nib offers four different extras only plans:
"The primary reason I have health insurance is for the extras cover for my dental, optometry and chiro visits. I've been with a few different health insurers but I keep coming back to NIB as I've found their Extras cover gives me the most value for money. Instead of all of the complex conditions around how much I can claim back per visit from the other health insurers' I've been with, NIB's 60% benefit for all covered services means I know exactly how much I can get back from every visit, up to my annual limits."
In addition to the benefits outlined above, nib members have access to the following:
The way that extras operate with nib is simple. When claiming on a service, you'll receive back 60% of the cost from nib (75% with Top Extras), up to your annual limit. When you hit your annual limit for a particular service, you won't be able to claim any more benefits for that service until the following calendar year.
Keep in mind that certain groups of treatments may have sub-limits included, meaning you can only claim that total between the group of services per year, regardless of their individual limits.
The waiting periods imposed upon extras claims are as follows:
Generally, you'll be able to make a claim on the spot at a provider, simply by swiping your membership card. Otherwise, you can make claims online, using the nib App, or, if necessary, mailing in a claim form.
