How $144.89 is worked out
- Premium as filed - $190.94 a month
- Government rebate - 24.1% of the premium (never of the loading): -$46.05
- A month - $144.89
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 | $1,300 per policy a year (shared with other services) |
| Root canal | 12 months | Root canal (item 417): $178.10 | $1,300 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, $2,600 lifetime |
| Glasses and contact lenses | 6 months | Single vision glasses: 75% back; Multifocal glasses: 75% back | $350 per policy a year |
| Prescriptions not on the PBS | 2 months | Prescription: 75% back | $500 per policy a year |
| Physiotherapy | 2 months | First visit: 75% back; Follow-up visit: 75% back | $600 per policy a year |
| Chiropractic | 2 months | First visit: 75% back; Follow-up visit: 75% back | $500 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 | $500 per policy a year |
| Acupuncture | 2 months | First visit: 75% back; Follow-up visit: 75% back | $400 per policy a year (shared with other services) |
| Remedial massage | 2 months | First visit: 75% back; Follow-up visit: 75% back | $400 per policy a year (shared with other services) |
| 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 | $500 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 | $400 per policy a year (shared with other services) |
| Dietitian | 2 months | First visit: 75% back; Follow-up visit: 75% back | $600 per policy a year |
| Exercise physiology | 2 months | First visit: 75% back; Follow-up visit: 75% back | $300 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 | $450 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 | $500 per policy a year (shared with other services) |
| Speech therapy | 2 months | First visit: 75% back; Follow-up visit: 75% back | $450 per policy a year |
Not covered: Audiology, Vaccinations.
Other services, as filed: Preventative Tests ($200) e.g. thin prep, bone density testing, bowel screening (Service limits apply). Top Health Aids ($500) e.g. spacer, peak flow meter, nebuliser, Irlen lens. Myotherapy: combined limit of $400 with acupuncture, remedial massage and chinese herbalism. Psychology has a sublimit of $150 for Digital Cognitive Behavioural Therapy (CBT). Healthier Lifestyle 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.
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.
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 I33/NDNO10, 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.
No insurer pays to appear on this list or for its place in it. LookFirst does not say which tier or policy suits you. The filters are your own questions.