Young at heart - top cover 

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    nib Young at Heart Top Cover

    from $ 34 .02* per week
    for singles
    from $ 68 .04* per week
    for couples
    *(NSW varies from state to state)
    30 Day Moneyback Guarantee
    Join now with Top cover
    Hospital
    Inclusions
    (examples of services covered)
    Waiting Periods
    more info
    Pre-existing Conditions
    12 months
    Immediate treatment after an accident
    1 day
    Heart Surgery
    2 months†
    Major joint replacement
    2 months†
    Knee, hip & shoulder investigations
    2 months†
    Knee and shoulder surgery
    2 months†
    All eye surgery
    2 months†
    Hernia Surgery
    2 months†
    Back surgery
    2 months†
    Digestive disorders
    2 months†
    Colonoscopies and bowel surgery
    2 months†
    Kidney stone & gall stone removal
    2 months†
    Rehabilitation programs
    2 months†
    Renal dialysis
    2 months†
    Psychiatric conditions
    2 months†
    Gastric banding and obesity surgery
    2 months†
    Removal of teeth
    2 months†
    Ambulance cover
    1 day
    Hospital excess options
    Nil excess
    $250 per admission
    (capped at $500 for singles/$1000 for couples, per calendar year)
    $500 per admission
    (capped at $500 for singles/$1000 for couples, per calendar year)
    † A waiting period of 2 months exists unless this condition is pre-existing
    Exclusions
    (The services not covered)
    Infertility investigations
    Assisted reproductive services
    Pregnancy and birth related services
    Procedures not covered by Medicare
    Extras You get 75% back on extras
    up to your annual limit
    Services
    Annual Limit
    (per person per calendar year)
    waiting period
    General dental
    $700
    2 months
    Major dental
    $1200
    12 months
    Optical
    $350
    6 months
    Physiotherapy/Exercise
    Physiology/Chiropractic/
    Osteopathy
    $500
    2 months
    Natural Therapies
    $250
    2 months
    Pharmaceutical Prescriptions
    $600
    2 months
    Hearing Aids/Artificial Aids/Orthotics
    $1000
    2-36 months
    Healthier Lifestyle
    $150
    6 months
    Other Therapies
    $400
    2 months
    That's a total of
    $5,150
    extras value per year
    Important information
    Lifetime Health Cover loadings
    Waiting Periods
    Pre-existing Conditions
    Switching to nib - Continuity of cover
    The Federal Government rebate
    Private system vs Public     Brochures
     seniors health insurance Young at Heart Brochure
     Using your health cover
    Standard Information Statement     Other covers for over 55s
    nib Young at Heart Mid Cover
    Pay your premiums by Direct Debit from your bank, building society, credit union cheque or savings account and we'll give you up to 4% discount off the cost of your premiums (not available for Ambulance Only cover).
    Click here for a health insurance quote
    Detailed Quote
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