For restricted procedures, nib will only pay a benefit called a Public Hospital Benefit. Public Hospital Benefits will cover you in a shared ward of a public hospital, but won’t go anywhere near the cost for a stay in a private room in public hospital (generally around 50% of the cost) or in a private hospital (generally between 5% and 30% of the cost).

nib will only pay for part of the restricted procedure, and you’ll have to pay the difference. You may need a higher level of hospital cover if you think you may need to have a restricted procedure done in the future.

For example, if hip or knee replacements are restricted on your health cover and you go to private hospital for one of these procedures, your health cover only pays a small part of your hospital costs. You’ll have to pay considerable out of pocket expenses towards your treatment.

Browse through our health covers, or call us on 13 14 63 to check if any restrictions apply to your cover.