100% of the government-recommended fee (known as the 'MBS') for general practitioner (GP) consultations which are not part of a hospital stay. Note: If your GP charges more than the recommended fee, you will be required to pay the difference (known as a 'gap').

85% of the government-recommended fee (MBS) for specialist services including pathology, radiology and other specialists providing treatment which is not part of a hospital stay.

100% of the government-recommended fee (MBS) for medical treatment provided in a hospital including doctors, specialists, pathology and radiology.

The amount set by State and Territory health authorities (referred to as the 'gazetted rate') for services charged to patients who are not Australian residents. If the hospital charges higher than the gazetted rate you may experience significant out of pocket expenses. Includes:

• shared ward accommodation, theatre fees and same day services
• accident and emergency services
• post-operative services and related medical treatments which don't require a hospital stay

100% of the rate nib has established with the hospital through a contract. Includes:

• private or shared room accommodation
• theatre fees and same day services

Note: If you choose to be treated in a private hospital nib does not have a contract with, you will be required to pay any difference between the default benefit and the hospital accommodation cost. Find a nib Agreement Private Hospital .

100% of medically necessary transport provided by a State and Territory Ambulance Service.

Up to $50 per prescription item listed on the Pharmaceutical Benefits Scheme (PBS), after you pay the PBS Patient contribution. You can claim up to $300 per person per calendar year, capped at $600 for families.

Prostheses listed on the Australian Government Prostheses Schedule as "no-gap prostheses". We'll also pay the minimum benefit for prostheses listed as "gap permitted".