Hospital + ExtrasClosed

Young at Heart Mid - Silver Plus $500 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.

Government data date: 1 October 2026

This product is closed: it no longer accepts new members, but existing members can keep using it.

Services covered (18)

Service	Waiting period	Max benefit per visit	Annual limit
General dental	2 months	Periodic exam (012): $35.20 Scale and clean (114): $66.85 Fluoride (121): $21.85	$500 a year
Major dental	12 months	Extraction (322): $168.55 Full crown, veneered (615): $1,079.10	$700 a yearShared with Root canal (endodontics)
Root canal (endodontics)	12 months	Root canal obturation (417): $178.10	$700 a yearShared with Major dental
Glasses and contact lenses	6 months	Single vision lenses and frames: 65% of the fee Multifocal lenses and frames: 65% of the fee	$250 a year
Non-PBS prescription medicines	2 months	Per prescription: 65% of the fee	$400 a year
Physiotherapy	2 months	Initial visit: 65% of the fee Subsequent visit: 65% of the fee	$300 a yearShared with Chiropractic, Exercise physiology, Osteopathy
Chiropractic	2 months	Initial visit: 65% of the fee Subsequent visit: 65% of the fee	$300 a yearShared with Physiotherapy, Exercise physiology, Osteopathy
Podiatry	2 months	Initial visit: 65% of the fee Subsequent visit: 65% of the fee	$200 a yearShared with Dietetics, Orthoptics, Home nursing, Occupational therapy, Speech therapy
Hearing aids	36 months	Per hearing aid: 65% of the fee	$400 a yearShared with Blood glucose monitors, Orthotics
Blood glucose monitors	12 months	Blood glucose monitor: 65% of the fee	$400 a yearShared with Hearing aids, Orthotics
Dietetics	2 months	Initial visit: 65% of the fee Subsequent visit: 65% of the fee	$200 a yearShared with Podiatry, Orthoptics, Home nursing, Occupational therapy, Speech therapy
Exercise physiology	2 months	Initial visit: 65% of the fee Subsequent visit: 65% of the fee	$300 a yearShared with Physiotherapy, Chiropractic, Osteopathy
Orthoptics	2 months	Initial visit: 65% of the fee Subsequent visit: 65% of the fee	$200 a yearShared with Podiatry, Dietetics, Home nursing, Occupational therapy, Speech therapy
Home nursing	2 months	Initial visit: 65% of the fee Subsequent visit: 65% of the fee	$200 a yearShared with Podiatry, Dietetics, Orthoptics, Occupational therapy, Speech therapy
Occupational therapy	2 months	Initial visit: 65% of the fee Subsequent visit: 65% of the fee	$200 a yearShared with Podiatry, Dietetics, Orthoptics, Home nursing, Speech therapy
Orthotics	2 months	Per pair of orthotics: 65% of the fee	$400 a yearShared with Hearing aids, Blood glucose monitors
Osteopathy	2 months	Initial visit: 65% of the fee Subsequent visit: 65% of the fee	$300 a yearShared with Physiotherapy, Chiropractic, Exercise physiology
Speech therapy	2 months	Initial visit: 65% of the fee Subsequent visit: 65% of the fee	$200 a yearShared with Podiatry, Dietetics, Orthoptics, Home nursing, Occupational therapy

Not covered: Orthodontics (braces), Audiology (hearing tests), Acupuncture, Chinese herbal medicine, Remedial massage, Psychology, Vaccinations, Antenatal and postnatal care, Health management programs

Annual limits

Services in the same group share one limit.

General dental
$500 a year
Major dental, Root canal (endodontics)
$700 a year
Glasses and contact lenses
$250 a year
Non-PBS prescription medicines
$400 a year
Physiotherapy, Chiropractic, Exercise physiology, Osteopathy
$300 a year
Podiatry, Dietetics, Orthoptics, Home nursing, Occupational therapy, Speech therapy
$200 a year
Hearing aids, Blood glucose monitors, Orthotics
$400 a year
Also includes other services not listed

Insurer's notes (original English)

Product features

For customers looking for a medium level of cover, tailored for them when they reach a certain time in their life. 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

Other Therapies ($200) includes dietary advice, eye therapy, home nursing, occupational therapy, podiatry and speech pathology. Hearing aids / Artificial aids / Orthotics ($400) includes e.g. spacer, peak flow meter, nebuliser, blood glucose monitor, Irlen lens (service limits apply).

Special features

Benefit paid after current PBS patient contribution deducted

Frequently asked questions

How much does Young at Heart Mid - Silver Plus $500 Excess pay for a scale and clean?

According to government data, Young at Heart Mid - Silver Plus $500 Excess pays up to $66.85 per scale and clean (114), with a 2 months general dental waiting period. General dental annual limit: $500 a year.

What are the waiting periods for Young at Heart Mid - Silver Plus $500 Excess?

General dental 2 months, Major dental 12 months, Root canal (endodontics) 12 months, Glasses and contact lenses 6 months, Non-PBS prescription medicines 2 months, Physiotherapy 2 months, Chiropractic 2 months, Podiatry 2 months, Hearing aids 36 months, Blood glucose monitors 12 months, Dietetics 2 months, Exercise physiology 2 months, Orthoptics 2 months, Home nursing 2 months, Occupational therapy 2 months, Orthotics 2 months, Osteopathy 2 months, Speech therapy 2 months.

Can Young at Heart Mid - Silver Plus $500 Excess be bought on its own?

This product combines hospital and Extras in one policy, with Silver Plus hospital cover.

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