These are costs you could expect to pay if you’re treated in a private hospital without health insurance.
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Benefit maximums: just in case you thought you needed to share, benefit maximums are for each insured person every policy year, unless stated otherwise. Excess applies per person each policy year too.
Waiting periods: waiting periods apply to some benefits on your hospital cover. This is the time after you start a new policy that you have to wait before you make a claim.
nib First Choice network: use the nib First Choice Directory to check which providers in your area are part of the nib First Choice network for any health services you need. When treated by an nib First Choice provider, 100% of eligible costs will be covered, up to your benefit limits and in line with your policy. You can still choose to see a recognised provider who is not in the nib First Choice network but nib will only pay for treatment from that recognised provider up to a defined limit (the Efficient Market Price).