(before any rebate, loading or discount)
Covers two adults & dependants, including non-student dependants (3 or more people, only 2 of whom are adults)
Available in Northern Territory
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 covers children, students up to and including the age of 30 and non-students up to and including the age of 30, as well as persons with a disability who qualify as a child, student or non-student in these age ranges.
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).
| Blood | Gynaecology | Pregnancy and birth |
| Bone, joint and muscle | Hernia and appendix | Skin |
| Brain and nervous system | Implantation of hearing devices | Sleep studies |
| Breast surgery (medically necessary) | Joint reconstructions | Tonsils, adenoids and grommets |
| Chemotherapy, radiotherapy and immunotherapy for cancer | Kidney and bladder | Assisted reproductive services |
| Dental surgery | Lung and chest | Dialysis for chronic kidney failure |
| Diabetes management (excluding insulin pumps) | Male reproductive system | Heart and vascular system |
| Digestive system | Miscarriage and termination of pregnancy | Hospital psychiatric services |
| Ear, nose and throat | Pain management | Podiatric surgery (provided by a registered podiatric surgeon – limited benefits) |
| Eye (not cataracts) | Palliative care | Rehabilitation |
| Gastrointestinal endoscopy | Plastic and reconstructive surgery (medically necessary) |
| Back, neck and spine | Insulin pumps | Pain management with device |
| Cataracts | Joint replacements | Weight loss surgery |
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 $750 per admission. This is limited to a maximum of $1500 per year.
Excess payments do not apply to hospital admissions for dependants.
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.
| 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 | 2 | $500 per person up to $2,000 per policy | Periodic oral examination - 65% of charge Scale & clean - 65% of charge Fluoride treatment - 65% of charge |
| Major dental | 12 | $600 per person up to $2,400 per policy (combined limit for major dental & endodontic) | Surgical tooth extraction - 65% of charge Full crown veneered - 65% of charge |
| Endodontic | 12 | Filling of one root canal - 65% of charge | |
| Orthodontic | 12 | $300 per person up to $1,200 per policy $1,500 lifetime limit | Braces for upper & lower teeth, including removal plus fitting of retainer - 65% of charge |
| Optical | 6 | $250 per person up to $1,000 per policy | Single vision lenses & frames - 65% of charge Multi-focal lenses & frames - 65% of charge |
| Non PBS pharmaceuticals* | 2 | $300 per person up to $1,200 per policy | Per eligible prescription - 65% of charge |
| Physiotherapy | 2 | $350 per person up to $1,400 per policy (combined limit for physiotherapy, chiropractic, exercise physiology, osteopathy & other services) | Initial visit - 65% of charge Subsequent visit - 65% of charge |
| Chiropractic | 2 | Initial visit - 65% of charge Subsequent visit - 65% of charge | |
| Podiatry | 2 | $300 per person up to $1,200 per policy (combined limit for podiatry, acupuncture, remedial massage, chinese medicine, dietetics/dietary advice, orthotics (podiatric orthoses), speech therapy & other services - Sub-limits apply) | Initial visit - 65% of charge Subsequent visit - 65% of charge |
| Psychology | 2 | $200 per person up to $800 per policy | Initial visit - 65% of charge Subsequent visit - 65% of charge |
| Acupuncture | 2 | Combined limit - see Podiatry | Initial visit - 65% of charge Subsequent visit - 65% of charge |
| Remedial massage | 2 | Combined limit - see Podiatry | Initial visit - 65% of charge Subsequent visit - 65% of charge |
| Ante-natal/Post-natal classes | 2 | $100 per person up to $400 per policy | Initial visit - 100% of charge Subsequent visit - 100% of charge |
| Chinese medicine | 2 | Combined limit - see Podiatry | Initial visit - 65% of charge Subsequent visit - 65% of charge |
| Dietetics/dietary advice | 2 | Combined limit - see Podiatry | Initial visit - 65% of charge Subsequent visit - 65% of charge |
| Exercise physiology | 2 | Combined limit - see Physiotherapy | Initial visit - 65% of charge Subsequent visit - 65% of charge |
| Health management / Healthy lifestyle | 2 | $150 per person up to $600 per policy | Health management - 65% of charge |
| Orthotics (podiatric orthoses) | 2 | Combined limit - see Podiatry | Orthotics supply & fit - 65% of charge |
| Osteopathy | 2 | Combined limit - see Physiotherapy | Initial visit - 65% of charge Subsequent visit - 65% of charge |
| Speech therapy | 2 | Combined limit - see Podiatry | Initial visit - 65% of charge Subsequent visit - 65% of charge |
| Myotherapy: combined limit of $300 with acupuncture, Chinese herbalism, dietary advice, orthotics, podiatry, remedial massage ($150 sub-limit) and speech pathology. Healthier Lifestyle includes nib approved weight management, quit smoking and health management programs (gym, personal trainer). Psychology has a sublimit of $150 for Digital Cognitive Behavioural Therapy (CBT). Non-PBS pharmaceuticals have a sub limit of $150 for Weight Management Medication. ---------------------------------------------------------------------------------------------------------------------------------------------------------------- Save on the everyday and more: get access to a range of exciting rewards and discounts on things like groceries, petrol, entertainment, health, wellbeing and more! nib Rewards is our way of helping you live a fun, healthy and rewarding life. | |||
| Blood glucose monitors | Hearing aids | Other treatments - check with your insurer |
For those who were wanting more cover for things like dental and optical, and were wanting to have kids in the future. 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 Northern Territory 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.