Check your annual limits on Extras

A benefit is the amount you can claim from nib for a specific service. nib benefits are limited to one benefit per patient, provider and day. For example, if a provider performs both remedial massage and acupuncture for you in one appointment, you’ll be able to make a claim for the service that has the higher benefit, and you’ll need to pay full price for the other service.  

Similarly, where multiple services are performed on the same day at different times by the same provider (e.g. a morning visit followed by an afternoon visit) then only one visit or service is payable. 

For most of our members, limits reset at the start of each calendar year. To check your annual limits, refer to the guide above.

A lifetime limit is the maximum amount you can claim on a specific service in your lifetime, even if you change health insurers. Once you reach this limit you won’t be able to claim on that service again. 

Any benefits you have already claimed with your previous health fund this calendar year will be deducted from your new cover with nib. For example, if you have an annual limit of $1,000 for major dental treatment and you’ve already claimed $400 this calendar year, you’ll still have $600 remaining. 

If you’ve recently made the switch, your private health insurance annual limits will reset on 1 January.