Basic Saver for Families - nib Health Funds

from $29.58pw* *(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.

Highlights

Hospital & Extras health insurance package

Get 50% back on Extras. So if your provider charges $200, you'll get $100 back from nib (waiting periods and annual limits apply)

Could help you avoid the Medicare Levy Surcharge
Could help you avoid the Lifetime Health Cover Loading
You don't pay an excess for kids under 21Please be aware waiting periods may apply even if you’re an existing nib customer or transferring from another fund.

More cover

Great value Health Insurance for families on a budget, who need health cover mostly for the kids

Extras

Hospital

	Info	Annual limit*	Waiting period
General & Major Dental	General Dental includes oral examination, scale and clean, basic extractions, fillings. Major dental includes crowns & bridges, implants, orthodontia, oral surgery.	$500 (combined)	2 months(General Dental) & 12 months(Major Dental)
Optical	For example: frames, lenses, contact lenses	$220	6 months
Pharmaceutical Presciptions	Benefits paid once the maximum Pharmaceutical Benefits Scheme (PBS) charge has been deducted. Benefits do not apply to prescriptions dispensed to hospital inpatients	$100	2 months
Natural Therapies/Speech Therapy/Podiatry	Including speech therapy. Consultations only on the following: acupuncture, herbalism, naturopathy, podiatry, homeopathy, nutrition, remedial massage, myotherapy, bowen therapy & shiatsu	$200	2 months
Physiotherapy/Exercise Physiology/Chiropractic	Includes group physiotherapy, group exercise physiology and antenatal classes by a physiotherapist	$300	2 months
What are Extras?		*Per person per calendar year. Total benefit claimable for each service capped at 4 times the annual limit

Inclusions

Exclusions

The ONLY services covered

Minor hernia surgery
Ambulance cover Ambulance cover is not included in health cover for Queensland or Tasmanian residents as ambulance services are provided by State Government schemes.
Accidents
Grommets in ears
Minor eye surgery For example: squints, pterygiums

Removal of adenoids
Removal of appendix
Removal of teeth Including wisdom teeth
Removal of tonsils

Any services not shown as an Inclusion or Exclusion are limited to Public Hospital Benefits.

What is hospital cover? | Waiting periods apply

The services not covered

Assisted reproductive services For example: IVF
Cosmetic surgery To enhance appearance
Gastric banding & obesity surgery
Infertility investigations
Major eye surgery For example: cataracts
Major joint replacement For example: artificial knee/hip
Pregnancy & birth related services
Renal dialysis
Spinal fusion surgery

Hospital excess options

$250 or $500 per admission You don't pay an excess for kids under 21 years of age. Please be aware waiting periods may apply even if you’re an existing nib customer or transferring from another fund.
(capped at $1000 for families per calendar year)

Important information 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 for which your cover will not pay benefits. 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.

Highlights

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