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Important things to know

1. Price based on: 25 year old male. Price includes our 4% direct debit discount.
2. Price based on: 25 year old male, non-smoker with a $500 annual excess. Price includes our 4% direct debit discount.

3. Waiting periods apply

   Waiting periods apply to some benefits on everyday and hospital cover. This is the time after you start a new policy that you have to wait before you make a claim.

4. Pre-existing conditions covered after 3 years

   nib considers a pre-existing condition to be any injury, illness, symptom or diagnosis that happened any time prior to the policy starting. Most pre-existing conditions are covered after 3 years. The pre-existing conditions that relate to any of the following categories are not covered at any time:

   • Cancer
   • Cardiovascular conditions and some risk factors
   • Hip, knee or back
   • Transplant surgery
   • Reconstructive or reparative surgery

This overview is not a policy document. It is an outline of the main features and benefits of the nib private hospital covers. A full explanation of the benefits and exclusions are contained in the policy documents. The policy documents are available from our documents page.