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ING Health Insurance

ING Premium Extras

$512.87 / 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 an insurer discount. Check with your insurer for details.

This policy covers: Two adults & dependants, including non-student dependants (3 or more people, only 2 of whom are adults).

Children (0 - 17), non-classified* dependant (18 - 20), students (21 - 30) and non-students (21 to 30), as well as persons with a disability who qualify as a child, non-classified* dependant, student and non-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.

Policy ID: NIB/I66/TRGG2Y

Source: Private Health Information Statement (PHIS)

Extras 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://health.ing.com.au/find-a-provider.

This policy includes General treatment (Extras) cover for
Treatment & waiting period (months)
Benefit limits per 12 months unless otherwise stated
Examples of maximum benefits
Acupuncture 2

$200 per person

combined limit for acupuncture, chinese medicine & other services

  • Initial visit: 75% of charge
  • Subsequent visit: 75% of charge
Ante-natal/Post-natal classes 2

$250 per person

  • Initial visit: 100% of charge
  • Subsequent visit: 100% of charge
Blood glucose monitors 12

$400 per person

  • Per monitor: 75% of charge
Chinese medicine 2

$200 per person

combined limit for acupuncture, chinese medicine & other services

  • Initial visit: 75% of charge
  • Subsequent visit: 75% of charge
Chiropractic 2

$400 per person

combined limit for chiropractic & osteopathy

  • Initial visit: 75% of charge
  • Subsequent visit: 75% of charge
Dietetics/dietary advice 2

$350 per person

  • Initial visit: 75% of charge
  • Subsequent visit: 75% of charge
Endodontic 12

$1,200 per person

combined limit for endodontic & major dental

  • Filling of one root canal: 75% of charge
Exercise physiology 2

$250 per person

  • Initial visit: 75% of charge
  • Subsequent visit: 75% of charge
Eye therapy (orthoptics) 2

$200 per person

  • Initial visit: 75% of charge
  • Subsequent visit: 75% of charge
General dental 2

$1,000 per person

  • Fluoride treatment: 75% of charge
  • Scale & clean: 75% of charge
  • Periodic oral examination: 75% of charge
Health management / Healthy lifestyle 6

$200 per person

  • Health management: 75% of charge
Hearing aids 36

$1,200 per person

  • Hearing aid: 75% of charge
Home nursing 2

$200 per person

  • Initial visit: 75% of charge
  • Subsequent visit: 75% of charge
Major dental 12

$1,200 per person

combined limit for endodontic & major dental

  • Surgical tooth extraction: 75% of charge
  • Full crown veneered: 75% of charge
Non PBS pharmaceuticals* 2

$450 per person

  • Per eligible prescription: 75% of charge
Occupational therapy 2

$300 per person

  • Initial visit: 75% of charge
  • Subsequent visit: 75% of charge
Optical 6

$300 per person

  • Multi-focal lenses & frames: 75% of charge
  • Single vision lenses & frames: 75% of charge
Orthodontic 12

$800 per person

$2,500 lifetime limit

  • Braces for upper & lower teeth, including removal plus fitting of retainer: 75% of charge
Orthotics (podiatric orthoses) 2

$400 per person

combined limit for orthotics (podiatric orthoses) & podiatry

  • Orthotics supply & fit: 75% of charge
Osteopathy 2

$400 per person

combined limit for chiropractic & osteopathy

  • Initial visit: 75% of charge
  • Subsequent visit: 75% of charge
Physiotherapy 2

$500 per person

  • Initial visit: 75% of charge
  • Subsequent visit: 75% of charge
Podiatry 2

$400 per person

combined limit for orthotics (podiatric orthoses) & podiatry

  • Initial visit: 75% of charge
  • Subsequent visit: 75% of charge
Psychology 2

$400 per person

  • Initial visit: 75% of charge
  • Subsequent visit: 75% of charge
Remedial massage 2

$200 per person

  • Initial visit: 75% of charge
  • Subsequent visit: 75% of charge
Speech therapy 2

$300 per person

  • Initial visit: 75% of charge
  • Subsequent visit: 75% of charge
Acupuncture

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$200 per person}

{combined limit for acupuncture, chinese medicine & other services}

Examples of maximum benefits

{Initial visit: 75% of charge}

{Subsequent visit: 75% of charge}

Ante-natal/Post-natal classes

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$250 per person}

Examples of maximum benefits

{Initial visit: 100% of charge}

{Subsequent visit: 100% of charge}

Blood glucose monitors

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

Examples of maximum benefits

{Per monitor: 75% of charge}

Chinese medicine

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$200 per person}

{combined limit for acupuncture, chinese medicine & other services}

Examples of maximum benefits

{Initial visit: 75% of charge}

{Subsequent visit: 75% of charge}

Chiropractic

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

{combined limit for chiropractic & osteopathy}

Examples of maximum benefits

{Initial visit: 75% of charge}

{Subsequent visit: 75% of charge}

Dietetics/dietary advice

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$350 per person}

Examples of maximum benefits

{Initial visit: 75% of charge}

{Subsequent visit: 75% of charge}

Endodontic

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$1,200 per person}

{combined limit for endodontic & major dental}

Examples of maximum benefits

{Filling of one root canal: 75% of charge}

Exercise physiology

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$250 per person}

Examples of maximum benefits

{Initial visit: 75% of charge}

{Subsequent visit: 75% of charge}

Eye therapy (orthoptics)

