How orthodontia works

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.

How to claim your orthodontic treatment through nib

  1. Claim for your Orthodontic benefits via HICAPS. Use the HICAPS terminal at your Orthodontist to swipe your nib card and all you have to pay is the difference. Other claiming options are also available.
  2. If you are considering orthodontic treatment, please contact us so we can discuss your benefits with you. Each different nib policy will deliver a different benefit. You may also have a greater benefit dependent upon the number of years of cover you have had with nib.
  3. Send us a copy of your treatment plan. We can use this to quote you an accurate benefit based on the payments you are required to make and the length of your treatment.

Handy Hints

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.