An easy way to reduce your out-of-pocket expenses and make the most of your private health cover is to attend an nib Agreement Private Hospital for your procedure.
If you’ve already checked with nib that your procedure is fully covered, the list below shows what you will be covered for as a private patient:
*Depending on if the procedure is included in your level of Hospital cover.
Some services that you may use during a stay in hospital such as drugs, disposable items, paramedical services such as physio and occupational therapy, are covered in most cases, but depending on your procedure some out of pocket expenses may apply.
These are examples only and some other out-of-pockets may apply. You can contact the hospital and have them explain if any out of pocket costs might apply for your specific procedure.
nib does not have agreements with some hospitals. If nib does not have an agreement with the hospital you would like to attend, you could be faced with significant costs for your hospital stay if you choose to proceed with your admission. This may cost you hundreds, or even thousands, of dollars and it can't be claimed back from nib. Please contact the hospital and have them explain the out of pocket costs that will apply for your specific procedure.
If you’ve already chosen your hospital or specialist and know you will have significant out of pocket expense, pleases call us to discuss your options. We have agreements with 70% of private hospitals in Australia so you can significantly reduce your out-of-pocket expenses.