nib Health Funds Ltd.

Safeguard - Basic Plus $200 Excess

Name: Safeguard - Basic Plus $200 Excess
Brand: nib Health Funds Ltd.
Price: 639.99 AUD

$639.99 / 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: Two adults & dependants (3 or more people, only 2 of whom are adults).

Children (0 - 17), non-classified* dependant (18 - 20) and students (21 - 30), as well as persons with a disability who qualify as a child, non-classified* dependant and 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/J8/N0400F

Source: Private Health Information Statement (PHIS)

Hospital Cover

This policy exempts you from the Medicare Levy Surcharge.
This policy does not provide accident cover.
This policy does not provide benefits for travel or accommodation outside of hospital.

Covered

Restricted Cover

Not Covered

This policy includes cover for

Assisted reproductive services

Blood

Bone, joint and muscle

Brain and nervous system

Breast surgery (medically necessary)

Cataracts

Chemotherapy, radiotherapy and immunotherapy for cancer

Dental surgery

Diabetes management (excluding insulin pumps)

Dialysis for chronic kidney failure

Digestive system

Ear, nose and throat

Eye (not cataracts)

Gastrointestinal endoscopy

Gynaecology

Heart and vascular system

Hernia and appendix

Hospital psychiatric services

Implantation of hearing devices

Joint reconstructions

Joint replacements

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)

Pregnancy and birth

Rehabilitation

Skin

Sleep studies

Tonsils, adenoids and grommets

This policy does not include cover for

Back, neck and spine

Insulin pumps

Pain management with device

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 $200 per admission. This is limited to a maximum of $200 per person and $400 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
12 months for pregnancy and birth (obstetrics)
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/30

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

Ante-natal/Post-natal classes 2

$400 per person

combined limit for ante-natal/post-natal classes, chiropractic, exercise physiology, osteopathy, physiotherapy & other services

Initial visit: $11
Subsequent visit: $11

Chiropractic 2

$400 per person

combined limit for ante-natal/post-natal classes, chiropractic, exercise physiology, osteopathy, physiotherapy & other services

sub-limits apply

Initial visit: $25
Subsequent visit: $22

Dietetics/dietary advice 2

$170 per person up to $340 per policy

combined limit for dietetics/dietary advice & remedial massage

Initial visit: $19
Subsequent visit: $18

Exercise physiology 2

$400 per person

combined limit for ante-natal/post-natal classes, chiropractic, exercise physiology, osteopathy, physiotherapy & other services

Initial visit: $28
Subsequent visit: $26

General dental 2

General Dental: Unlimited; Restorative: $450; Non-specialty Oral-Surgery: $350; Specialty Oral-Surgery: $500, $1,600 per Lifetime; (Service Limits Apply)

Fluoride treatment: $19
Scale & clean: $35
Surgical tooth extraction: $65
Periodic oral examination: $21

Health management / Healthy lifestyle 6

$200 per policy

Health management: 100% of charge

Non PBS pharmaceuticals* 2

$450 per person

Per eligible prescription: $45

Optical 6

$250 per person

Multi-focal lenses & frames: $190
Single vision lenses & frames: $140

Orthodontic 12

Specialty Orthodontia - $250, $1500 per Lifetime; Non-specialty Orthodontia - $250, $750 per Lifetime

Braces for upper & lower teeth, including removal plus fitting of retainer: 100% of charge

Osteopathy 2

$400 per person

combined limit for ante-natal/post-natal classes, chiropractic, exercise physiology, osteopathy, physiotherapy & other services

Initial visit: $25
Subsequent visit: $23

Physiotherapy 2

$400 per person

combined limit for ante-natal/post-natal classes, chiropractic, exercise physiology, osteopathy, physiotherapy & other services

sub-limits apply

Initial visit: $28
Subsequent visit: $26

Psychology 2

$300 per person

Initial visit: $45
Subsequent visit: $40

Remedial massage 2

$170 per person up to $340 per policy

combined limit for dietetics/dietary advice & remedial massage

Initial visit: $19
Subsequent visit: $18

Ante-natal/Post-natal classes

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

{combined limit for ante-natal/post-natal classes, chiropractic, exercise physiology, osteopathy, physiotherapy & other services}

