nib Health Funds Ltd.
$190.58 / month
Before Rebate, Discount & Loading
Available in TAS
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: Only one person.
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 $200 per admission. This is limited to a maximum of $200 per person and $200 per policy per year.
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.
nib does not have a preferred-provider-network-arrangement, but operates an nib-MediGap scheme aiming to eliminate the 'gap' payments for specialist fees in hospital. When a specialist chooses to participate in MediGap, they agree not to charge an out-of-pocket expense for your procedure. We do this by building a network of specialists who may agree to receive a higher benefit from nib than they would ordinarily receive. In exchange they do not charge nib customers an out-of-pocket expense. Ask your specialist if they'll MediGap for you! 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/9
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
$900 per policy
combined limit for acupuncture, ante-natal/post-natal classes, chiropractic, exercise physiology, eye therapy (orthoptics), occupational therapy, osteopathy, physiotherapy & speech therapy
sub-limits apply
$600 per policy
$170 for single policies, $340 for family groups (combined limit with Chinese Herbalism and Myotherapy)
combined limit for chinese medicine & remedial massage
$250 per policy
Non-specialty Endodontia: $400; Specialty Endodontia: $450, $1600 per Lifetime; Service Limits Apply
General Dental/Major Dental: Multiple Limits, Sub-Limits, Shared Limits and Service Limits Apply; See insurer for details
combined limit for general dental & major dental
$100 for single policies, $200 for family groups
$560 per policy
$750 per policy
$200 per policy
Non-specialty Orthodontia: $350, $1050 per Lifetime; Specialty Orthodontia: $350, increasing by $100 per calendar year to $2400 per Lifetime
$220 per policy
$300 per policy
$100 per policy
Combined Therapies ($900) includes acupuncture, antenatal services, chiropractic, exercise physiology, eye therapy, occupational therapy, osteopathy, physiotherapy and speech pathology. Artificial aids ($600) e.g. spacer, peak flow meter, nebuliser, Irlen lens. Myotherapy: combined limit of $170 with remedial massage and Chinese herbalism. Healthier Lifestyle includes nib approved weight management and quit smoking. Postnatal services are not covered. Psychology has a sublimit of $150 for Digital Cognitive Behavioural Therapy (CBT).
Other features of this general treatment cover: nib also has policy benefits for a wide range of other services such as shiatsu and nutrition. Then receive up to a 4% discount for payment by direct debit from a cheque or savings account. Please note that limits may apply per policy for artificial aids such as blood glucose monitors.
Ambulance cover is provided by the State government for residents of Tasmania. This may include cover whilst interstate, except for South Australia and Queensland where no cover applies. In other states please check with Ambulance Tasmania - https://www.health.tas.gov.au/ambulance/fees_and_accounts.
Other features of this ambulance cover: Emergency ambulance costs are covered by the state government for residents of Tasmania.
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/J18/T0200S