nib Health Insurance Image of Family 
from $45.61 pw* *(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 65% back on Extras. So if your provider charges $200, you'll get $130 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.
Health Insurance for families who want more cover for things like dental and optical now, and are thinking of having kids in the future
Extras
Hospital
Info Annual limit* Waiting period
General dental For example: oral examination, scale and clean, fillings, extractions, oral surgery (a 12 month waiting period applies for oral surgery by a specialist). $500 2 months
Major dental For example: root canal therapy, gum disease, crowns & bridges, implants, dentures $600 12 months
Orthodontia For example: braces (increasing by $100 per policy year to a Lifetime Limit of $1500) $250 12 months
Optical For example: frames, lenses, contact lenses $250 6 months
Physiotherapy/Exercise Physiology/Chiropractic/Osteopathy Includes group physiotherapy, group exercise physiology and antenatal classes by a physiotherapist $350 2 months
Natural Therapies/Speech Therapy/Podiatry/Orthotics Including acupuncture, herbalism, naturopathy, podiatry (consultations only), orthotics, homeopathy, nutrition, remedial massage, myotherapy, speech therapy, bowen therapy & shiatsu $300 2 months
Pharmaceutical Prescriptions Benefits paid once the maximum Pharmaceutical Benefits Scheme (PBS) charge has been deducted. Benefits do not apply to prescriptions dispensed to hospital inpatients $300 2 months
Psychology No benefits for tests, assessments or couple/group sessions $200 2 months
Healthier Lifestyle nib approved weight management, quit smoking and health management programs, first aid courses, preventative health tests $150 6 months
Antenatal and postnatal services $100 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
Examples of services covered
  • Accidents
  • Removal of teeth Including wisdom teeth
  • Knee, hip & shoulder investigations
  • Knee & shoulder surgery For example: cartilage repair
  • Removal of tonsils
  • Removal of appendix
  • Hernia surgery
  • Grommets in ears
  • Removal of adenoids
  • Minor eye surgery For example: squints, pterygiums
  • Colonoscopies & bowel surgery
  • Digestive disorders For example: stomach ulcers
  • Kidney stone & gall stone removal
  • Back surgery For example: slipped disc
  • Pregnancy & birth related services*

    * Benefit Limitations apply if you currently do not have Private Health Insurance

    If you are considering Family Plus, please note: During your first 24 months (but after the standard hospital waiting periods have been served) pregnancy and birth related services are subject to 'Benefits Limitations'.

    This means that the benefits payable on these services are limited to Public Hospital Benefits only.

     

  • Ambulance cover Ambulance cover is not included in health cover for Queensland or Tasmanian residents as ambulance services are provided by State Government schemes.
  • Antenatal services performed by a midwife or physio in a public & private hospital.

The following services are limited to Public Hospital Benefits:

  • Assisted reproductive services For example: IVF
  • Infertility investigations
  • Heart surgery For example: stents, open heart surgery
  • Renal dialysis
  • Psychiatric conditions For example: depression, eating disorders, drug and alcohol rehabilitation
  • Rehabilitation programs
What is hospital cover? | Waiting periods apply
The services not covered
  • Major eye surgery For example: cataracts
  • Major joint replacement For example: artificial knee/hip
  • Gastric banding & obesity surgery
  • Cosmetic surgery To enhance appearance
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.
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).

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