(before any rebate or insurer discount)
Covers two adults & dependants (3 or more people, only 2 of whom are adults)
Available in Victoria
# 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 policy covers children and other dependants up to and including the age of 20, students up to and including the age of 30, as well as persons with a disability who qualify as a child or other dependant or student in these age ranges.
Former Employees/Members of organisations with arrangements with this health insurer
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 http://www.guhealth.com.au/my-membership/find-a-provider.
| Treatment | Waiting period (months) | Benefit limits (per 12 months unless otherwise stated) | Examples of maximum benefits |
|---|---|---|---|
| General dental | 0 | $1,200 per person (no limit on preventative dental) (combined limit for general dental, major dental, endodontic & orthodontic) | Periodic oral examination - 70% of charge Scale & clean - 70% of charge Fluoride treatment - 70% of charge Surgical tooth extraction - 70% of charge |
| Major dental | 12 | Full crown veneered - 70% of charge | |
| Endodontic | 12 | Filling of one root canal - 70% of charge | |
| Orthodontic | 12 | Braces for upper & lower teeth, including removal plus fitting of retainer - 70% of charge | |
| Optical* | 6 | $250 per person | Single vision lenses & frames - 100% of charge Multi-focal lenses & frames - 100% of charge |
| Non PBS pharmaceuticals | 0 | $400 per person (combined limit for non pbs pharmaceuticals, podiatry, psychology, blood glucose monitors, dietetics/dietary advice, occupational therapy, orthotics (podiatric orthoses) & speech therapy) | Per eligible prescription - 70% of charge |
| Physiotherapy | 0 | $450 per person (combined limit for physiotherapy, ante-natal/post-natal classes & exercise physiology) | Initial visit - 70% of charge Subsequent visit - 70% of charge |
| Chiropractic | 0 | $450 per person (combined limit for chiropractic & osteopathy) | Initial visit - 70% of charge Subsequent visit - 70% of charge |
| Podiatry | 0 | Combined limit - see Non PBS pharmaceuticals | Initial visit - 70% of charge Subsequent visit - 70% of charge |
| Psychology | 0 | Combined limit - see Non PBS pharmaceuticals | Initial visit - 70% of charge Subsequent visit - 70% of charge |
| Acupuncture | 0 | $400 per person (combined limit for acupuncture, remedial massage & chinese medicine - Sub-limits apply) | Initial visit - 70% of charge Subsequent visit - 70% of charge |
| Remedial massage | 0 | Initial visit - 70% of charge Subsequent visit - 70% of charge | |
| Blood glucose monitors* | 12 | Combined limit - see Non PBS pharmaceuticals | Per monitor - 70% of charge |
| Ante-natal/Post-natal classes | 0 | Combined limit - see Physiotherapy | Initial visit - 70% of charge Subsequent visit - 70% of charge |
| Chinese medicine | 0 | Combined limit - see Acupuncture | Initial visit - 70% of charge Subsequent visit - 70% of charge |
| Dietetics/dietary advice | 0 | Combined limit - see Non PBS pharmaceuticals | Initial visit - 70% of charge Subsequent visit - 70% of charge |
| Exercise physiology | 0 | Combined limit - see Physiotherapy | Initial visit - 70% of charge Subsequent visit - 70% of charge |
| Health management / Healthy lifestyle | 6 | $200 per person | Health management - 70% of charge |
| Occupational therapy | 0 | Combined limit - see Non PBS pharmaceuticals | Initial visit - 70% of charge Subsequent visit - 70% of charge |
| Orthotics (podiatric orthoses)* | 0 | Combined limit - see Non PBS pharmaceuticals | Orthotics supply & fit - 70% of charge |
| Osteopathy | 0 | Combined limit - see Chiropractic | Initial visit - 70% of charge Subsequent visit - 70% of charge |
| Speech therapy | 0 | Combined limit - see Non PBS pharmaceuticals | Initial visit - 70% of charge Subsequent visit - 70% of charge |
| *Service limits apply to Optical, Orthotics, Health aids (includes Blood Glucose Monitors) and Preventative tests. Preventative Tests is combined with Healthier Lifestyle ($200) e.g. thin prep, bone density testing, bowel screening. Healthier Lifestyle includes nib approved weight management, quit smoking and health management programs (gym, personal trainer) and more. Health Aids ($400) e.g. spacer, peak flow meter, nebuliser, Irlen lens. Myotherapy: combined limit of $400 with acupuncture, remedial massage and chinese herbalism. Use nib Rewards to access a range of rewards and discounts on services like groceries, petrol, entertainment, health, wellbeing and more! For Preventative dental service limits apply. | |||
| Hearing aids | Other treatments - check with your insurer |
By choosing an nib First Choice provider it means you could pay less on dental treatment, physiotherapy and optical.
In Victoria 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.