Mid Plus - Health Cover for Couples

from $42.91 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

Less cover

More cover

Health Insurance suitable for couples aged over 40, not planning to have kids, who want more hospital cover

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 & bridges, implants, dentures, orthodontia, oral surgery.	$600	12 months
Optical	For example: frames, lenses, contact lenses	$250	6 months
Natural Therapies (consultations only)	Including acupuncture, herbalism, naturopathy, homeopathy, nutrition, remedial massage, myotherapy, bowen therapy & shiatsu	$200	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
Healthier Lifestyle	nib approved weight management, quit smoking and health management programs, first aid courses, preventative health tests	$150	6 months
Physiotherapy/Exercise Physiology/Chiropractic/Osteopathy	Includes group physiotherapy, group exercise physiology and antenatal classes by a physiotherapist	$350	2 months
Psychology	No benefits for tests, assessments or couple/group sessions	$200	2 months
What are Extras?		*Per person per calendar year

Inclusions

Exclusions

Examples of services covered

Accidents
Removal of teeth Including wisdom teeth
Removal of tonsils
Removal of appendix
Digestive disorders For example: stomach ulcers
Colonoscopies & bowel surgery
Minor eye surgery For example: squints, pterygiums
Heart surgery For example: stents, open heart 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.
Hernia surgery
Kidney stone & gall stone removal
Knee & shoulder surgery For example: cartilage repair
Knee, hip & shoulder investigations
Rehabilitation programs
Renal dialysis

The following services are limited to Public Hospital Benefits:

Psychiatric conditions For example: depression, eating disorders, drug and alcohol rehabilitation

What is hospital cover? | Waiting periods apply

The services not covered

Pregnancy & birth related services
Assisted reproductive services For example: IVF
Infertility investigations
Major eye surgery For example: cataracts
Major joint replacement For example: artificial knee/hip
Gastric banding & obesity surgery
Cosmetic surgery To enhance appearance
Spinal fusion surgery

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.

Highlights

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