maximum benefits

{Per monitor: 60% of charge}

Chinese medicine

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$350 per person}

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

Examples of maximum benefits

{Initial visit: 60% of charge}

{Subsequent visit: 60% of charge}

Chiropractic

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$350 per person}

{combined limit for chiropractic & osteopathy}

Examples of maximum benefits

{Initial visit: 60% of charge}

{Subsequent visit: 60% of charge}

Dietetics/dietary advice

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$300 per person}

Examples of maximum benefits

{Initial visit: 60% of charge}

{Subsequent visit: 60% of charge}

Endodontic

Waiting period: 12 months

Benefit limits per 12 months unless otherwise stated

{$700 per person}

{combined limit for endodontic & major dental}

Examples of maximum benefits

{Filling of one root canal: 60% of charge}

Exercise physiology

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$250 per person}

Examples of maximum benefits

{Initial visit: 60% of charge}

{Subsequent visit: 60% of charge}

General dental

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$700 per person}

Examples of maximum benefits

{Fluoride treatment: 60% of charge}

{Scale & clean: 60% of charge}

{Periodic oral examination: 60% of charge}

Health management / Healthy lifestyle

Waiting period: 6 months

Benefit limits per 12 months unless otherwise stated

{$150 per person}

Examples of maximum benefits

{Health management: 60% of charge}

Major dental

Waiting period: 12 months

Benefit limits per 12 months unless otherwise stated

{$700 per person}

{combined limit for endodontic & major dental}

Examples of maximum benefits

{Surgical tooth extraction: 60% of charge}

{Full crown veneered: 60% of charge}

Non PBS pharmaceuticals

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

Examples of maximum benefits

{Per eligible prescription: 60% of charge}

Occupational therapy

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$250 per person}

Examples of maximum benefits

{Initial visit: 60% of charge}

{Subsequent visit: 60% of charge}

Optical

Waiting period: 6 months

Benefit limits per 12 months unless otherwise stated

{$250 per person}

Examples of maximum benefits

{Multi-focal lenses & frames: 60% of charge}

{Single vision lenses & frames: 60% of charge}

Orthodontic

Waiting period: 12 months

Benefit limits per 12 months unless otherwise stated

{$500 per person}

{$1,700 lifetime limit}

Examples of maximum benefits

{Braces for upper & lower teeth, including removal plus fitting of retainer: 60% of charge}

Orthotics (podiatric orthoses)

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$250 per person}

{combined limit for orthotics (podiatric orthoses) & podiatry}

Examples of maximum benefits

{Orthotics supply & fit: 60% of charge}

Osteopathy

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$350 per person}

{combined limit for chiropractic & osteopathy}

Examples of maximum benefits

{Initial visit: 60% of charge}

{Subsequent visit: 60% of charge}

Physiotherapy

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

Examples of maximum benefits

{Initial visit: 60% of charge}

{Subsequent visit: 60% of charge}

Podiatry

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$250 per person}

{combined limit for orthotics (podiatric orthoses) & podiatry}

Examples of maximum benefits

{Initial visit: 60% of charge}

{Subsequent visit: 60% of charge}

Psychology

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$300 per person}

Examples of maximum benefits

{Initial visit: 60% of charge}

{Subsequent visit: 60% of charge}

Remedial massage

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$350 per person}

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

{sub-limits apply}

Examples of maximum benefits

{Initial visit: 60% of charge}

{Subsequent visit: 60% of charge}

Speech therapy

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$250 per person}

Examples of maximum benefits

{Initial visit: 60% of charge}

{Subsequent visit: 60% of charge}

Preventative Tests - $150 limit per person per calendar year (waiting period 6 months): 60% back on preventative health test e.g. thin prep, bone density testing, bowel screening (service limits apply). Health aids - $250 limit per person per calendar year (waiting period 12 months): 60% back on health aids e.g. shoulder braces, knee braces, splints, spacer, peak flow meter, nebuliser, Irlen lens (service limits apply). Myotherapy - $350 combined limit with acupuncture, remedial massage and Chinese herbalism per person per calendar year (waiting period 2 months). Healthy Lifestyle includes 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

Ante-natal/Post-natal classes

Audiology

Eye therapy (orthoptics)

Hearing aids

Home nursing

Vaccinations

For further information about this policy see: https://my.nib.com.au/product-collateral/527

Ambulance cover

In VIC this policy provides:

Emergency: Unlimited with a waiting period of 1 day.

Call-out fees: Will be paid for each attendance, including emergency treatment without transport to hospital.

Other features of this ambulance cover: All our health covers include unlimited emergency ambulance (1 day waiting period on all emergency ambulance). Emergency ambulance is when you need immediate transport by a State or Territory ambulance to get to a hospital or other facility for urgent medical treatment. No annual limits for emergency ambulance apply.

For further information about this policy see: https://my.nib.com.au/product-collateral/527

Insurer Details

Real Health Insurance

Real Advanced Extras

$247.97 / month

(Before Rebate, Discount & Loading)

Available in VIC

13 14 63 Sponsor link

Go to site Sponsor link

Real Health Insurance

https://www.nib.com.au

13 14 63

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 https://privatehealth.gov.au/dynamic/Premium/PHIS/NIB/I75/VTIF2D

Real Advanced Extras

Policy ID: NIB/I75/VTIF2D

Extras Cover

Ambulance cover

Insurer Details

Real Health Insurance

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