Health Insurance

Real Basic Plus Hospital

Compare 285 nib health fund policies. Prices shown for: Single, NSW, Age 30, $500 excess.

Real Health Insurance logo

Real Health Insurance

Real Basic Plus Hospital

$164.89

Excess

Why this cover

Member guide

Hospital Cover
  • Joint Reconstructions
  • Gastrointestinal Endoscopy
  • Gynaecology
  • Miscarriage & Termination
Pricing & Value
Monthly premium from
$139.49
Excess
$500 – $750
Hospital tier
BasicPlus
Average Service Record1.16× average complaint rate · July–September 2025Source: Private Health Insurance Ombudsman (PHIO) Quarterly Report, July–September 2025

Inclusions

Waiting periods recognised

Change your mind within 30 days

We do all the paperwork for you

Get 8 weeks FREE plus skip the 2 & 6 month wait on Extras

Join a new eligible combined Real Health Insurance Hospital & Extras policy by 11:59pm (AEST) 30 April 2026 and receive 8 weeks free (calculated as 56 days of the annual premium). In addition, the 2-month and 6-month waiting periods will be waived for eligible members on all Extras services that normally require those waiting periods. The offer is only available to new members who are Australian citizens, permanent residents of Australia, or those entitled to full reciprocal rights under Medicare, registered for Medicare and listed on an active Medicare card. Not available to existing Real Health Insurance policyholders, existing private health insurance policyholders of a partner brand issued by nib, or previous policyholders who cancelled health insurance with any of these brands 6 months before or during the offer period. The eligible member must maintain the policy until the fulfilment date of 24 June 2026 for policies purchased between 1 April 2026 and 30 April 2026.

Ending 30 Apr 2026

Hospital Cover

7 covered28 not covered
CoveredRestrictedNot Covered
Heart & Vascular
Brain & Nervous System
Eye (Not Cataracts)
Cataracts
Ear, Nose & Throat
Back, Neck & Spine

Extras Cover

Real Health Insurance logo

Real Health Insurance

Real Basic Plus Hospital

$164.89

Excess

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