Pricing for a couple in NSW, under 65
Premium calculated for the profile shown, before the government rebate.
Real Top Extras pricing by household
Monthly premiums in NSW for an adult under 65, before the government rebate. Every household this policy is sold to is listed.
| Excess | Single | Couple | Family | Single parent |
|---|---|---|---|---|
| $0 | $149.05/month | $295.12/month | $318.96/month | $275.74/month |
Single pricing in NSW
| Excess | Weekly | Monthly | Yearly |
|---|---|---|---|
| $0 | $34.30 | $149.05 | $1,788.60 |
Couple pricing in NSW
| Excess | Weekly | Monthly | Yearly |
|---|---|---|---|
| $0 | $67.92 | $295.12 | $3,541.44 |
Family pricing in NSW
| Excess | Weekly | Monthly | Yearly |
|---|---|---|---|
| $0 | $73.40 | $318.96 | $3,827.52 |
Single parent pricing in NSW
| Excess | Weekly | Monthly | Yearly |
|---|---|---|---|
| $0 | $63.46 | $275.74 | $3,308.88 |
Extras Coverage — Top Level
Annual limits and benefits shown below.
| Service | Annual limit | Benefit | Waiting period | Details |
|---|---|---|---|---|
| General dental | $1,000 | 70% | 2 months | |
| Major dental | $1,000 | 70% | 12 months | |
| Endodontic | – | 70% | 12 months | |
| Orthodontic | $800 | 70% | 12 months | |
| Optical | $300 | 70% | 6 months | |
| Physiotherapy | $500 | 70% | 2 months | |
| Chiropractic | $400 | 70% | 2 months | |
| Psychology | $400 | 70% | 2 months | |
| Podiatry | $400 | 70% | 2 months | |
| Osteopathy | – | 70% | 2 months | |
| Acupuncture | $400 | 70% | 2 months | |
| Remedial massage | – | 70% | 2 months | |
| Dietetics | $350 | 70% | 2 months | |
| Speech therapy | $300 | 70% | 2 months | |
| Occupational therapy | $300 | 70% | 2 months | |
| Exercise physiology | $300 | 70% | 2 months | |
| Hearing aids | $1,200 | 70% | 36 months | |
| Orthotics | – | 70% | 2 months | |
| Non-PBS pharmaceuticals | $500 | 70% | 2 months | |
| Chinese herbal medicine | – | 70% | 2 months | |
| Health management | $200 | 70% | 6 months | |
| Home nursing | $200 | 70% | 2 months | |
| Antenatal & postnatal | $250 | 100% | 2 months | |
| Glucose monitor | $400 | 70% | 12 months | |
| Orthoptics | $200 | 70% | 2 months |
Policy Features
See which additional policy features are included, not included, or subject to conditions such as waiting periods or loyalty rules.
Compare with Similar Policies
Premiums shown for your current profile — adjust in Live Mode panel to see all values update.
About Insurer
Real Health Insurance is a for-profit health insurer based in NSW. They offer 36 policies across hospital, extras, and combined cover.
Real Health Insurance is a health-cover brand underwritten by nib Health Funds. It offers hospital, extras and combined policies under the Real Insurance brand.
View all insurer policiesRelated policies
Open a policy to review its benefits, eligibility and available household options.
Real Health Insurance
Real Advanced Extras
- Cover
- Extras
- Available in
- National
- Households
- Single, Couple, Family, Single parent
Real Health Insurance
Real Lifestyle Extras
- Cover
- Extras
- Available in
- National
- Households
- Single, Couple, Family, Single parent
Real Health Insurance
Real Starter Extras
- Cover
- Extras
- Available in
- National
- Households
- Single, Couple, Family, Single parent
ACA Health Benefits Fund
Complete Ancillary
- Cover
- Extras
- Available in
- National
- Households
- Single, Couple, Family, Single parent
Important Information
This page provides a summary of Real Top Extras by Real Health Insurance based on data from PrivateHealth.gov.au. It is general information only and may not reflect the most current policy terms.
Before purchasing this policy:
- Read the full Product Disclosure Statement (PDS) available from Real Health Insurance
- Confirm current pricing directly with the insurer — prices shown are indicative only
- Check hospital agreements in your area
- Consider whether the coverage meets your specific health needs
- Ask about any gap cover arrangements
Data last updated 10 September 2026 from PrivateHealth.gov.au. We may receive a commission if you purchase through links on this page. We are not affiliated with or endorsed by Real Health Insurance.
Frequently Asked Questions
Biggest range. Biggest savings.
- 132,537 policies.
- 49 funds.
- Free.
- Always.
No registration · No paywall · Last updated 10 September 2026 · Data compiled and powered by Convincely
I need cover for...