The highest nib hospital only cover for couples, if you want the best health insurance when going to a private hospital.
| 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
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- 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.
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- Cosmetic surgery To enhance appearance
- Antenatal services performed by a midwife or physio in a public & private hospital.
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| 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 of cover (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. |
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- 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?
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- Psychiatric conditions For example: depression, eating disorders
- Gastric banding & obesity surgery
- Rehabilitation programs
- Renal dialysis
- Major eye surgery For example: cataracts
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