hospital plus

nib Health Insurance Image of a couple 
from $57.14pw* *(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
Health Insurance covering young couples for those things that really matter - a high level of private hospital cover plus a great range of Extras like dental and optical.
Extras
Hospital
Info Annual limit* Waiting period
General dental For example: oral examination, scale and clean, fillings, basic extractions.
$500 2 months
Major dental For example: root canal therapy, gum disease, crowns and bridges, implants, dentures, oral surgery, orthodontia.
$600 12 months
Optical For example:frames, lenses, contact lenses.
$250 6 months
Physiotherapy/Chiropractic/Osteopathy/Exercise physiology $350 2 months
Natural therapies (consultations only) Including acupuncture, herbalism, naturopathy, homeopathy, nutrition, remedial massage, myotherapy, bowen therapy & shiatsu. $200 2 months
Healthier lifestyle nib approved weight management, quit smoking and health management programs, first aid courses, preventative health tests.
$150 6 months
Pharmaceutical prescriptions Benefits paid once the maximum PBS charge has been deducted. Benefits do not apply to prescriptions dispensed to hospital inpatients.
$200 2 months
Antenatal & postnatal services (by a midwife in a private practice) 100% back for postnatal services in a private practice, up to your annual limits.
$100 2 months
What are Extras? *Per person per calendar year
Inclusions Exclusions
Examples of services covered
  • Colonoscopies & bowel surgery
  • Kidney stone & gall stone removal
  • Immediate treatment after an accident
  • 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
  • Digestive disorders For example: stomach ulcers
  • Minor eye surgery For example: squints, pterygiums
  • Antenatal classes performed by a midwife or physio in a public & private hospital
  • Ambulance cover Ambulance cover is not included in health cover for Queensland or Tasmanian residents as ambulance services are provided by State Government schemes.
  • 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
  • Rehabilitation programs*
  • Renal dialysis*
  • Major eye surgery* For example: cataracts

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

If you are considering Hospital Plus, please note: During your first 24 months of cover (but after the standard hospital waiting periods have been ser

  • Psychiatric conditions For example: depression, eating disorders, drug & alcohol rehabilitation
    What is hospital cover? | Waiting periods apply
    The services not covered
    • Gastric banding & obesity surgery
    • Spinal fusion surgery
    • 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

     Content Editor Web Part
    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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