nib Health Funds Ltd.
$1,216.35 / month
Before Rebate, Discount & Loading
Available in VIC
You may be entitled to an Australian Government Rebate on the above premium. Your premium may also include a Lifetime Health Cover Loading, an Age-based Discount or an insurer discount. Check with your insurer for details.
This policy covers: One adult & dependants (2 or more people, only one of whom is an adult).
Children (0 - 17), non-classified* dependant (18 - 20) and students (21 - 30), as well as persons with a disability who qualify as a child, non-classified* dependant and student in these age ranges. *Non-classified dependant: For nib Policies a person who is not a Policy Holder or Partner and who: is aged under 21 years is not married and does not have a defacto Partner; and includes a Foster Child, legally adopted child or stepchild.
The benefits paid for hospital treatment will depend on the type of cover you purchase and whether your fund has an agreement in place with the hospital in which you are treated. See ‘Agreement Hospitals’ on privatehealth.gov.au for which hospitals have arrangements with your insurer – https://privatehealth.gov.au/dynamic/agreementhospitals.
Under this policy, you may have to pay out-of-pocket costs above what you get from Medicare or your private health insurer. Before you go to hospital, you should ask your doctors, hospital and health insurer about any out-of-pocket costs that may apply to you.
Excess: You will have to pay an excess of $750 per admission. This is limited to a maximum of $750 per person per year.
Excess payments do not apply to hospital admissions for dependants.
Co-payments: No co-payments
This provider offers 'known gap' or 'no gap' cover for medical bills for this product. The Medical Costs Finder (https://www.health.gov.au/resources/apps-and-tools/medical-costs-finder) lets you find out more about the cost of specialist medical services.
Our Going to Hospital Pack provides more ways to reduce out-of-pockets, ask us for your copy.
For further information about this policy see: https://my.nib.com.au/product-collateral/2796
By using nib's First Choice providers, you will have lower out-of-pocket costs on many allied health services. A list of "preferred providers" is available from the health insurer. See https://www.nib.com.au/find-a-provider.
$450 per person
combined limit for acupuncture, chinese medicine, remedial massage & other services
$300 per person
$500 per person
combined limit for chiropractic, osteopathy & other services
$700 per person
$1,300 per person
combined limit for endodontic & major dental
$400 per person
$1,000 per person
$200 per person
$1,200 per person
$550 per person
$350 per person
$800 per person
$2,600 lifetime limit
combined limit for orthotics (podiatric orthoses), podiatry & other services
$600 per person
sub-limits apply
Preventative Tests ($200) e.g. thin prep, bone density testing, bowel screening (Service limits apply). Health Aids ($500) e.g. spacer, peak flow meter, nebuliser, Irlen lens. Myotherapy: combined limit of $450 with acupuncture, remedial massage and Chinese herbalism. Sublimit of $250 for Remedial Message. Psychology has a sublimit of $150 for Digital Cognitive Behavioural Therapy (CBT). Healthier Lifestyle ($200) includes nib approved weight management, quit smoking and health management programs (gym, personal trainer) and more. Use nib Rewards to access a range of rewards and discounts on services like groceries, petrol, entertainment, health, wellbeing and more! For Preventative dental service limits apply.
Other features of this general treatment cover: By choosing an nib First Choice provider it means you could pay less on dental treatment, physiotherapy and optical. Service limit apply to Preventative dental, Optical, Orthotics, Hearing Aids & Hearing Aids Repair, Health Aids and Preventative Test.
In VIC this policy provides:
Emergency: Unlimited with a waiting period of 1 day.
Call-out fees: Will be paid for each attendance, including emergency treatment without transport to hospital.
Other features of this ambulance cover: All our health covers include unlimited emergency ambulance (1 day waiting period on all emergency ambulance). Emergency ambulance is when you need immediate transport by a State or Territory ambulance to get to a hospital or other facility for urgent medical treatment. No annual limits for emergency ambulance apply.
https://www.nib.com.au
13 14 63
Disclaimer: This document is not a Private Health Information Statement (PHIS), and it is not intended to replace that document. The details contained in the healthslips.com.au Policy Information was provided by the insurer to the Australian Government. It is intended as general information. It may not take into account your circumstances. For further information contact the insurer. Information used is Licensed from the Commonwealth of Australia under a Creative Commons 3.0 licence.Private Health Information Statement is available from the Private Health Insurance Ombudsman website at privatehealth.gov.au/dynamic/Premium/PHIS/NIB/J115/VWGS1D