How $2.81 is worked out
- Premium as filed - $3.70 a month
- Government rebate - 24.1% of the premium (never of the loading): -$0.89
- A month - $2.81
Go to insurer no commission on this policy
Extras: what you get back
| Service | Waiting period | Example benefits, as filed | Limits |
|---|---|---|---|
| General dental * | none | Check-up (item 012): $25.00 | $50 per policy a year, $25 per service, 2 services every year |
Not covered: Major dental, Root canal, Braces, Glasses and contact lenses, Prescriptions not on the PBS, Physiotherapy, Chiropractic, Podiatry, Psychology, 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.
* DentalPass product only provides a benefit towards items 011, 012 and 013. Service limit is 1 item claimable per visit up to $25, per $50 calendar year limit. Benefits are only payable when provided by a Dental Practitioner who is an nib Recognised Provider and participating in nib’s First Choice Network. Product is only available for single scale as a standalone product. Cannot be taken out in combination with a Hospital or General Treatment product. Yearly payment available only. No other payment frequencies allowed. Product does not include Ambulance cover.
Product does not include Ambulance cover.
Ambulance
No ambulance cover.
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 I81/WUIJ10, filed by nib Health Funds Ltd., issued 1 Apr 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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