Details of insurer

Nurses & Midwives Health (NMW)

Nurses & Midwives Health is a not-for-profit health fund exclusively for nursing and midwifery union members and their families.

This information is provided by the insurer

Nurses & Midwives Health provide further information regarding:

Agreement Hospitals

This fund has agreements with some private hospitals or day surgeries to provide services at low or no out-of-pocket costs. You can see Agreement Hospitals for this insurer and further details are available from the insurer.

Business Structure

This insurer is a mutual organisation that operates on a not-for-profit basis.

Nurses & Midwives Health the Australian Capital Territory, New South Wales Northern Territory Queensland South Australia Tasmania Victoria Western Australia

Membership restrictions

Nurses & Midwives Health membership is available to members of eligible nursing and midwifery unions. In addition, family members of union members can join i.e. partner, children, siblings, parents and grandchildren. Please contact the fund for more information.

Performance

The Private Health Insurance Ombudsman prepares an annual report on the service delivery and performance of Australian health insurers. The following is a selection of statistics about this health insurer - the full report and an explanation of these figures is available from the Ombudsman's website. Please note information is not provided for some insurers in some states, as there are insufficient numbers reported to APRA for states in which the insurer does not have a large membership.

Performance	Insurer	Industry
Benefits as a % of contributions	125.6%	86%
Management expenses (% cont)	19.2%	9.1%
Management expenses (average policy)	$763	$350
Surplus	-44.8%	4.9%
Member retention (%)	0%	82%

Coverage	ACT	NSW	VIC	QLD	SA	WA	TAS	NT
Hospital Related Charges Covered	81.4%	90.7%	90.7%	89.1%	92.9%	87.9%	87.7%	84.1%
Industry Result	83.8%	90.4%	92.2%	90.8%	94.6%	93.0%	93.9%	90.2%
Medical Services with No Gaps	78.4%	90.4%	87.9%	91.6%	90.9%	83.3%	77.7%	96.8%
Industry Result	78.5%	88.9%	85.6%	88.4%	87.3%	85.0%	88.6%	84.2%
Medical Services with No or Known Gaps	94.6%	97.6%	97.3%	96.3%	99.5%	96.3%	87.3%	96.8%
Industry Result	91.0%	95.5%	94.7%	94.5%	95.1%	96.4%	96.0%	94.0%
General Treatment (extras) Covered	46.8%	52.7%	50.8%	51.7%	56.4%	51.9%	52.4%	51.2%
Industry Result	48.1%	50.7%	52.4%	54.3%	57.4%	57.5%	54.3%	59.1%
Private Hospital Agreements	5	93	74	52	29	21	5	1
Industry Maximum	9	110	83	61	33	31	8	2
Day Hospital Agreements	8	94	74	46	24	23	4	2
Industry Maximum	6	98	78	57	29	23	5	2

Share of PHIO complaints		Compared to insurer's market share
Benefit Complaints	-	<0.5%
Service Complaints	-
All Complaints	0.1%
Investigations	0%

Nurses & Midwives Health (NMW)

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Performance

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