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    nib Young at Heart Top Cover

    from $31.65pw* for singles and $63.30pw* for couples *(NSW) varies from state to state. Price includes discount of up to 4% for direct debit from cheque or savings account, Federal Government 30% rebate on private health insurance, an excess of $500 per person per calendar year but does not the include Lifetime Health Cover loading. Join now with top cover

    HOSPITAL Inclusions Examples of services covered: Waiting Periods Hospital Exclusions – the services not covered:

    • Pre-existing Conditions12 months

    • Accidents 1 day

    • Heart Surgery

    • Major joint replacement

    • Knee, hip & shoulder investigations

    • Knee and shoulder surgery

    • All eye surgery

    • Hernia Surgery2 months

    • Back surgery unless

    • Digestive disorders pre-existing

    • Colonoscopies and bowel surgery

    • Kidney stone & gall stone removal

    • Rehabilitation programs

    • Renal dialysis

    • Psychiatric conditions

    • Gastric banding and obesity surgery

    • Removal of teeth

    • Ambulance 1 day

     Waiting periods apply What is hospital cover? HOSPITAL excess options
    Choose between nil, $250 or $500, per admission (capped at $500 for singles/$1000 for couples, per calendar year)
    EXTRAS services covered:
    Get 75% back on Extras     Info Extras Annual Limit Waiting Periods

    • 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

    $5,150 Total Extras value per year

    Get a quote for top cover

    • Infertility investigations

    • Assisted reproductive services

    • Pregnancy and birth related services

    • Procedures not covered by Medicare

















    Important information for over 55s 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 insuranceYoung at Heart Brochure
    Using your health cover
    Standard Information Statement
    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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