basic saver from $19.90 pw (NSW)
Varies from state to state
Covers you both for those things that really matter. NIB Loyalty Bonus - couples - worth $100 per year (up to a maximum of $500) Extras benefits paid as 50% of the cost to you up to the annual limit.
Hospital
INCLUSIONS - the ONLY services covered for in hospital...
  • Accidents (more info)
  • Removal of teeth (including wisdom teeth)
  • Minor knee, hip & shoulder investigations
  • Removal of tonsils
  • Removal of appendix
  • Minor hernia surgery
  • Ambulance cover (more info)


Restrictions apply:
Any services not shown as an Inclusion or Exclusion are limited to Public Hospital Benefits
EXCLUSIONS - the services not covered for...

Why pay for procedures or services you don't want? Or, if they are important, check our other covers.

  • Pregnancy & birth related services
  • Assisted reproductive services (e.g. IVF)
  • Infertility investigations
  • All eye surgery (e.g. cataracts, pterygiums, squints)
  • Major joint replacement (e.g. artificial knee / hip)
  • Gastric banding & obesity surgery
  • Renal dialysis
  • Cosmetic surgery (to enhance appearance)

Note: The hospital services shown are examples only and intended to be used as a guide. Please be aware that some procedures may not be covered. You should always check with nib before you go to hospital to find out if you've got the cover you need. In some cases there may also be some drugs and surgical items which your cover will not pay benefits for. Please be aware waiting periods may apply for hospital and Extras services for this cover - even if you're an existing nib customer or transferring from another fund. Find out more about hospital cover.
Hospital Excess Options
$250 Xs $250 per admission
(capped at $1000 for couples per calendar year)		 $500 Xs $500 per admission
(capped at $1000 for couples per calendar year)

Extras Benefits (You get 50% of the cost back) Annual Limit
(per person per calendar year)		 Waiting Period
General dental
e.g. oral examination, scale and clean, fillings, extractions and a 12 month waiting period for oral surgery by a specialist		 $400 2 months
Optical e.g. frames, lenses, contact lenses $150 6 months
Physiotherapy / Exercise Physiology / Chiropractic $200 2 months
Natural Therapies including acupuncture, herbalism, naturopathy, homeopathy, nutrition, remedial massage, myotherapy, bowen therapy & shiatsu $100 2 months

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The prices displayed on this site are intended as a guide only. They are quotes for a NSW member, include a discount of up to 4% for direct debit from a cheque or savings account, Federal Government 30% Rebate on Private Health Insurance, excluding Lifetime Health Cover loading and an excess of $500 per admission. Your actual contribution rate may vary. A Standard Information Statement is available for this product. To view the statement click here.
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