With four kinds of extras cover on offer, nib allows you to only pay for what you need. With almost a million subscribers in New Zealand and Australia, nib can help you pay for those everyday things you need to keep you going.
nib offers four different extras only plans:
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.
Find out if these combined policies from nib are what you're looking for.
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