Examples of maximum benefits

{Initial visit: $11}

{Subsequent visit: $11}

Chiropractic

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

{combined limit for ante-natal/post-natal classes, chiropractic, exercise physiology, osteopathy, physiotherapy & other services}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $25}

{Subsequent visit: $22}

Dietetics/dietary advice

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$170 per person up to $340 per policy}

{combined limit for dietetics/dietary advice & remedial massage}

Examples of maximum benefits

{Initial visit: $19}

{Subsequent visit: $18}

Exercise physiology

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

{combined limit for ante-natal/post-natal classes, chiropractic, exercise physiology, osteopathy, physiotherapy & other services}

Examples of maximum benefits

{Initial visit: $28}

{Subsequent visit: $26}

General dental

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{General Dental: Unlimited; Restorative: $450; Non-specialty Oral-Surgery: $350; Specialty Oral-Surgery: $500, $1,600 per Lifetime; (Service Limits Apply) }

Examples of maximum benefits

{Fluoride treatment: $19}

{Scale & clean: $35}

{Surgical tooth extraction: $65}

{Periodic oral examination: $21}

Health management / Healthy lifestyle

Waiting period: 6 months

Benefit limits per 12 months unless otherwise stated

{$200 per policy}

Examples of maximum benefits

{Health management: 100% 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: $45}

Optical

Waiting period: 6 months

Benefit limits per 12 months unless otherwise stated

{$250 per person}

Examples of maximum benefits

{Multi-focal lenses & frames: $190}

{Single vision lenses & frames: $140}

Orthodontic

Waiting period: 12 months

Benefit limits per 12 months unless otherwise stated

{Specialty Orthodontia - $250, $1500 per Lifetime; Non-specialty Orthodontia - $250, $750 per Lifetime}

Examples of maximum benefits

{Braces for upper & lower teeth, including removal plus fitting of retainer: 100% of charge}

Osteopathy

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

{combined limit for ante-natal/post-natal classes, chiropractic, exercise physiology, osteopathy, physiotherapy & other services}

Examples of maximum benefits

{Initial visit: $25}

{Subsequent visit: $23}

Physiotherapy

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

{combined limit for ante-natal/post-natal classes, chiropractic, exercise physiology, osteopathy, physiotherapy & other services}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $28}

{Subsequent visit: $26}

Psychology

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$300 per person}

Examples of maximum benefits

{Initial visit: $45}

{Subsequent visit: $40}

Remedial massage

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$170 per person up to $340 per policy}

{combined limit for dietetics/dietary advice & remedial massage}

Examples of maximum benefits

{Initial visit: $19}

{Subsequent visit: $18}

The General Dental annual limit includes multiple sub-limits, and for some sub-limits lifetime limits apply. Waiting periods for Dental treatment range between 2 and 12 months. Healthy lifestyle includes benefits for quit smoking and nicotine replacement aswell as nib approved weight management programs. Postnatal services are not covered on this product. Psychology has a sublimit of $150 for Digital Cognitive Behavioural Therapy (CBT).

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

Acupuncture

Audiology

Blood glucose monitors

Chinese medicine

Endodontic

Eye therapy (orthoptics)

Hearing aids

Home nursing

Major dental

Occupational therapy

Orthotics (podiatric orthoses)

Podiatry

Speech therapy

Vaccinations

Other features of this general treatment cover: nib does not have a preferred-provider-network-arrangement, but operates an nib-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 nib than they would ordinarily receive. In exchange they do not charge nib customers an out-of-pocket expense. Ask your specialist if they'll MediGap for you! Our Going to Hospital Pack provides more ways to reduce out-of-pockets, ask us for your copy

For further information about this policy see: https://my.nib.com.au/product-collateral/30

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/30

Insurer Details

nib Health Funds Ltd.

Safeguard - Basic Plus $200 Excess

$639.99 / 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/J8/N0400F

Safeguard - Basic Plus $200 Excess

Policy ID: NIB/J8/N0400F

Hospital Cover

Extras Cover

Ambulance cover

Insurer Details

nib Health Funds Ltd.

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