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?

  • 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

Insurance documents