How $43.30 is worked out
- Premium as filed - $57.06 a month
- Government rebate - 24.1% of the premium (never of the loading): -$13.76
- A month - $43.30
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; Tooth extraction (item 322): $168.55 | $450 per person a year, $900 per policy a year |
| Glasses and contact lenses | 6 months | Single vision glasses: 100% back | $150 per person a year, $300 per policy a year |
| Physiotherapy | 2 months | First visit: 50% back; Follow-up visit: 50% back | $200 per person a year, $400 per policy a year (shared with other services) |
| Psychology | 2 months | First visit: 50% back; Follow-up visit: 50% back | $200 per person a year, $400 per policy a year (shared with other services) |
Not covered: Major dental, Root canal, Braces, Prescriptions not on the PBS, Chiropractic, Podiatry, Acupuncture, Remedial massage, Hearing aids, Blood glucose monitors, Audiology, Antenatal and postnatal, Chinese herbal medicine, Dietitian, Exercise physiology, Eye therapy (orthoptics), Health management programs, Home nursing, Occupational therapy, Orthotics, Osteopathy, Speech therapy, Vaccinations.
* General dental is separated into two limits as follows: 1. annual limit of $200 per person for preventative dental services (capped at $400 per policy) entitling the member to 100% back up to $200 on eligible preventative dental services at First Choice providers. 2. annual limit of $250 per person for general dental services (capped at $500 per policy) entitling the member to 50% back up to $250 on eligible general dental services at First Choice providers. Please refer to fact sheet for further details.
Other services, as filed: Psychology has $150 sublimit for Digital Cognitive Behavioural Therapy (CBT). For Preventative dental service limits apply.
Cover the basics with 100% back on select services up to your annual limit. 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 I62/TPVQ1D, 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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