Inclusions are the types of procedures and services you'll receive benefits for as an admitted patient in a nib Agreement Private Hospital. The higher your level of cover, the more procedures and services you'll have in your inclusions.
Some procedures may be excluded from your cover simply because it helps to keep the cost of your health cover down.
An exclusion means you won't be covered in a public or private hospital and won't receive a payment from nib for that procedure. If you're worried you might need to have a procedure that's listed as excluded, you should think about upgrading to a higher level of nib health cover.
For instance, if your health cover excluded hip or knee replacements and you had to go to hospital for this procedure, you would not be covered for any part of your hospital and medical costs.