(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, an age-based discount or an insurer discount. Check with your insurer for details.
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).
| Hospital psychiatric services | Palliative care | Rehabilitation |
| Assisted reproductive services | Ear, nose and throat | Male reproductive system |
| Back, neck and spine | Eye (not cataracts) | Miscarriage and termination of pregnancy |
| Blood | Gastrointestinal endoscopy | Pain management |
| Bone, joint and muscle | Gynaecology | Pain management with device |
| Brain and nervous system | Heart and vascular system | Plastic and reconstructive surgery (medically necessary) |
| Breast surgery (medically necessary) | Hernia and appendix | 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 | Skin |
| Dental surgery | Joint reconstructions | Sleep studies |
| Diabetes management (excluding insulin pumps) | Joint replacements | Tonsils, adenoids and grommets |
| Dialysis for chronic kidney failure | Kidney and bladder | Weight loss surgery |
| Digestive system | Lung and chest |
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.
Co-payments: No co-payments
Waiting periods:
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.
Basic Kickstarter only provides private hospital cover for nibs Accidental Injury Benefit. Palliative care , Hospital psychiatric services and Rehabilitation are paid at minimum benefits payable only. If this treatment is important to you, we recommend you consider a higher level of cover.
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 | $200 per policy | Periodic oral examination - 50% of charge Scale & clean - 50% of charge Fluoride treatment - 50% of charge Surgical tooth extraction - n/a |
| Non PBS pharmaceuticals | 2 | $100 per policy | Per eligible prescription - 50% of charge |
| Physiotherapy | 2 | $150 per policy | Initial visit - 50% of charge Subsequent visit - 50% of charge |
| Chiropractic | 2 | $150 per policy (combined limit for chiropractic & osteopathy) | Initial visit - 50% of charge Subsequent visit - 50% of charge |
| Acupuncture | 2 | $100 per policy (combined limit for acupuncture, chinese medicine & other services) | Initial visit - 50% of charge Subsequent visit - 50% of charge |
| Chinese medicine | 2 | Initial visit - 50% of charge Subsequent visit - 50% of charge | |
| Dietetics/dietary advice | 2 | $150 per policy | Initial visit - 50% of charge Subsequent visit - 50% of charge |
| Exercise physiology | 2 | $100 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 |
| Preventative Tests - $100 limit per person per calendar year (waiting period 6 months): 50% back on preventative health test e.g. thin prep, bone density testing, bowel screening (service limits apply). Myotherapy - $100 combined limit with acupuncture and Chinese herbalism per person per calendar year (waiting period 2 months). | |||
| Blood glucose monitors | Optical | Remedial massage |
| Endodontic | Orthodontic | Other treatments - check with your insurer |
| Hearing aids | Podiatry | |
| Major dental | Psychology |
If you’re looking to take out cover for the first time, Kickstarter could help you avoid paying extra tax. 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 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.