Gold Advanced Cover $750 Excess

Hospital: what is covered

Restricted means partially covered for hospital costs as a private patient in a public hospital; in a private room or private hospital you may face significant expenses.

Excess, waiting periods and hospital

• Tier - Gold
• Hospital - Private or public hospital
• Excess - Capped per person and per policy per year. $750 per admission. $750 per person a year. $1,500 per policy a year. No excess for dependants.
• Co-payments - None.
• Known gap - Yes, with the fund's doctors
• Age-based discount - Offered for 18 to 29 year olds
• Accident cover - Yes
• Travel and accommodation benefits - No

Waiting periods

• Most treatments - 2 months
• Existing conditions - 12 months
• Pregnancy and birth - 12 months
• Rehabilitation, psychiatric and palliative care - 2 months

As filed by the insurer: Our Going to Hospital Pack provides more ways to reduce out-of-pockets, ask us for your copy.

Extras: what you get back

Not covered: Audiology, Vaccinations.

Other services, as filed: Preventative Tests ($200) e.g. thin prep, bone density testing, bowel screening (Service limits apply). Health Aids ($500) e.g. spacer, peak flow meter, nebuliser, Irlen lens. Myotherapy: combined limit of $450 with acupuncture, remedial massage and Chinese herbalism. Sublimit of $250 for Remedial Message. Psychology has a sublimit of $150 for Digital Cognitive Behavioural Therapy (CBT). Healthier Lifestyle ($200) includes nib approved weight management, quit smoking and health management programs (gym, personal trainer) and more. Use nib Rewards to access a range of rewards and discounts on services like groceries, petrol, entertainment, health, wellbeing and more! For Preventative dental service limits apply. Non-PBS pharmaceuticals have a sub limit of $150 for Weight Management Medication.

By choosing an nib First Choice provider it means you could pay less on dental treatment, physiotherapy and optical. Service limit apply to Preventative dental, Optical, Orthotics, Hearing Aids & Hearing Aids Repair, Health Aids and Preventative Test.

No yearly limit on preventative dental.

Ambulance

Emergency ambulance. Call-out fees covered. Waiting period for emergency transport: 1 day. No limit on emergency transport.

Agreement hospitals in Northern Territory

nib has agreements with 3 private hospitals here, as filed with the Ombudsman.

This policy's other options

Every state, household and excess the insurer filed for this policy, with the premium before the rebate.

Member retention (hospital cover)

79.0% is the Commonwealth Ombudsman's figure for NIB in its State of the Health Funds Report 2024-25 (Table 1, page 15; data at 30 June 2025).

The Ombudsman describes it as one measure of the comparative effectiveness of insurers and of their level of member satisfaction: the percentage of members, hospital memberships only, who have remained with the insurer for 2 years or more (page 12). It is published for the insurer, not for this policy, and is not adjusted for policies that lapse when a member dies. The Ombudsman cautions that no single indicator shows an insurer's overall performance (page 27).

It is shown as published. The list is not sorted, filtered or ranked by it.

Member retention is the Commonwealth Ombudsman's figure, from its State of the Health Funds Report 2024-25. Source: Licensed from the Commonwealth Ombudsman under a Creative Commons 4.0 licence. This report is available from the Commonwealth Ombudsman website at www.ombudsman.gov.au.

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 J115/NWHI2Y, filed by nib Health Funds Ltd., issued 1 Oct 2026.