(before any rebate or insurer discount)
Covers 2 adults (and no-one else)
Available in NSW & ACT
# You may be entitled to an Australian Government rebate on the above premium. Your premium may also include an insurer discount. Check with your insurer for details.
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.
| Treatment | Waiting period (months) | Benefit limits (per 12 months unless otherwise stated) | Examples of maximum benefits |
|---|---|---|---|
| General dental* | 2 | $400 per person up to $800 per policy | Periodic oral examination - 50% of charge Scale & clean - 50% of charge Fluoride treatment - 50% of charge Surgical tooth extraction - 50% of charge |
| Physiotherapy | 2 | $200 per person up to $400 per policy | Initial visit - 50% of charge Subsequent visit - 50% of charge |
| Chiropractic | 2 | $200 per person up to $400 per policy (combined limit for chiropractic & osteopathy) | Initial visit - 50% of charge Subsequent visit - 50% of charge |
| Psychology | 2 | $100 per person up to $200 per policy | Initial visit - 50% of charge Subsequent visit - 50% of charge |
| Osteopathy | 2 | Combined limit - see Chiropractic | Initial visit - 50% of charge Subsequent visit - 50% of charge |
| Psychology has a sublimit of $100 for Digital Cognitive Behavioural Therapy (CBT). | |||
| Acupuncture | Major dental | Podiatry |
| Blood glucose monitors | Non PBS pharmaceuticals | Remedial massage |
| Endodontic | Optical | Other treatments - check with your insurer |
| Hearing aids | Orthodontic |
In NSW & ACT 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.
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.
The information contained in this Private Health Information Statement was provided by the insurer and is intended as general information. It may not take into account your particular circumstances. For information please contact the insurer.
For information on what is covered under each category, see https://www.privatehealth.gov.au/categories
Restricted categories partially cover your hospital costs as a private patient in a public hospital. You may incur significant expenses in a private room or private hospital.
These categories are not covered by this policy.