Each product that covers Orthodontia has a starting annual limit. You are able to claim up to this starting annual limit once you have served your 12 month waiting period for Orthodontia.
For each calendar year that you are with nib, the orthodontia annual limit will increase by $100, even if you haven’t had cover for Orthodontia previously. For example, if a customer joins nib on Top Extras which has a starting annual limit of $800, after the 12 month wait has been served the customer is entitled to $900 in their second year with nib and $1000 in their third year and so on and so on.
Each of nib’s products also has a lifetime limit on the Orthodontia benefit which means you can only claim up to this amount whilst you are a customer of nib. Once you reach this lifetime limit you are unable to make any further claims for Orthodontia.
If you pay for your Orthodontia up front or pay a large lump sum during the course of your Orthodontic treatment, you can continue to claim for Orthodontia in the following years; as long as you are still undergoing active Orthodontic treatment (this means you still have braces on).
We will continue to pay your Orthodontic benefits up to your annual limit and the lifetime limits that are applicable to your policy.