ING Premium Extras
A Extras-only product from nib. Below is the cover registered in the government data: waiting period, benefit per visit and annual limit for each service.
Services covered (25)
| Service | Waiting period | Max benefit per visit | Annual limit |
|---|---|---|---|
| General dental | 2 months |
| $1,000 a year |
| Major dental | 12 months |
| $1,200 a yearShared with Root canal (endodontics) |
| Root canal (endodontics) | 12 months |
| $1,200 a yearShared with Major dental |
| Orthodontics (braces) | 12 months |
| $800 a year |
| Glasses and contact lenses | 6 months |
| $300 a year |
| Non-PBS prescription medicines | 2 months |
| $450 a year |
| Physiotherapy | 2 months |
| $500 a year |
| Chiropractic | 2 months |
| $400 a yearShared with Osteopathy |
| Podiatry | 2 months |
| $400 a yearShared with Orthotics |
| Psychology | 2 months |
| $400 a year |
| Acupuncture | 2 months |
| $200 a yearShared with Chinese herbal medicine |
| Remedial massage | 2 months |
| $200 a year |
| Hearing aids | 36 months |
| $1,200 a year |
| Blood glucose monitors | 12 months |
| $400 a year |
| Antenatal and postnatal care | 2 months |
| $250 a year |
| Chinese herbal medicine | 2 months |
| $200 a yearShared with Acupuncture |
| Dietetics | 2 months |
| $350 a year |
| Exercise physiology | 2 months |
| $250 a year |
| Orthoptics | 2 months |
| $200 a year |
| Health management programs | 6 months |
| $200 a year |
| Home nursing | 2 months |
| $200 a year |
| Occupational therapy | 2 months |
| $300 a year |
| Orthotics | 2 months |
| $400 a yearShared with Podiatry |
| Osteopathy | 2 months |
| $400 a yearShared with Chiropractic |
| Speech therapy | 2 months |
| $300 a year |
Not covered: Audiology (hearing tests), Vaccinations
Annual limits
Services in the same group share one limit.
General dental
$1,000 a year
Major dental, Root canal (endodontics)
$1,200 a year
Orthodontics (braces)
$800 a year, $2,500 lifetime
Glasses and contact lenses
$300 a year
Non-PBS prescription medicines
$450 a year
Physiotherapy
$500 a year
Podiatry, Orthotics
$400 a year
Psychology
$400 a year
Acupuncture, Chinese herbal medicine
$200 a year
Also includes other services not listed
Hearing aids
$1,200 a year, 2 per 5 years
Also includes other services not listed
Health management programs
$200 a year
Chiropractic, Osteopathy
$400 a year
Remedial massage
$200 a year
Blood glucose monitors
$400 a year, 1 per year
Also includes other services not listed
Antenatal and postnatal care
$250 a year
Dietetics
$350 a year
Exercise physiology
$250 a year
Orthoptics
$200 a year
Home nursing
$200 a year
Occupational therapy
$300 a year
Speech therapy
$300 a year
Insurer's notes (original English)
Product features
A comprehensive range of services for peace of mind. Of course, you can see your choice of provider, but by choosing a FirstChoice provider, you may have less to pay towards the cost of your treatment. We’ve created the FirstChoice network to help you access quality healthcare and a better deal for you and your family. We’ve locked in lower costs with our FirstChoice providers, so you can enjoy competitive treatment fees when you visit the dentist or a discount the next time you claim for glasses.
Other services
Preventative Tests - $200 limit per person per calendar year (waiting period 6 months): 75% back on preventative health test for thin prep, bone density testing and bowel screening (service limits apply). Health aids - premium - $400 limit per person per calendar year (waiting period 12 months): 75% back on health aids e.g. shoulder braces, knee braces, splints, spacer, peak flow meter, nebuliser, Irlen lens, blood glucose monitor, macular degeneration aids and compression garments (service limits apply). Myotherapy: combined limit of $200 with acupuncture and Chinese herbalism. Speech Processor: combined limit with Hearing aids of $1,200 per person per calendar year (waiting period 36 months, service limits apply). Healthy Lifestyle includes approved weight management, quit smoking and health management programs (gym, personal trainer). Orthotics (podiatric orthoses) - service limits of 2 Single or 1 Pair per Person per Year apply. Psychology has a sublimit of $150 for Digital Cognitive Behavioural Therapy (CBT).
Frequently asked questions
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