Nurses & Midwives Health (NMW)
Nurses & Midwives Health is a not-for-profit health fund exclusively for nursing and midwifery union members and their families.
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% |
Sydney
NSW 2000