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$200 per person}

Examples of maximum benefits

{Initial visit: 75% of charge}

{Subsequent visit: 75% of charge}

General dental

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$1,000 per person}

Examples of maximum benefits

{Fluoride treatment: 75% of charge}

{Scale & clean: 75% of charge}

{Periodic oral examination: 75% of charge}

Health management / Healthy lifestyle

Waiting period:  6 months

Benefit limits per 12 months unless otherwise stated

{$200 per person}

Examples of maximum benefits

{Health management: 75% of charge}

Hearing aids

Waiting period:  36 months

Benefit limits per 12 months unless otherwise stated

{$1,200 per person}

Examples of maximum benefits

{Hearing aid: 75% of charge}

Home nursing

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$200 per person}

Examples of maximum benefits

{Initial visit: 75% of charge}

{Subsequent visit: 75% of charge}

Major dental

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$1,200 per person}

{combined limit for endodontic & major dental}

Examples of maximum benefits

{Surgical tooth extraction: 75% of charge}

{Full crown veneered: 75% of charge}

Non PBS pharmaceuticals*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$450 per person}

Examples of maximum benefits

{Per eligible prescription: 75% of charge}

Occupational therapy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$300 per person}

Examples of maximum benefits

{Initial visit: 75% of charge}

{Subsequent visit: 75% of charge}

Optical

Waiting period:  6 months

Benefit limits per 12 months unless otherwise stated

{$300 per person}

Examples of maximum benefits

{Multi-focal lenses & frames: 75% of charge}

{Single vision lenses & frames: 75% of charge}

Orthodontic

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$800 per person}

{$2,500 lifetime limit}

Examples of maximum benefits

{Braces for upper & lower teeth, including removal plus fitting of retainer: 75% of charge}

Orthotics (podiatric orthoses)

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

{combined limit for orthotics (podiatric orthoses) & podiatry}

Examples of maximum benefits

{Orthotics supply & fit: 75% of charge}

Osteopathy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

{combined limit for chiropractic & osteopathy}

Examples of maximum benefits

{Initial visit: 75% of charge}

{Subsequent visit: 75% of charge}

Physiotherapy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$500 per person}

Examples of maximum benefits

{Initial visit: 75% of charge}

{Subsequent visit: 75% of charge}

Podiatry

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

{combined limit for orthotics (podiatric orthoses) & podiatry}

Examples of maximum benefits

{Initial visit: 75% of charge}

{Subsequent visit: 75% of charge}

Psychology

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

Examples of maximum benefits

{Initial visit: 75% of charge}

{Subsequent visit: 75% of charge}

Remedial massage

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$200 per person}

Examples of maximum benefits

{Initial visit: 75% of charge}

{Subsequent visit: 75% of charge}

Speech therapy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$300 per person}

Examples of maximum benefits

{Initial visit: 75% of charge}

{Subsequent visit: 75% of charge}

Preventative Tests - $200 limit per person per calendar year (waiting period 6 months): 75% back on preventative health test for thin prep, bone density testing and bowel screening (service limits apply). Health aids - premium - $400 limit per person per calendar year (waiting period 12 months): 75% back on health aids e.g. shoulder braces, knee braces, splints, spacer, peak flow meter, nebuliser, Irlen lens, blood glucose monitor, macular degeneration aids and compression garments (service limits apply). Myotherapy: combined limit of $200 with acupuncture and Chinese herbalism. Speech Processor: combined limit with Hearing aids of $1,200 per person per calendar year (waiting period 36 months, service limits apply). Healthy Lifestyle includes approved weight management, quit smoking and health management programs (gym, personal trainer). Orthotics (podiatric orthoses) - service limits of 2 Single or 1 Pair per Person per Year apply. Psychology has a sublimit of $150 for Digital Cognitive Behavioural Therapy (CBT).

This policy does not include General treatment (Extras) cover for
Audiology
Vaccinations

Other features of this general treatment cover: A comprehensive range of services for peace of mind. 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.

For further information about this policy see: https://www.nib.com.au/docs/ing-premium-extras-factsheet

Ambulance cover

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.

For further information about this policy see: https://www.nib.com.au/docs/ing-premium-extras-factsheet

Insurer Details

ING Health Insurance

ING Premium Extras

$512.87 / month

(Before Rebate, Discount & Loading)

Available in TAS

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 https://privatehealth.gov.au/dynamic/Premium/PHIS/NIB/I66/TRGG2Y

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