just hospital

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The best just hospital health insurance package for families to cover going to a private hospital.

Highlights

  • Hospital only health insurance package

  • 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.

 

Examples of services covered The services not covered
  • Accidents
  • 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
  • Back surgery For example: slipped disc
  • Digestive disorders For example: stomach ulcers
  • Colonoscopies & bowel surgery
  • Kidney stone & gall stone removal
  • Minor eye surgery For example: squints, pterygiums
  • Ambulance cover  Ambulance cover is not included in health cover for Queensland or Tasmanian residents as ambulance services are provided by State Government schemes.
  •  Cosmetic surgery To enhance appearance
  • Antenatal services performed by a midwife or physio in a public & private hospital.
Benefit Limitations apply if you currently do not have Private Health Insurance. If you are considering Just Hospital, please note: During your first 24 months (but after the standard hospital waiting periods have been served) the services below are subject to ‘Benefit Limitations’. This means that the benefits payable on these services are limited to Public Hospital Benefits only.
  • Pregnancy & birth related services
  • Assisted reproductive services For example: IVF
  • Infertility investigations
  • Heart surgery For example: stents, open heart surgery
  • Major joint replacement For example: artificial knee/hip


Waiting periods apply
What is hospital cover?
  • Psychiatric conditions For example: depression, eating disorders
  • Gastric banding & obesity surgery
  • Rehabilitation programs
  • Renal dialysis
  • Major eye surgery For example: cataracts
  
   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.
                  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.
                                               
                                                *(capped at $1000 for families per calendar year)
Standard Information Statement
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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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