How $87.96 is worked out
- Premium as filed - $115.92 a month
- Government rebate - 24.1% of the premium (never of the loading): -$27.96
- A month - $87.96
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 | $700 per policy a year |
| Major dental | 12 months | Tooth extraction (item 322): $168.55; Crown (item 615): $1079.10 | $1,000 per policy a year (shared with other services) |
| Root canal | 12 months | Root canal (item 417): $178.10 | $1,000 per policy a year (shared with other services) |
| Braces | 12 months | Braces, upper and lower, with a retainer (item 881): 70% back | $700 per policy a year, $2,100 lifetime |
| Glasses and contact lenses | 6 months | Single vision glasses: 70% back; Multifocal glasses: 70% back | $250 per policy a year |
| Prescriptions not on the PBS | 2 months | Prescription: 70% back | $300 per policy a year |
| Physiotherapy | 2 months | First visit: 70% back; Follow-up visit: 70% back | $500 per policy a year (shared with other services) |
| Chiropractic | 2 months | First visit: 70% back; Follow-up visit: 70% back | $300 per policy a year (shared with other services) |
| Podiatry | 2 months | First visit: 70% back; Follow-up visit: 70% back | $200 per policy a year (shared with other services) |
| Psychology | 2 months | First visit: 70% back; Follow-up visit: 70% back | $300 per policy a year |
| Acupuncture | 2 months | First visit: 70% back; Follow-up visit: 70% back | $250 per policy a year (shared with other services) |
| Remedial massage | 2 months | First visit: 70% back; Follow-up visit: 70% back | $200 per policy a year |
| Antenatal and postnatal | 2 months | First visit: 70% back; Follow-up visit: 70% back | $200 per policy a year |
| Chinese herbal medicine | 2 months | First visit: 70% back; Follow-up visit: 70% back | $250 per policy a year (shared with other services) |
| Dietitian | 2 months | First visit: 70% back; Follow-up visit: 70% back | $250 per policy a year |
| Exercise physiology | 2 months | First visit: 70% back; Follow-up visit: 70% back | $500 per policy a year (shared with other services) |
| Health management programs | 6 months | Benefit: 70% back | $150 per policy a year |
| Occupational therapy | 2 months | First visit: 70% back; Follow-up visit: 70% back | $250 per policy a year |
| Orthotics | 2 months | Benefit: 70% back | $200 per policy a year (shared with other services) |
| Osteopathy | 2 months | First visit: 70% back; Follow-up visit: 70% back | $300 per policy a year (shared with other services) |
| Speech therapy | 2 months | First visit: 70% back; Follow-up visit: 70% back | $250 per policy a year |
Not covered: Hearing aids, Blood glucose monitors, Audiology, Eye therapy (orthoptics), Home nursing, Vaccinations.
Other services, as filed: Myotherapy - $250 combined limit with Acupuncture and Chinese herbalism per person per calendar year (waiting period 2 months). Healthy Lifestyle includes approved weight management, quit smoking and health management programs (gym, personal trainer) and more. Psychology has a sublimit of $150 for Digital Cognitive Behavioural Therapy (CBT). Non-PBS pharmaceuticals have a sub limit of $150 for Weight Management Medication.
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 I72/TUDN10, 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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