What is Private Hospital cover?

nib private hospital covers pay benefits toward the cost of treatment in an nib Agreement Private Hospital, non-agreement Private Hospital or any public hospital.

The level of hospital cover you choose determines the types of procedures you're covered for (for example joint replacement, pregnancy or heart surgery). The higher the level of cover, the more procedures you will be covered for.

You should always check what you're covered for before you go to hospital. Call us on 13 16 42.

What's covered when you go to hospital?

Depending on your level of cover, nib's hospital covers pay benefits towards the cost of the following things when provided to an admitted private patient in any nib Agreement Private Hospital or public hospital.

These things are only covered for procedures included in your health cover and out-of-pocket expenses may apply:

  • Medical treatments not requiring surgery, investigative procedures and surgeries
  • Day surgery
  • Overnight accommodation (private room where available)
  • Special care unit accommodation (intensive care, for example)
  • Operating theatre fees
  • Doctors' surgical fees and in-hospital consultations
  • Government approved prosthetic devices
  • Allied health services (such as physiotherapy or occupational therapy)
  • Prescription medication required for specific treatment when in hospital
  • Ward-drugs and sundry medical supplies (like bandages and painkillers)
  • Nursing care
  • Patient meals

Contact us for more information.

OSHC customers

Your nib OSHC product includes Hospital cover which means you'll be able to claim benefits for hospital treatment.

Your nib OSHC hospital cover includes coverage for:

  • Hospital bed
  • Meals
  • Nurses
  • Operating theatre fees
  • Birthing suite
  • Intensive care
  • Doctors' and specialists' services (including tests)
  • Government approved, surgically implanted prosthesis (artifical hip, for example)

You should always check what you're covered for before you go to hospital.

Contact us so we can help you keep any extra expenses to a minimum.