Premium Everyday
What is it?
All the benefits of Standard Everyday like visiting the doctor, remedial massage and acupuncture, but with higher annual limits for day-to-day health expenses like dental and optical.
You’ll also get 80% back on claims, up to your annual limits, when you make a claim on any of the included benefits on Premium Everyday.
Why is it worth it?
- Easy to join so you can get on with what you want to do
- Up to $1000 worth of dental treatment
- 80% back on claims up to your annual limit
- Cover for GP visits and prescriptions
What will I be insured for?
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Benefits
Covered conditions under this plan
Benefits of Premium Everyday
All benefit limits apply to each person on the policy (just in case you thought you'd have to share!)
Note: this overview is not the policy document. It is an outline of the main features and benefits of the nib Premium Everyday policy. For a full explanation of the benefits and exclusions, and more legal bits, see the Premium Everyday policy document under 'insurance documents'.
- Dental – preventative
- Dental – general
- Dental – major
- Dental – orthodontic
Dental treatments performed by a registered dental practitioner or oral surgeon, including:
- Examinations
- Cleaning and scaling
- Fillings
- Extractions (including wisdom teeth)
- Associated x-rays
- Orthodontic treatment (e.g. braces)
- Endodontic Treatment (e.g. root canal)
Waiting period:
Preventative: 2 months (e.g. examinations, scale and clean, fluoride treatments)
General: 2 months months (e.g. filings, basic extraction (excluding wisdom teeth), x-rays
Major & orthodontic: 12 months (e.g. crowns, bridges, root canal, removal of wisdom teeth)
Benefit Limit: $1000
- Glasses and contact lenses
- Optical consultations
Covers the cost of prescription glasses and contact lenses, and examination fees.
Waiting period: 6 months Benefit Limit: $500- Physiotherapy
- Chiropractic Treatment
- Osteopathic Treatment
Covers the cost of GP visits and prescriptions.
Waiting period: 2 months Benefit Limit: $500- GP consultations
- Pharmaceutical prescriptions
Covers the cost of GP visits and prescriptions.
Waiting period: 2 months Benefit Limit: $500- Acupuncture
- Traditional Chinese Medicine
- Remedial massage
- Vaccinations
Covers the cost of acupuncture, traditional Chinese medicine, remedial massage and vaccinations.
Waiting period: 2 months Benefit Limit: $300- Speech Therapy
Covers the cost of speech therapy.
Waiting period: 2 months Benefit Limit: $400- Mental health consultations (Psychology and Psychiatry)
Covers the cost of consultations by a psychiatrist or psychologist.
Waiting period: 6 months Benefit Limit: $500