mid plus from $18.50 pw (NSW)
Varies from state to state
Suitable for people aged over 40, not planning to have kids, who want more hospital cover. NIB Loyalty Bonus - single - worth $75 per year (up to a maximum of $375) Extras benefits paid as 65% of the cost to you up to the annual limit.
Hospital
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
  • Minor eye surgery (e.g. squints, pterygiums)
  • Heart surgery (e.g. stents, open heart surgery)
  • Rehabilitation programs
  • Renal dialysis
  • Ambulance cover (more info)
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
  • Major eye surgery (e.g. cataracts)
  • Major joint replacement (e.g. artificial knee / hip)
  • Gastric banding & obesity surgery
  • Cosmetic surgery (to enhance appearance)

Restrictions apply:

The following services listed below are limited to Public Hospital Benefits

  • Psychiatric conditions (e.g. depression, eating disorders)

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 $500 for singles per calendar year)		 $500 Xs $500 per admission
(capped at $500 for singles per calendar year)

Extras Benefits (You get 65% 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		 $500 2 months
Major dental
e.g. root canal therapy, gum disease, crowns & bridges, implants, dentures, orthodontia 		$400 12 months
Optical e.g. frames, lenses, contact lenses $200 6 months
Physiotherapy / Exercise Physiology / Chiropractic / Osteopathy $300 2 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 $300 2 months
Psychology no benefits for tests, assessments or couple/group sessions $200 2 months
Healthier Lifestyle nib approved weight management, quit smoking and health management programs, first aid courses, preventative health tests $100 6 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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