Young at Heart Top - Silver Plus 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 (22)
| Service | Waiting period | Max benefit per visit | Annual limit |
|---|---|---|---|
| General dental | 2 months |
| $700 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 |
| Glasses and contact lenses | 6 months |
| $350 a year |
| Non-PBS prescription medicines | 2 months |
| $600 a year |
| Physiotherapy | 2 months |
| $500 a yearShared with Chiropractic, Exercise physiology, Osteopathy |
| Chiropractic | 2 months |
| $500 a yearShared with Physiotherapy, Exercise physiology, Osteopathy |
| Podiatry | 2 months |
| $400 a yearShared with Dietetics, Orthoptics, Home nursing, Occupational therapy, Speech therapy |
| 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 |
| $1,000 a yearShared with Blood glucose monitors, Orthotics |
| Blood glucose monitors | 12 months |
| $1,000 a yearShared with Hearing aids, Orthotics |
| Chinese herbal medicine | 2 months |
| $250 a yearShared with Acupuncture, Remedial massage |
| Dietetics | 2 months |
| $400 a yearShared with Podiatry, Orthoptics, Home nursing, Occupational therapy, Speech therapy |
| Exercise physiology | 2 months |
| $500 a yearShared with Physiotherapy, Chiropractic, Osteopathy |
| Orthoptics | 2 months |
| $400 a yearShared with Podiatry, Dietetics, Home nursing, Occupational therapy, Speech therapy |
| Health management programs | 6 months |
| $150 a year |
| Home nursing | 2 months |
| $400 a yearShared with Podiatry, Dietetics, Orthoptics, Occupational therapy, Speech therapy |
| Occupational therapy | 2 months |
| $400 a yearShared with Podiatry, Dietetics, Orthoptics, Home nursing, Speech therapy |
| Orthotics | 2 months |
| $1,000 a yearShared with Hearing aids, Blood glucose monitors |
| Osteopathy | 2 months |
| $500 a yearShared with Physiotherapy, Chiropractic, Exercise physiology |
| Speech therapy | 2 months |
| $400 a yearShared with Podiatry, Dietetics, Orthoptics, Home nursing, Occupational therapy |
Not covered: Orthodontics (braces), Audiology (hearing tests), Psychology, Vaccinations, Antenatal and postnatal care
Annual limits
Services in the same group share one limit.
General dental
$700 a year
Major dental, Root canal (endodontics)
$1,200 a year
Glasses and contact lenses
$350 a year
Non-PBS prescription medicines
$600 a year
Physiotherapy, Chiropractic, Exercise physiology, Osteopathy
$500 a year
Podiatry, Dietetics, Orthoptics, Home nursing, Occupational therapy, Speech therapy
$400 a year
Acupuncture, Remedial massage, Chinese herbal medicine
$250 a year
Also includes other services not listed
Hearing aids, Blood glucose monitors, Orthotics
$1,000 a year
Also includes other services not listed
Health management programs
$150 a year
Insurer's notes (original English)
Product features
For customers looking for a high level of cover, tailored for them when they reached 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 ($400) includes dietary advice, eye therapy, home nursing, occupational therapy, podiatry and speech pathology. Hearing aids / Artificial aids / Orthotics ($1,000) includes 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). 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 Young at Heart Top - Silver Plus Nil Excess pay for a scale and clean?
What are the waiting periods for Young at Heart Top - Silver Plus Nil Excess?
Can Young at Heart Top - Silver Plus Nil Excess be bought on its own?
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