Real Insurance – Health Insurance
Real Insurance – Health Insurance
Real Insurance has been helping Australians protect what matters most since 2005, offering a wide range of insurance products including health, life, income protection, funeral, car, pet, travel, home, and more. With Real Health Insurance, you can access flexible cover designed to suit your lifestyle, whether you’re single, a couple, or raising a family.
With four levels of Hospital cover and four levels of Extras cover to choose from, you’re sure to find something to meet your needs and budget. Real Health Insurance offers peace of mind with features like no-gap optical offers1, 100% back on preventative dental check-ups2, up to 70% back on Extras from recognised providers3, and a stress-free online claims process.
Real Insurance understands that your health needs change over time. That’s why there are different levels of Hospital and Extras covers to choose from. Their team also aims to make it easy to switch your level of cover as life evolves – that way you can always rest assured, no matter what life stage you’re at. With Real Health Insurance, you get real value, trusted service, and the confidence of knowing you have cover.
Real Health Insurance
Some of the benefits of choosing Real Health Insurance include:
- Up to 70% back from recognised providers3
- No-gap optical offers with First Choice network, including partners like Specsavers1
- 100% back on preventative dental check-up2
- Emergency ambulance cover with a one-day waiting period4
- Choose between $500 and $750 Hospital excess options5
- Simple online claims process
Some things you should know:
Gold hospital cover is not available through Choosi.
- Claiming optical benefits is subject to your chosen level of Extras cover, relevant waiting periods being served, and sufficient annual limits remaining. Benefits only payable on prescription Optical Appliances. nib Fund Rules and Policy Booklet terms apply.
- Dental benefits are subject to Fund Rules, waiting periods and annual/service limits. A dental check-up includes an examination/consultation (011-015), diagnostics (022, 037), scale and clean (114, 115), plaque removal (111), and fluoride treatment (121) as deemed necessary by the dentist (excludes dentures). The No Gap offer applies only to No Gap First Choice providers, cannot be combined with other offers/government schemes, and is not redeemable for cash.
- Annual limits, waiting periods and T&Cs apply. Benefits are only paid for services from nib recognised providers. A recognised provider is someone who provides a health service, like a dentist, optometrist, remedial massage therapist or physiotherapist who meet the following criteria: (i) They must work in a private practice; and (ii) They must have professional qualifications recognised by nib. To find a provider in nib’s network of healthcare professionals nib.com.au/find-a-provider.
- Not available to: (i) QLD residents who have ambulance services provided by their State ambulance schemes; (ii) TAS residents who are covered under state ambulance schemes in TAS and when travelling in mainland Australia except NSW, SA or QLD; or (iii) pension and health care card holders who have ambulance services provided by State ambulance schemes (check entitlements with Centrelink if unsure).
- Coverage depends on level of cover, policy exclusions, waiting periods, hospital excess and limits. Out-of-pocket expenses may apply.