Young at heart - top cover 

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 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
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