nib Health Insurance

nib extras only Health Insurance

Choose between four different types of extras cover with nib, and get up to 100% back on optical and dental.

We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!

With four kinds of extras cover on offer, nib allows you to only pay for what you need. With almost a million subscribers in New Zealand and Australia, nib can help you pay for those everyday things you need to keep you going.

Top 3 features
  1. Good for 100% back on optical and dental check-ups at nib eye care or dental care centres.
  2. Good for people who may require speech processors. nib's top level of extras cover provides benefits for speech processors in addition to hearing aids, which many extras policies omit.
  3. Good for dental cover. Even nib's most basic extras package includes cover for major dental work, which is usually only provided in higher tiers on other policies.

What extras only plans are available?

nib offers four different extras only plans:

  • Core Extras/Core Extras Boost. Provides a 60% benefit on a basic range of extras. The Boost plan provides the same benefits, but with a higher annual limit.
  • Core and Wellbeing Extras. Provides a 60% benefit on the same range as Core Extras, with things like natural therapies and chiropractic included.
  • Top Extras. Provides a 75% benefit on a full range of services. nib's top-level extras plan.

Other benefits of nib Extras Cover

In addition to the benefits outlined above, nib members have access to the following:

  • 100% optical and dental back. If you visit an nib eye care or dental care centre, you can receive up to 100% back in benefits, up to your annual limit.
  • nib Rewards. Members have access to discounts and offers at 150+ retailers, including savings on things like groceries and gym memberships.
  • nib First Choice Network. By using an nib First Choice Network provider, you'll be able to lower your out-of-pocket costs and likely receive more affordable healthcare.

How do the costs work?

The way that extras operate with nib is simple. When claiming on a service, you'll receive back 60% of the cost from nib (75% with Top Extras), up to your annual limit. When you hit your annual limit for a particular service, you won't be able to claim any more benefits for that service until the following calendar year.

Keep in mind that certain groups of treatments may have sub-limits included, meaning you can only claim that total between the group of services per year, regardless of their individual limits.

Waiting periods and limitations

The waiting periods imposed upon extras claims are as follows:

  • 1 day: For ambulance services.
  • 2 months: For all services, except those in one of the other categories.
  • 6 months: For optical appliances and repairs and healthier lifestyle benefits.
  • 12 months: For specialty dental, removal of wisdom teeth, some dental surgeries by non-specialist doctors, dentures, orthodontics, and artificial aids (excluding orthotics).
  • 36 months: For hearing aids.

How to make a claim

Generally, you'll be able to make a claim on the spot at a provider, simply by swiping your membership card. Otherwise, you can make claims online, using the nib App, or, if necessary, mailing in a claim form.

More guides on Finder

Save on your health insurance

Ask an Expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.

2 Responses

    Default Gravatar
    KatalinAugust 18, 2021

    I don’t see the prices for the extras policies

      Avatarfinder Customer Care
      JamesAugust 23, 2021Staff

      Hi Katalin,

      We aren’t able to show you a fixed price for nib Extras only plans. However, you can request for a quote by visiting nib’s website directly.


Go to site