(before any rebate or insurer discount)
Covers 2 adults (and no-one else)
Available in South Australia
# You may be entitled to an Australian Government rebate on the above premium. Your premium may also include an insurer discount. Check with your insurer for details.
This cover is available to select nib corporate groups.
By using our FirstChoice providers, you may have lower out-of-pocket costs on many allied health services. A list of "preferred providers" is available from the health insurer. See https://www.nib.com.au/find-a-provider.
| Note, for items marked with an asterisk *: Benefit paid after current PBS patient contribution deducted | |||
|---|---|---|---|
| Treatment | Waiting period (months) | Benefit limits (per 12 months unless otherwise stated) | Examples of maximum benefits |
| General dental | 0 | $1,000 per person (combined limit for general dental, major dental, endodontic & orthodontic) | Periodic oral examination - 80% of charge Scale & clean - 80% of charge Fluoride treatment - 80% of charge |
| Major dental | 12 | Surgical tooth extraction - 80% of charge Full crown veneered - 80% of charge | |
| Endodontic | 12 | Filling of one root canal - 80% of charge | |
| Orthodontic | 12 | Braces for upper & lower teeth, including removal plus fitting of retainer - 80% of charge | |
| Optical | 0 | $300 per person | Single vision lenses & frames - 80% of charge Multi-focal lenses & frames - 80% of charge |
| Non PBS pharmaceuticals* | 0 | $400 per person (combined limit for non pbs pharmaceuticals, podiatry, acupuncture, remedial massage, ante-natal/post-natal classes, chinese medicine, dietetics/dietary advice, home nursing & other services) | Per eligible prescription - 80% of charge |
| Physiotherapy | 0 | $400 per person (combined limit for physiotherapy & exercise physiology) | Initial visit - 80% of charge Subsequent visit - 80% of charge |
| Chiropractic | 0 | $400 per person (combined limit for chiropractic & osteopathy) | Initial visit - 80% of charge Subsequent visit - 80% of charge |
| Podiatry | 0 | Combined limit - see Non PBS pharmaceuticals | Initial visit - 80% of charge Subsequent visit - 80% of charge |
| Psychology | 0 | $200 per person (combined limit for psychology, hearing aids, blood glucose monitors, eye therapy (orthoptics), occupational therapy, orthotics (podiatric orthoses), speech therapy & other services) | Initial visit - 80% of charge Subsequent visit - 80% of charge |
| Acupuncture | 0 | Combined limit - see Non PBS pharmaceuticals | Initial visit - 80% of charge Subsequent visit - 80% of charge |
| Remedial massage | 0 | Combined limit - see Non PBS pharmaceuticals | Initial visit - 80% of charge Subsequent visit - 80% of charge |
| Hearing aids | 36 | Combined limit - see Psychology | Hearing aid - 80% of charge |
| Blood glucose monitors | 12 | Combined limit - see Psychology | Per monitor - 80% of charge |
| Ante-natal/Post-natal classes | 0 | Combined limit - see Non PBS pharmaceuticals | Initial visit - 100% of charge Subsequent visit - 100% of charge |
| Chinese medicine | 0 | Combined limit - see Non PBS pharmaceuticals | Initial visit - 80% of charge Subsequent visit - 80% of charge |
| Dietetics/dietary advice | 0 | Combined limit - see Non PBS pharmaceuticals | Initial visit - 80% of charge Subsequent visit - 80% of charge |
| Exercise physiology | 0 | Combined limit - see Physiotherapy | Initial visit - 80% of charge Subsequent visit - 80% of charge |
| Eye therapy (orthoptics) | 0 | Combined limit - see Psychology | Initial visit - 80% of charge Subsequent visit - 80% of charge |
| Health management / Healthy lifestyle | 0 | $150 per person | Health management - 80% of charge |
| Home nursing | 0 | Combined limit - see Non PBS pharmaceuticals | Initial visit - 80% of charge Subsequent visit - 80% of charge |
| Occupational therapy | 0 | Combined limit - see Psychology | Initial visit - 80% of charge Subsequent visit - 80% of charge |
| Orthotics (podiatric orthoses) | 0 | Combined limit - see Psychology | Orthotics supply & fit - 80% of charge |
| Osteopathy | 0 | Combined limit - see Chiropractic | Initial visit - 80% of charge Subsequent visit - 80% of charge |
| Speech therapy | 0 | Combined limit - see Psychology | Initial visit - 80% of charge Subsequent visit - 80% of charge |
| For most extras services on your cover your annual limit will increase by $50 to $100 each new calendar year up to a maximum of four years (depending on which extras service). Natural Therapies - Included in combined therapies limit with home nursing, dietary advice, antenatal and postnatal services, pharmaceuticals and podiatry. Myotherapy - Included with acupuncture, remedial massage and Chinese herbalism as Natural Therapies benefit within combined therapies. Artificial aids/Orthotics/Speech Processor - Included in combined therapies limit with speech therapy, eye therapy, occupational therapy, psychology and hearing aids (service limits apply). Healthy Lifestyle includes approved weight management, quit smoking and health management programs (gym, personal trainer) and more (service limits apply). Psychology has a sublimit of $150 for Digital Cognitive Behavioural Therapy (CBT). | |||
| Other treatments - check with your insurer |
nib's Corporate full range of Extras. Of course, you can see your choice of provider, but by choosing a FirstChoice provider, you may have less to pay towards the cost of your treatment. We’ve created the FirstChoice network to help you access quality healthcare and a better deal for you and your family. We’ve locked in lower costs with our FirstChoice providers, so you can enjoy competitive treatment fees when you visit the dentist or a discount the next time you claim for glasses.
In South Australia this policy provides:
Emergency: Unlimited with a waiting period of 1 day.
Call-out fees: will be paid for each attendance, including emergency treatment without transport to hospital.
All our health covers include unlimited emergency ambulance (1 day waiting period on all emergency ambulance). Emergency ambulance is when you need immediate transport by a State or Territory ambulance to get to a hospital or other facility for urgent medical treatment. No annual limits for emergency ambulance apply.
The information contained in this Private Health Information Statement was provided by the insurer and is intended as general information. It may not take into account your particular circumstances. For information please contact the insurer.
For information on what is covered under each category, see https://www.privatehealth.gov.au/categories
Restricted categories partially cover your hospital costs as a private patient in a public hospital. You may incur significant expenses in a private room or private hospital.
These categories are not covered by this policy.