basic saver

nib Health Insurance Image of Couple 
from $19.90 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 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
 
More cover 
Health Insurance covering young couples for those things that really matter - Basic Hospital, Ambulance and Extras
Extras
Hospital
Info Annual limit* Waiting period
General dental For example: oral examination, scale and clean, fillings, extractions. A 12 month waiting period for oral surgery by a specialist applies. $450 2 months
Optical For example: frames, lenses, contact lenses $200 6 months
Physiotherapy/Exercise Physiology/Chiropractic Includes group physiotherapy, group exercise physiology and antenatal classes by a physiotherapist $200 2 months
Natural Therapies Including acupuncture, herbalism, naturopathy, homeopathy, nutrition, remedial massage, myotherapy, bowen therapy & shiatsu $100 2 months
What are Extras? *Per person per calendar year
Inclusions Exclusions
The ONLY services covered
  • Accidents
  • Removal of teeth Including wisdom teeth
  • Minor knee, hip & shoulder investigations
  • Removal of tonsils
  • Removal of appendix
  • 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.
Restrictions apply 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
      • Pregnancy & birth related services
      • Assisted reproductive services For example: IVF
      • Infertility investigations
      • All eye surgery For example: cataracts, pterygiums, squints
      • Major joint replacement For example: artificial knee/hip
      • Gastric banding & obesity surgery
      • Renal dialysis
      • Cosmetic surgery To enhance appearance
      Hospital excess options

      $250 or $500 per admission
      (capped at $1000 for couples 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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