Health Insurance

Real Lifestyle Extras

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

Real Health Insurance logo

Real Health Insurance

Real Lifestyle Extras

$122.00

Dental included

Optical included

Physio included

Psychology included

Emergency ambulance covered

Excess

Why this cover

Member guide

Extras Cover
  • Dental
  • Optical
  • Physiotherapy
  • Chiropractic
Pricing & Value
Monthly premium from
$122.00
Excess
$0
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 fulfilled on 24 June 2026 for policies purchased between 1 April 2026 and 30 April 2026, and is forfeited if the member is not an active policyholder on that date. Longer waiting periods may apply for some services.

Ending 30 Apr 2026

Hospital Cover

Extras Cover

15 covered12 not covered
Endodontic
$600/person1 yr
Root Canal Therapy: 60% back
General Dental
$600/person2 mo
Periodic Exam: 60% backScale & Clean: 60% backFluoride: 60% back
Major Dental
$600/person1 yr
Extraction: 60% backFull Crown (Veneered): 60% back
Orthodontic
-
Optical
$250/person6 mo
Single Vision Lenses: 60% backMulti-Focal Lenses: 60% back
Orthoptics
-
Acupuncture
$300/person2 mo
1st visit: 60% backNext visit: 60% back
Chinese Herbal Medicine
$300/person2 mo
1st visit: 60% backNext visit: 60% back
Chiropractic
$300/person2 mo
1st visit: 60% backNext visit: 60% back
Exercise Physiology
$200/person2 mo
1st visit: 60% backNext visit: 60% back
Osteopathy
$300/person2 mo
1st visit: 60% backNext visit: 60% back
Physiotherapy
$400/person2 mo
1st visit: 60% backNext visit: 60% back
Psychology
$300/person2 mo
1st visit: 60% backNext visit: 60% back
Remedial Massage
$300/person2 mo
1st visit: 60% backNext visit: 60% back
Occupational Therapy
-
Speech Therapy
-
Dietetics
$300/person2 mo
1st visit: 60% backNext visit: 60% back
Antenatal/Postnatal
-
Audiology
-
Hearing Aids
-
Home Nursing
-
Orthotics
-
Podiatry
-
Glucose Monitor
$250/person1 yr
Glucose Monitor: 60% back
Health Management
$150/person6 mo
Health Management: 60% back
Non-PBS Pharmaceuticals
-
Vaccinations
-
Real Health Insurance logo

Real Health Insurance

Real Lifestyle Extras

$122.00

Dental included

Optical included

Physio included

Psychology included

Emergency ambulance covered

Excess

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