Health Insurance

Real Starter Extras

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

Real Health Insurance logo

Real Health Insurance

Real Starter Extras

$51.10

60% back on general dental

60% back on optical

60% back on physiotherapy

60% back on chiropractic

Emergency ambulance covered

Excess

Why this cover

Member guide

Extras Cover
  • Dental
  • Optical
  • Physiotherapy
  • Chiropractic
Pricing & Value
Monthly premium from
$51.10
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

8 covered19 not covered
Endodontic
$800/policy1 yr
Root Canal Therapy: 60% back
General Dental
$800/policy2 mo
Periodic Exam: 60% backScale & Clean: 60% backFluoride: 60% back
Major Dental
$800/policy1 yr
Extraction: 60% backFull Crown (Veneered): 60% back
Orthodontic
-
Optical
$200/policy6 mo
Single Vision Lenses: 60% backMulti-Focal Lenses: 60% back
Orthoptics
-
Chiropractic
$300/policy2 mo
1st visit: 60% backNext visit: 60% back
Osteopathy
$300/policy2 mo
1st visit: 60% backNext visit: 60% back
Physiotherapy
$300/policy2 mo
1st visit: 60% backNext visit: 60% back
Remedial Massage
$150/policy2 mo
1st visit: 60% backNext visit: 60% back
Acupuncture
-
Chinese Herbal Medicine
-
Exercise Physiology
-
Occupational Therapy
-
Psychology
-
Speech Therapy
-
Real Health Insurance logo

Real Health Insurance

Real Starter Extras

$51.10

60% back on general dental

60% back on optical

60% back on physiotherapy

60% back on chiropractic

Emergency ambulance covered

Excess

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