nib Health Funds Ltd.
$914.42 / month
Before Rebate, Discount & Loading
Available in NT
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: Two adults & dependants (3 or more people, only 2 of whom are adults).
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.
Corporate policy: This cover is available to select nib corporate groups.
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: No excess
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/27
By using our FirstChoice providers, you may 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.
Note, for treatments marked with * : Benefit paid after current PBS patient contribution deducted
$170 per single policy $340 per couple/family policy
combined limit for acupuncture, chinese medicine & remedial massage
$700 per person
combined limit for ante-natal/post-natal classes, exercise physiology & physiotherapy
$500 per person
combined limit for blood glucose monitors, orthotics (podiatric orthoses) & other services
$300 per person
combined limit for chiropractic & osteopathy
$200 per person
General dental/Oral surgery/Restorative services $500 Endodontia/Periodontia $500 Prosthetic dental - crowns and bridges/dentures $750; Service Limits Apply
combined limit for endodontic, general dental & major dental
$100 per single policy $200 per couple/family policy
$650 per person
$600 per person
$225 per person
$250 per person
Artificial aids / Orthotics / Speech processor ($500 limit per person per calendar year) e.g. spacer, peak flow meter, nebuliser, blood glucose monitor, Irlen lens (service limits apply). Myotherapy: combined with acupuncture, remedial massage and Chinese herbalism. Healthier Lifestyle includes nib approved weight management, quit smoking and health management programs (gym memberships) and more. Waiting periods for dental treatment range between 2 and 12 months. No Benefit for Post-natal classes Psychology has a sublimit of $150 for Digital Cognitive Behavioural Therapy (CBT).
Other features of this general treatment cover: Comprehensive hospital cover with a range of Extras with benefits up to 85%. Of course, you can see your choice of provider, but by choosing a FirstChoice provider, you may have less to pay towards the cost of your treatment. We’ve created the FirstChoice network to help you access quality healthcare and a better deal for you and your family. We’ve locked in lower costs with our FirstChoice providers, so you can enjoy competitive treatment fees when you visit the dentist or a discount the next time you claim for glasses.
In NT 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/J17/D0000F