nib health funds - for all of you

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from $54.99 pw (NSW)
Varies from state to state

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

INCLUSIONS - EXAMPLES of services covered for in hospital...

Accidents (more info)
Removal of teeth (including wisdom teeth)
Knee, hip & shoulder investigations
Knee & shoulder surgery (e.g. repair cartilage)
Removal of tonsils
Removal of appendix
Hernia surgery
Back surgery (e.g. slipped disc)
Digestive disorders (e.g. stomach ulcers)
Colonoscopies & bowel surgery
Kidney stone & gall stone removal
All eye surgery (e.g. cataracts, squints, pterygiums)

Heart surgery (e.g. stents, open heart surgery)
Rehabilitation programs
Renal dialysis
Pregnancy & birth related services
Infertility investigations
Assisted reproductive services (e.g. IVF)
Major joint replacement (e.g. artificial knee / hip)
Psychiatric conditions (e.g. depression, eating disorders)
Gastric banding & obesity surgery
Ambulance cover (more info)

EXCLUSIONS - the service not covered for...

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

	NIL
	$250 per admission (capped at $1000 for families per calendar year)		$500 per admission (capped at $1000 for families per calendar year)

	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	$600	2 months
Major dental e.g. root canal therapy, gum disease, crowns & bridges, implants & dentures	$1000	12 months
Orthodontia e.g. braces (increasing by $100 per membership year to a Lifetime Limit of $2400)	$350	12 months
Optical e.g. frames, lenses, contact lenses	$225	6 months
Physiotherapy / Exercise Physiology / Chiropractic / Osteopathy	$500	2 months
Natural Therapies including acupuncture, herbalism, naturopathy, homeopathy, nutrition, remedial massage, myotherapy, bowen therapy & shiatsu	$250	2 months
Pharmaceutical Prescriptions benefits paid once the maximum PBS charge has been deducted. Benefits do not apply to prescriptions dispensed to hospital inpatients	$500	2 months
Psychology no benefits for tests, assessments or couple/group sessions	$300	2 months
Hearing Aids & Artificial Aids replacement limits apply and waiting periods determined by type of aid, ask NIB	$800	2-36 months
Healthier Lifestyle nib approved weight management, quit smoking and health management programs, first aid courses, preventative health tests	$150	6 months
Other Therapies speech therapy, podiatry, orthoptics (eye therapy), dietetics, home nursing, occupational therapy, antenatal classes by a midwife	$400	2 months

*Total benefit claimable for each service capped at 4 times the annual limit

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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