Basic Kickstarter $500 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 - Basic
• Hospital - Private or public hospital
• Excess - Capped per person per year. $500 per admission. $500 per person a year.
• 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
• Rehabilitation, psychiatric and palliative care - 2 months

As filed by the insurer: Basic Kickstarter only provides private hospital cover for nibs Accidental Injury Benefit. Palliative care , Hospital psychiatric services and Rehabilitation are paid at minimum benefits payable only. If this treatment is important to you, we recommend you consider a higher level of cover.

Extras: what you get back

Not covered: Major dental, Root canal, Braces, Glasses and contact lenses, Podiatry, Psychology, Remedial massage, Hearing aids, Blood glucose monitors, Audiology, Antenatal and postnatal, Eye therapy (orthoptics), Health management programs, Home nursing, Occupational therapy, Orthotics, Speech therapy, Vaccinations.

Other services, as filed: Preventative Tests - $100 limit per person per calendar year (waiting period 6 months): 50% back on preventative health test e.g. thin prep, bone density testing, bowel screening (service limits apply). Myotherapy - $100 combined limit with acupuncture and Chinese herbalism per person per calendar year (waiting period 2 months).

If you’re looking to take out cover for the first time, Kickstarter could help you avoid paying extra tax. 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.

Agreement hospitals in Tasmania

nib has agreements with 13 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 J43/WOUL1D, filed by nib Health Funds Ltd., issued 1 Oct 2026.