nib Health Insurance Image of Girl 
from $11.95 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
 
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Health Insurance covering young people for those things that really matter - Basic Hospital, Ambulance and Extras
Extras
Hospital
Info Annual limit* Waiting period
General dental (includes oral surgery) For example: oral examination, scale and clean, fillings, basic extractions, oral surgery (a 12 month waiting period applies for oral surgery). $450 2 months
Physiotherapy / Exercise Physiology / Chiropractic Includes group physiotherapy, group exercise physiology and antenatal classes by a physiotherapist $200 2 months
Natural Therapies (consultations only) Including acupuncture, herbalism, naturopathy, homeopathy, nutrition, remedial massage, myotherapy, bowen therapy & shiatsu $100 2 months
Optical For example: frames, lenses, contact lenses $200 6 months
What are Extras? *Per person per calendar year
Inclusions Exclusions
The ONLY services covered
  • Minor knee, hip & shoulder investigations
  • Minor hernia surgery
  • Accidents
  • Ambulance cover Ambulance cover is not included in health cover for Queensland or Tasmanian residents as ambulance services are provided by State Government schemes.
  • Removal of appendix
  • Removal of teeth Including wisdom teeth
  • Removal of tonsils

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
      • All eye surgery For example: cataracts, pterygiums, squints
      • Assisted reproductive services For example: IVF
      • Cosmetic surgery To enhance appearance
      • Gastric banding & obesity surgery
      • Infertility investigations
      • Major joint replacement For example: artificial knee/hip
      • Pregnancy & birth related services
      • Renal dialysis
      • Spinal fusion surgery
      Hospital excess options

      $250 or $500 per admission
      (capped at $500 for singles 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
      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 include the Lifetime Health Cover loading.

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