(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 Queensland
# 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 cover is available to select nib corporate groups.
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).
| Assisted reproductive services | Eye (not cataracts) | Miscarriage and termination of pregnancy |
| Back, neck and spine | Gastrointestinal endoscopy | Pain management |
| Blood | Gynaecology | Pain management with device |
| Bone, joint and muscle | Heart and vascular system | Palliative care |
| Brain and nervous system | Hernia and appendix | Plastic and reconstructive surgery (medically necessary) |
| Breast surgery (medically necessary) | Hospital psychiatric services | Podiatric surgery (provided by a registered podiatric surgeon – limited benefits) |
| Cataracts | Implantation of hearing devices | Pregnancy and birth |
| Chemotherapy, radiotherapy and immunotherapy for cancer | Insulin pumps | Rehabilitation |
| Dental surgery | Joint reconstructions | Skin |
| Diabetes management (excluding insulin pumps) | Joint replacements | Sleep studies |
| Dialysis for chronic kidney failure | Kidney and bladder | Tonsils, adenoids and grommets |
| Digestive system | Lung and chest | Weight loss surgery |
| Ear, nose and throat | Male reproductive system |
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 $250 per admission. This is limited to a maximum of $1000 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.
Our Going to Hospital Pack provides more ways to reduce out-of-pockets, ask us for your copy.
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 | $700 per person up to $2,800 per policy | Periodic oral examination - 85% of charge Scale & clean - 85% of charge Fluoride treatment - 85% of charge |
| Major dental | 12 | $1,300 per person up to $5,200 per policy (combined limit for major dental & endodontic) | Surgical tooth extraction - 85% of charge Full crown veneered - 85% of charge |
| Endodontic | 12 | Filling of one root canal - 85% of charge | |
| Orthodontic | 12 | $500 per person up to $2,000 per policy $2,800 lifetime limit | Braces for upper & lower teeth, including removal plus fitting of retainer - 85% of charge |
| Optical | 6 | $400 per person up to $1,600 per policy | Single vision lenses & frames - 85% of charge Multi-focal lenses & frames - 85% of charge |
| Non PBS pharmaceuticals* | 2 | $500 per person up to $2,000 per policy | Per eligible prescription - 85% of charge |
| Physiotherapy | 2 | $650 per person up to $2,600 per policy (combined limit for physiotherapy, chiropractic, exercise physiology & osteopathy) | Initial visit - 85% of charge Subsequent visit - 85% of charge |
| Chiropractic | 2 | Initial visit - 85% of charge Subsequent visit - 85% of charge | |
| Podiatry | 2 | $450 per person up to $1,800 per policy (combined limit for podiatry, ante-natal/post-natal classes, dietetics/dietary advice, eye therapy (orthoptics), home nursing, occupational therapy, speech therapy & other services) | Initial visit - 85% of charge Subsequent visit - 85% of charge |
| Psychology | 2 | $300 per person up to $1,200 per policy | Initial visit - 85% of charge Subsequent visit - 85% of charge |
| Acupuncture | 2 | $300 per person up to $1,200 per policy (combined limit for acupuncture, remedial massage, chinese medicine & other services) | Initial visit - 85% of charge Subsequent visit - 85% of charge |
| Remedial massage | 2 | Initial visit - 85% of charge Subsequent visit - 85% of charge | |
| Hearing aids | 36 | $800 per person up to $3,200 per policy (combined limit for hearing aids, blood glucose monitors, orthotics (podiatric orthoses) & other services - Sub-limits apply) | Hearing aid - 85% of charge |
| Blood glucose monitors | 12 | Per monitor - 85% of charge | |
| Ante-natal/Post-natal classes | 2 | Combined limit - see Podiatry | Initial visit - 85% of charge Subsequent visit - 85% of charge |
| Chinese medicine | 2 | Combined limit - see Acupuncture | Initial visit - 85% of charge Subsequent visit - 85% of charge |
| Dietetics/dietary advice | 2 | Combined limit - see Podiatry | Initial visit - 85% of charge Subsequent visit - 85% of charge |
| Exercise physiology | 2 | Combined limit - see Physiotherapy | Initial visit - 85% of charge Subsequent visit - 85% of charge |
| Eye therapy (orthoptics) | 2 | Combined limit - see Podiatry | Initial visit - 85% of charge Subsequent visit - 85% of charge |
| Health management / Healthy lifestyle | 6 | $250 per person up to $1,000 per policy | Health management - 85% of charge |
| Home nursing | 2 | Combined limit - see Podiatry | Initial visit - 85% of charge Subsequent visit - 85% of charge |
| Occupational therapy | 2 | Combined limit - see Podiatry | Initial visit - 85% of charge Subsequent visit - 85% of charge |
| Orthotics (podiatric orthoses) | 2 | Combined limit - see Hearing aids | Orthotics supply & fit - 85% of charge |
| Osteopathy | 2 | Combined limit - see Physiotherapy | Initial visit - 85% of charge Subsequent visit - 85% of charge |
| Speech therapy | 2 | Combined limit - see Podiatry | Initial visit - 85% of charge Subsequent visit - 85% of charge |
| Other Therapies ($450) includes antenatal services, dietary advice, eye therapy, home nursing, occupational therapy, podiatry and speech pathology. Hearing aids / Artificial aids / Orthotics ($800) e.g. spacer, peak flow meter, nebuliser, Irlen lens. Myotherapy: combined limit of $250 with acupuncture, remedial massage and chinese herbalism. 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). ---------------------------------------------------------------------------------------------------------------------------------------------------------------- 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. | |||
| Other treatments - check with your insurer |
nib's highest level hospital cover with Extras paid back as 85% of the cost. 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.
Ambulance cover is provided by the State government for Queensland residents (https://www.ambulance.qld.gov.au/). This includes cover whilst interstate.
Emergency ambulance costs are covered by the state government for residents of Queensland.
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.