(before any rebate, loading or discount)
Covers only one person
Available in Northern Territory
# You may be entitled to an Australian Government rebate on the above premium. Your premium may also include a Lifetime Health Cover loading or an insurer discount. Check with your insurer for details.
Only available to Australian Residents eligible to take out a corporate plan with UnitedHealthcare
This policy exempts you from the Medicare Levy Surcharge.
This policy provides accident cover - check with your insurer for details.
This policy does not provide benefits for travel or accommodation (outside of hospital).
| Assisted reproductive services | Eye (not cataracts) | Miscarriage and termination of pregnancy |
| Back, neck and spine | Gastrointestinal endoscopy | Pain management |
| Blood | Gynaecology | Pain management with device |
| Bone, joint and muscle | Heart and vascular system | Palliative care |
| Brain and nervous system | Hernia and appendix | Plastic and reconstructive surgery (medically necessary) |
| Breast surgery (medically necessary) | Hospital psychiatric services | Podiatric surgery (provided by a registered podiatric surgeon – limited benefits) |
| Cataracts | Implantation of hearing devices | Pregnancy and birth |
| Chemotherapy, radiotherapy and immunotherapy for cancer | Insulin pumps | Rehabilitation |
| Dental surgery | Joint reconstructions | Skin |
| Diabetes management (excluding insulin pumps) | Joint replacements | Sleep studies |
| Dialysis for chronic kidney failure | Kidney and bladder | Tonsils, adenoids and grommets |
| Digestive system | Lung and chest | Weight loss surgery |
| Ear, nose and throat | Male reproductive system |
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 lets you find out more about the cost of specialist medical services.
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 | 0 | $2,500 per policy (combined limit for general dental, major dental, endodontic & orthodontic) | Periodic oral examination - 100% of charge Scale & clean - 100% of charge Fluoride treatment - 100% of charge |
| Major dental | 0 | Surgical tooth extraction - 80% of charge Full crown veneered - 80% of charge | |
| Endodontic | 0 | Filling of one root canal - 80% of charge | |
| Orthodontic | 0 | Braces for upper & lower teeth, including removal plus fitting of retainer - 60% of charge | |
| Optical | 0 | $350 per policy | Single vision lenses & frames - 100% of charge Multi-focal lenses & frames - 100% of charge |
| Non PBS pharmaceuticals | 0 | No annual limit | Per eligible prescription - 100% of charge |
| Physiotherapy | 0 | 40 service(s) every 1 year (combined limit for physiotherapy & exercise physiology) | Initial visit - 100% of charge Subsequent visit - 100% of charge |
| Chiropractic | 0 | 40 service(s) every 1 year (combined limit for chiropractic & osteopathy) | Initial visit - 100% of charge Subsequent visit - 100% of charge |
| Podiatry | 0 | No annual limit | Initial visit - 100% of charge Subsequent visit - 100% of charge |
| Psychology | 0 | No annual limit | Initial visit - 100% of charge Subsequent visit - 100% of charge |
| Acupuncture | 0 | No annual limit (combined limit for acupuncture, remedial massage, chinese medicine & other services) | Initial visit - 100% of charge Subsequent visit - 100% of charge |
| Remedial massage | 0 | Initial visit - 100% of charge Subsequent visit - 100% of charge | |
| Hearing aids | 0 | $5,000 per policy 2 service(s) every 5 years | Hearing aid - 100% of charge |
| Blood glucose monitors | 0 | $5,000 per policy (combined limit for blood glucose monitors, orthotics (podiatric orthoses) & other services) | Per monitor - 100% of charge |
| Ante-natal/Post-natal classes | 0 | No annual limit | Initial visit - 100% of charge Subsequent visit - 100% of charge |
| Chinese medicine | 0 | Combined limit - see Acupuncture | Initial visit - 100% of charge Subsequent visit - 100% of charge |
| Dietetics/dietary advice | 0 | No annual limit | Initial visit - 100% of charge Subsequent visit - 100% of charge |
| Exercise physiology | 0 | Combined limit - see Physiotherapy | Initial visit - 100% of charge Subsequent visit - 100% of charge |
| Eye therapy (orthoptics) | 0 | 20 service(s) every 1 year | Initial visit - 100% of charge Subsequent visit - 100% of charge |
| Health management / Healthy lifestyle | 0 | $250 per policy | Health management - 100% of charge |
| Home nursing | 0 | No annual limit | Initial visit - 100% of charge Subsequent visit - 100% of charge |
| Occupational therapy | 0 | 20 service(s) every 1 year | Initial visit - 100% of charge Subsequent visit - 100% of charge |
| Orthotics (podiatric orthoses) | 0 | Combined limit - see Blood glucose monitors | Orthotics supply & fit - 100% of charge |
| Osteopathy | 0 | Combined limit - see Chiropractic | Initial visit - 100% of charge Subsequent visit - 100% of charge |
| Speech therapy | 0 | 20 service(s) every 1 year | Initial visit - 100% of charge Subsequent visit - 100% of charge |
| Preventative Tests (no annual limit) e.g. thin prep, bone density testing, bowel screening and breast screening. Artificial aids / Orthotics / Speech processor (annual limit $5,000) e.g. spacer, peak flow meter, nebuliser, blood glucose monitor, orthotic appliances, Irlen lens (service limits apply). Myotherapy: Included in Natural Therapies benefit (no annual limit) along with acupuncture, remedial massage and Chinese herbalism. Healthier Lifestyle includes nib approved weight management, quit smoking and health management programs (gym, personal trainer) and more. Psychology has a sublimit of $150 for Digital Cognitive Behavioural Therapy (CBT). | |||
| Other treatments - check with your insurer |
We do not have a preferred-provider-network-arrangement but operate a 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 us than they would ordinarily receive. In exchange, they do not charge you an out-of-pocket expense. Ask your specialist if they'll MediGap for you!
In Northern Territory 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.