(before any rebate, loading or discount)
Covers only one person
Available in Tasmania
Closed to new members
# You may be entitled to an Australian Government rebate on the above premium. Your premium may also include a Lifetime Health Cover loading, an age-based discount or an insurer discount. Check with your insurer for details.
This policy exempts you from the Medicare Levy Surcharge.
This policy provides accident cover - check with your insurer for details.
This policy does not provide benefits for travel or accommodation (outside of hospital).
| Dental surgery | Digestive system | Miscarriage and termination of pregnancy |
| Hernia and appendix | Ear, nose and throat | Pain management |
| Joint reconstructions | Gastrointestinal endoscopy | Palliative care |
| Tonsils, adenoids and grommets | Gynaecology | Plastic and reconstructive surgery (medically necessary) |
| Blood | Heart and vascular system | Podiatric surgery (provided by a registered podiatric surgeon – limited benefits) |
| Bone, joint and muscle | Hospital psychiatric services | Rehabilitation |
| Brain and nervous system | Implantation of hearing devices | Skin |
| Breast surgery (medically necessary) | Kidney and bladder | Sleep studies |
| Chemotherapy, radiotherapy and immunotherapy for cancer | Lung and chest | |
| Diabetes management (excluding insulin pumps) | Male reproductive system |
| Assisted reproductive services | Eye (not cataracts) | Pregnancy and birth |
| Back, neck and spine | Insulin pumps | Weight loss surgery |
| Cataracts | Joint replacements | |
| Dialysis for chronic kidney failure | Pain management with device |
The benefits paid for hospital treatment will depend on the type of cover you purchase and whether your fund has an agreement in place with the hospital in which you are treated. See ‘Agreement Hospitals’ on privatehealth.gov.au for which hospitals have arrangements with your insurer – https://privatehealth.gov.au/dynamic/agreementhospitals.
Under this policy, you may have to pay out-of-pocket costs above what you get from Medicare or your private health insurer. Before you go to hospital, you should ask your doctors, hospital and health insurer about any out-of-pocket costs that may apply to you.
Excess: You will have to pay an excess of $500 per admission. This is limited to a maximum of $500 per year.
Co-payments: No co-payments
Waiting periods:
This provider offers 'known gap' or 'no gap' cover for medical bills for this product.
The Medical Costs Finder lets you find out more about the cost of specialist medical services.
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.
| Treatment | Waiting period (months) | Benefit limits (per 12 months unless otherwise stated) | Examples of maximum benefits |
|---|---|---|---|
| General dental | 2 | $450 per policy (combined limit for general dental & major dental) | Periodic oral examination - 50% of charge Scale & clean - 50% of charge Fluoride treatment - 50% of charge |
| Major dental | 12 | Surgical tooth extraction - 50% of charge | |
| Optical | 6 | $200 per policy | Single vision lenses & frames - 50% of charge Multi-focal lenses & frames - 50% of charge |
| Physiotherapy | 2 | $200 per policy (combined limit for physiotherapy, chiropractic & exercise physiology) | Initial visit - 50% of charge Subsequent visit - 50% of charge |
| Chiropractic | 2 | Initial visit - 50% of charge Subsequent visit - 50% of charge | |
| Acupuncture | 2 | $100 per policy (combined limit for acupuncture, chinese medicine, dietetics/dietary advice & other services) | Initial visit - 50% of charge Subsequent visit - 50% of charge |
| Chinese medicine | 2 | Initial visit - 50% of charge Subsequent visit - 50% of charge | |
| Dietetics/dietary advice | 2 | Initial visit - 50% of charge Subsequent visit - 50% of charge | |
| Exercise physiology | 2 | Combined limit - see Physiotherapy | Initial visit - 50% of charge Subsequent visit - 50% of charge |
| Myotherapy: combined limit of $100 with acupuncture, dietary advice and Chinese herbalism. Waiting periods for dental treatment range between 2 and 12 months. Only select major dental items are covered. Please contact insurer for details. | |||
| Blood glucose monitors | Non PBS pharmaceuticals | Psychology |
| Endodontic | Orthodontic | Remedial massage |
| Hearing aids | Podiatry | Other treatments - check with your insurer |
Of course you can see your choice of provider, but by choosing an nib First Choice provider, you may have less to pay towards the cost of your treatment. We’ve created the nib First Choice network to help you access quality healthcare when you need it most. These health providers will deliver quality care and value for money and a better deal for you and your family. We’ve locked in lower costs with nib First Choice providers, so you can enjoy competitive treatment fees when you visit the dentist or a discount the next time you claim for glasses.
Ambulance cover is provided by the State government for residents of Tasmania. This may include cover whilst interstate, except for South Australia and Queensland where no cover applies. In other states please check with Ambulance Tasmania - https://www.health.tas.gov.au/ambulance/fees_and_accounts.
Emergency ambulance costs are covered by the state government for residents of Tasmania.
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.