nib Health Funds Ltd.

Basic Saver - Basic Plus $500 Excess

Name: Basic Saver - Basic Plus $500 Excess
Brand: nib Health Funds Ltd.
Price: 185.28 AUD

$185.28 / month

(Before Rebate, Discount & Loading)

Available in NSW & ACT

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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.

Policy ID: NIB/J20A/N0500S

Source: Private Health Information Statement (PHIS)

Hospital Cover

This policy exempts you from the Medicare Levy Surcharge.
This policy provides accident cover - check with insurer for details.
This policy does not provide benefits for travel or accommodation outside of hospital.

Covered

Restricted Cover

Not Covered

This policy includes cover for

Blood

Bone, joint and muscle

Brain and nervous system

Breast surgery (medically necessary)

Chemotherapy, radiotherapy and immunotherapy for cancer

Dental surgery

Diabetes management (excluding insulin pumps)

Digestive system

Ear, nose and throat

Gastrointestinal endoscopy

Gynaecology

Heart and vascular system

Hernia and appendix

Hospital psychiatric services

Implantation of hearing devices

Joint reconstructions

Kidney and bladder

Lung and chest

Male reproductive system

Miscarriage and termination of pregnancy

Pain management

Palliative care

Plastic and reconstructive surgery (medically necessary)

Podiatric surgery (provided by a registered podiatric surgeon)

Rehabilitation

Skin

Sleep studies

Tonsils, adenoids and grommets

This policy does not include cover for

Assisted reproductive services

Back, neck and spine

Cataracts

Dialysis for chronic kidney failure

Eye (not cataracts)

Insulin pumps

Joint replacements

Pain management with device

Pregnancy and birth

Weight loss surgery

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.

The following payments may also apply for hospital admissions

Excess: You will have to pay an excess of $500 per admission. This is limited to a maximum of $500 per policy per year.

Co-payments: No co-payments

The following waiting periods for hospital admissions apply to new or upgrading members Waiting periods:

2 months for palliative care, rehabilitation and hospital psychiatric treatments, even if pre-existing
12 months for other pre-existing conditions
2 months for all other treatments

Gap Cover

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.

For further information about this policy see: https://my.nib.com.au/product-collateral/3

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://www.nib.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

$100 per policy

combined limit for acupuncture, chinese medicine, dietetics/dietary advice & other services

Initial visit: 50% of charge
Subsequent visit: 50% of charge

Chinese medicine 2

$100 per policy

combined limit for acupuncture, chinese medicine, dietetics/dietary advice & other services

Initial visit: 50% of charge
Subsequent visit: 50% of charge

Chiropractic 2

$200 per policy

combined limit for chiropractic, exercise physiology & physiotherapy

Initial visit: 50% of charge
Subsequent visit: 50% of charge

Dietetics/dietary advice 2

$100 per policy

combined limit for acupuncture, chinese medicine, dietetics/dietary advice & other services

Initial visit: 50% of charge
Subsequent visit: 50% of charge

Exercise physiology 2

$200 per policy

combined limit for chiropractic, exercise physiology & physiotherapy

Initial visit: 50% of charge
Subsequent visit: 50% of charge

General dental 2

$450 per policy

combined limit for general dental & major dental

Fluoride treatment: 50% of charge
Scale & clean: 50% of charge
Periodic oral examination: 50% of charge

Major dental 12

$450 per policy

combined limit for general dental & major dental

Surgical tooth extraction: 50% of charge

Optical 6

$200 per policy

Multi-focal lenses & frames: 50% of charge
Single vision lenses & frames: 50% of charge

Physiotherapy 2

$200 per policy

combined limit for chiropractic, exercise physiology & physiotherapy

Initial visit: 50% of charge
Subsequent visit: 50% of charge

Acupuncture

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$100 per policy}

{combined limit for acupuncture, chinese medicine, dietetics/dietary advice & other services}

Examples of maximum benefits

{Initial visit: 50% of charge}

{Subsequent visit: 50% of charge}

Chinese medicine

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$100 per policy}

{combined limit for acupuncture, chinese medicine, dietetics/dietary advice & other services}

Examples of maximum benefits

{Initial visit: 50% of charge}

{Subsequent visit: 50% of charge}

Chiropractic

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$200 per policy}

{combined limit for chiropractic, exercise physiology & physiotherapy}

Examples of maximum benefits

{Initial visit: 50% of charge}

{Subsequent visit: 50% of charge}

Dietetics/dietary advice

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$100 per policy}

{combined limit for acupuncture, chinese medicine, dietetics/dietary advice & other services}

Examples of maximum benefits

{Initial visit: 50% of charge}

{Subsequent visit: 50% of charge}

Exercise physiology

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$200 per policy}

{combined limit for chiropractic, exercise physiology & physiotherapy}

Examples of maximum benefits

{Initial visit: 50% of charge}

{Subsequent visit: 50% of charge}

General dental

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$450 per policy}

{combined limit for general dental & major dental}

Examples of maximum benefits

{Fluoride treatment: 50% of charge}

{Scale & clean: 50% of charge}

{Periodic oral examination: 50% of charge}

Major dental

Waiting period: 12 months

Benefit limits per 12 months unless otherwise stated

{$450 per policy}

{combined limit for general dental & major dental}

Examples of maximum benefits

{Surgical tooth extraction: 50% of charge}

Optical

Waiting period: 6 months

Benefit limits per 12 months unless otherwise stated

{$200 per policy}

Examples of maximum benefits

{Multi-focal lenses & frames: 50% of charge}

{Single vision lenses & frames: 50% of charge}

Physiotherapy

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$200 per policy}

{combined limit for chiropractic, exercise physiology & physiotherapy}

Examples of maximum benefits

{Initial visit: 50% of charge}

{Subsequent visit: 50% of charge}

Myotherapy: combined limit of $100 with acupuncture, dietary advice and Chinese herbalism. Waiting periods for dental treatment range between 2 and 12 months. Only select major dental items are covered. Please contact insurer for details.

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

Ante-natal/Post-natal classes

Audiology

Blood glucose monitors

Endodontic

Eye therapy (orthoptics)

Health management / Healthy lifestyle

Hearing aids

Home nursing

Non PBS pharmaceuticals

Occupational therapy

Orthodontic

Orthotics (podiatric orthoses)

Osteopathy

Podiatry

Psychology

Remedial massage

Speech therapy

Vaccinations

Other features of this general treatment cover: Of course you can see your choice of provider, but by choosing an nib First Choice provider, you may have less to pay towards the cost of your treatment. We’ve created the nib First Choice network to help you access quality healthcare when you need it most. These health providers will deliver quality care and value for money and a better deal for you and your family. We’ve locked in lower costs with nib First Choice 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://my.nib.com.au/product-collateral/3

Ambulance cover

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.

Other features of this ambulance cover: 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.

For further information about this policy see: https://my.nib.com.au/product-collateral/3

Insurer Details

nib Health Funds Ltd.

Basic Saver - Basic Plus $500 Excess

$185.28 / month

(Before Rebate, Discount & Loading)

Available in NSW & ACT

13 14 63 Sponsor link

Go to site Sponsor link

nib Health Funds Ltd.

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 https://privatehealth.gov.au/dynamic/Premium/PHIS/NIB/J20A/N0500S

Basic Saver - Basic Plus $500 Excess

Policy ID: NIB/J20A/N0500S

Hospital Cover

Extras Cover

Ambulance cover

Insurer Details

nib Health Funds Ltd.

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