Agreement Private Hospitals

Depending on if you go to a public hospital, private hospital, or a private hospital where NIB has contractual arrangements (NIB Agreement Hospital), the amount of out-of-pocket expenses will vary.

If you choose a public hospital or an NIB agreement private hospital, you shouldn't have to pay out of pocket expenses for the following hospital-related services:

• Accommodation (room / bed) costs in a private or public hospital
• Meals for patients
• Use of theatre for your procedure
• Labour ward if you're having a baby (depending on your cover)
• Nurses
• Intensive care (depending on your cover)
• Surgically implanted prosthetics that are government-approved and are on the no 'gap' list (ask your doctor or hospital for more information)

Note: Some NIB covers only cover you for the above if you're admitted as a patient in a shared ward at a public hospital.

But, if you go to a private hospital that does not have an arrangement with NIB, you'll have to pay a lot more towards the cost of your hospital stay, which can get pricey.