- Hospital & Extras health insurance package
- Get 65% back on Extras. So if your provider charges $200, you'll get $130 back from nib (waiting periods and annual limits apply)
- Pregnancy excluded
- Could help you avoid the Medicare Levy Surcharge
- Could help you avoid the Lifetime Health Cover Loading
Mid cover private health insurance to cover Young at heart couples over 55.
| Inclusions |
Exclusions |
Inclusions - examples of services covered - Accidents
- Heart surgery*
* Read this if you currently do not have Private Health Insurance
For heart surgery, you must serve the normal 12 month waiting period
You’ll then be limited to Public Hospital Benefits for the next 12 months.
This means after 24 months of joining this cover, you can claim full benefits for Heart surgery e.g. stents, open heart surgery in a private hospital. - Major joint replacement*
*Read this if you currently do not have Private Health Insurance
For major joint replacement, you must serve the normal 12 month waiting period
You’ll then be limited to Public Hospital Benefits for the next 12 months.
This means after 24 months of joining this cover, you can claim full benefits for major joint replacement e.g. artificial knee/hip in a private hospital.
- Knee, hip & shoulder investigations
- Knee & shoulder surgery For example: cartilage repair
- Major eye surgery*
*Read this if you currently do not have Private Health Insurance
For Major eye surgery, you must serve the normal 12 month waiting period
You’ll then be limited to Public Hospital Benefits for the next 12 months.
This means after 24 months of joining this cover, you can claim full benefits for Major eye surgery e.g. cataracts in a private hospital.
- Minor eye surgery
- Hernia surgery
- Back surgery For example: slipped disc
- Digestive disorders For example: stomach ulcers
- Colonoscopies and bowel surgery
- Kidney stone and gall stone removal
- Removal of teeth For example: Wisdom teeth
- Ambulance cover
Benefits are only payable for ambulance services within Australia that are:
- provided by a State or Territory Ambulance Service; and
- defined by the relevant service provider as emergency ambulance transport; or
- where an ambulance is called to attend an emergency but on arriving is no longer required; or
- defined by a treating doctor as medically necessary transport
Ambulance cover is not included in health cover for Queensland or Tasmanian residents as ambulance services are provided by State Government schemes.
Restrictions apply For these services your benefit is limited to Public Hospital Benefits - which covers a stay in a shared ward of a public hospital- Rehabilitation programs
- Psychiatric conditions For example: depression, eating disorders, drug and alcohol rehabilitation
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Exclusions - the services that are not covered - Cosmetic surgery To enhance appearance
- Pregnancy and birth related services
- Infertility investigations
- Assisted reproductive services For example: IVF
- Gastric banding & obesity surgery
- Renal dialysis
- Procedures not covered by Medicare
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| Hospital excess options
$250* or $500*
*(capped at $1000 for couples)
Important information
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 for which your cover will not pay benefits. 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. |
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