NIB Health Funds

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just extras

Overview

Great range of Extras benefits
Benefits paid as 65% of the cost to you
Ambulance cover (more info)

For those who want total peace of mind by having the best nib cover.

	Annual Limit (per person per calendar year)	Waiting Period

General dental general dental includes oral examination, scale and clean, fillings, extractions and a 12 month waiting period for oral surgery by a specialist	$1000 (General and Major dental combined limit)	2 months
Major dental major dental includes root canal therapy, gum disease, crowns and bridges, implants, dentures		12 Months
Orthodontia e.g. braces (increasing by $100 per policy year to a Lifetime Limit of $1500)	$300	12 months
Optical e.g. frames, lenses, contact lenses	$200	6 months
Natural Therapies including acupuncture, herbalism, naturopathy, homeopathy, nutrition, remedial massage, myotherapy, bowen therapy & shiatsu	$200	2 months
Pharmaceutical Prescriptions benefits paid once the maximum PBS charge has been deducted. Benefits do not apply to prescriptions dispensed to hospital inpatients	$400	2 months
Artificial Aids (Hearing aids excluded) Ask nib about details of specific restrictions and replacements. Waiting periods determined by type of aid	$400	2-12 months
Healthier Lifestyle nib approved weight management, quit smoking, and health management programs, first aid courses, preventative health tests	$100	6 months
Other Therapies including psychology, physiotherapy, exercise physiology, chiropractic, osteopathy, speech therapy, podiatry, eye therapy, dietetics, home nursing, occupational therapy, antenatal classes by a midwife	$500	2 months

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Note: This cover does not include the nib Loyalty Bonus.

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