Top Cover - Gold Nil Excess
A Hospital + Extras product from nib. Below is the cover registered in the government data: waiting period, benefit per visit and annual limit for each service.
This product is closed: it no longer accepts new members, but existing members can keep using it.
Services covered (25)
| Service | Waiting period | Max benefit per visit | Annual limit |
|---|---|---|---|
| General dental | 2 months |
| $600 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 |
| $500 a year |
| Glasses and contact lenses | 6 months |
| $300 a year |
| Non-PBS prescription medicines | 2 months |
| $500 a year |
| Physiotherapy | 2 months |
| $550 a yearShared with Chiropractic, Exercise physiology, Osteopathy |
| Chiropractic | 2 months |
| $550 a yearShared with Physiotherapy, Exercise physiology, Osteopathy |
| Podiatry | 2 months |
| $400 a yearShared with Antenatal and postnatal care, Dietetics, Orthoptics, Home nursing, Occupational therapy, Speech therapy |
| Psychology | 2 months |
| $300 a year |
| Acupuncture | 2 months |
| $250 a yearShared with Remedial massage, Chinese herbal medicine |
| Remedial massage | 2 months |
| $250 a yearShared with Acupuncture, Chinese herbal medicine |
| Hearing aids | 36 months |
| $800 a yearShared with Blood glucose monitors, Orthotics |
| Blood glucose monitors | 12 months |
| $800 a yearShared with Hearing aids, Orthotics |
| Antenatal and postnatal care | 2 months |
| $400 a yearShared with Podiatry, Dietetics, Orthoptics, Home nursing, Occupational therapy, Speech therapy |
| Chinese herbal medicine | 2 months |
| $250 a yearShared with Acupuncture, Remedial massage |
| Dietetics | 2 months |
| $400 a yearShared with Podiatry, Antenatal and postnatal care, Orthoptics, Home nursing, Occupational therapy, Speech therapy |
| Exercise physiology | 2 months |
| $550 a yearShared with Physiotherapy, Chiropractic, Osteopathy |
| Orthoptics | 2 months |
| $400 a yearShared with Podiatry, Antenatal and postnatal care, Dietetics, Home nursing, Occupational therapy, Speech therapy |
| Health management programs | 6 months |
| $250 a year |
| Home nursing | 2 months |
| $400 a yearShared with Podiatry, Antenatal and postnatal care, Dietetics, Orthoptics, Occupational therapy, Speech therapy |
| Occupational therapy | 2 months |
| $400 a yearShared with Podiatry, Antenatal and postnatal care, Dietetics, Orthoptics, Home nursing, Speech therapy |
| Orthotics | 2 months |
| $800 a yearShared with Hearing aids, Blood glucose monitors |
| Osteopathy | 2 months |
| $550 a yearShared with Physiotherapy, Chiropractic, Exercise physiology |
| Speech therapy | 2 months |
| $400 a yearShared with Podiatry, Antenatal and postnatal care, Dietetics, Orthoptics, Home nursing, Occupational therapy |
Not covered: Audiology (hearing tests), Vaccinations
Annual limits
Services in the same group share one limit.
General dental
$600 a year
Major dental, Root canal (endodontics)
$1,200 a year
Orthodontics (braces)
$500 a year, $2,800 lifetime
Glasses and contact lenses
$300 a year
Non-PBS prescription medicines
$500 a year
Physiotherapy, Chiropractic, Exercise physiology, Osteopathy
$550 a year
Podiatry, Antenatal and postnatal care, Dietetics, Orthoptics, Home nursing, Occupational therapy, Speech therapy
$400 a year
Psychology
$300 a year
Acupuncture, Remedial massage, Chinese herbal medicine
$250 a year
Also includes other services not listed
Hearing aids, Blood glucose monitors, Orthotics
$800 a year
Also includes other services not listed
Health management programs
$250 a year
Insurer's notes (original English)
Product features
Service limits apply to hearing aids, blood glucose monitors and artificial aids. For those who wanted peace of mind by having the best cover. 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
Other Therapies ($400) includes antenatal services, dietary advice, eye therapy, home nursing, occupational therapy, podiatry, postnatal services, and speech pathology. Hearing aids / Artificial aids / Orthotics ($800) e.g. spacer, peak flow meter, nebuliser, blood glucose monitor, Irlen lens (service limits apply). Myotherapy: combined limit of $250 with acupuncture, remedial massage and Chinese herbalism. Healthier Lifestyle includes nib approved weight management, quit smoking and health management programs (gym, personal trainer) and more (service limits apply). Psychology has a sublimit of $150 for Digital Cognitive Behavioural Therapy (CBT). Non-PBS pharmaceuticals have a sub limit of $150 for Weight Management Medication.
Special features
Benefit paid after current PBS patient contribution deducted
Frequently asked questions
How much does Top Cover - Gold Nil Excess pay for a scale and clean?
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