ING Health Insurance
ING Premium Extras
ING Health Insurance (a nib policy)
How $99.50 is worked out
- Premium as filed - $131.13 a month
- Government rebate - 24.1% of the premium (never of the loading): -$31.63
- A month - $99.50
Go to insurer no commission on this policy
Extras: what you get back
| Service | Waiting period | Example benefits, as filed | Limits |
|---|---|---|---|
| General dental | 2 months | Check-up (item 012): $35.20; Scale and clean (item 114): $66.85; Fluoride treatment (item 121): $21.85 | $1,000 per policy a year |
| Major dental | 12 months | Tooth extraction (item 322): $168.55; Crown (item 615): $1079.10 | $1,200 per policy a year (shared with other services) |
| Root canal | 12 months | Root canal (item 417): $178.10 | $1,200 per policy a year (shared with other services) |
| Braces | 12 months | Braces, upper and lower, with a retainer (item 881): 75% back | $800 per policy a year, $2,500 lifetime |
| Glasses and contact lenses | 6 months | Single vision glasses: 75% back; Multifocal glasses: 75% back | $300 per policy a year |
| Prescriptions not on the PBS * | 2 months | Prescription: 75% back | $450 per policy a year |
| Physiotherapy | 2 months | First visit: 75% back; Follow-up visit: 75% back | $500 per policy a year |
| Chiropractic | 2 months | First visit: 75% back; Follow-up visit: 75% back | $400 per policy a year (shared with other services) |
| Podiatry | 2 months | First visit: 75% back; Follow-up visit: 75% back | $400 per policy a year (shared with other services) |
| Psychology | 2 months | First visit: 75% back; Follow-up visit: 75% back | $400 per policy a year |
| Acupuncture | 2 months | First visit: 75% back; Follow-up visit: 75% back | $200 per policy a year (shared with other services) |
| Remedial massage | 2 months | First visit: 75% back; Follow-up visit: 75% back | $200 per policy a year |
| Hearing aids | 36 months | Hearing aid: 75% back | $1,200 per policy a year, 2 appliances every 5 years |
| Blood glucose monitors | 12 months | Blood: 75% back | $400 per policy a year, 1 appliance every year |
| Antenatal and postnatal | 2 months | First visit: 100% back; Follow-up visit: 100% back | $250 per policy a year |
| Chinese herbal medicine | 2 months | First visit: 75% back; Follow-up visit: 75% back | $200 per policy a year (shared with other services) |
| Dietitian | 2 months | First visit: 75% back; Follow-up visit: 75% back | $350 per policy a year |
| Exercise physiology | 2 months | First visit: 75% back; Follow-up visit: 75% back | $250 per policy a year |
| Eye therapy (orthoptics) | 2 months | First visit: 75% back; Follow-up visit: 75% back | $200 per policy a year |
| Health management programs | 6 months | Benefit: 75% back | $200 per policy a year |
| Home nursing | 2 months | First visit: 75% back; Follow-up visit: 75% back | $200 per policy a year |
| Occupational therapy | 2 months | First visit: 75% back; Follow-up visit: 75% back | $300 per policy a year |
| Orthotics | 2 months | Benefit: 75% back | $400 per policy a year (shared with other services) |
| Osteopathy | 2 months | First visit: 75% back; Follow-up visit: 75% back | $400 per policy a year (shared with other services) |
| Speech therapy | 2 months | First visit: 75% back; Follow-up visit: 75% back | $300 per policy a year |
Not covered: Audiology, Vaccinations.
Other services, as filed: 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).
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.
Ambulance
Emergency ambulance. Call-out fees covered. Waiting period for emergency transport: 1 day. No limit on emergency transport.
This policy's other options
Every state, household and excess the insurer filed for this policy, with the premium before the rebate.
Where this comes from
Policy details come from the PrivateHealth.gov.au dataset published by the Private Health Insurance Ombudsman on data.gov.au (release of 1 Oct 2026), licensed under Creative Commons Attribution 3.0 Australia. Statement I66/DRFI10, filed by nib Health Funds Ltd., issued 1 Oct 2026.
† Monthly premium: the premium the insurer filed with the Private Health Insurance Ombudsman for this state, household and excess, before the Australian Government rebate. Answer the income and age questions and every figure becomes the premium after your rebate, with any Lifetime Health Cover loading added to the hospital share (the rebate never applies to the loading) and the age-based discount taken off it where the policy offers one. Insurers may quote a different payment frequency and round each step; check the figure with the insurer before you join.
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