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.

100% of the rate State and Territory health authorities recommend for services charged to a patient who is not an Australian resident. 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 OSHC 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".