Premier - Gold Nil Excess
Compare 229 nib Health Funds policies. Prices shown for: Single, NSW, Age 30, $500 excess.
nib Health Funds
Premier - Gold Nil Excess
$619.70
Pregnancy and birth covered
Joint replacements covered
Weight loss surgery covered
85% back on dental and optical
Emergency ambulance covered
Excess
Why this cover
Hospital Cover
- Heart & Vascular
- Brain & Nervous System
- Eye (Not Cataracts)
- Cataracts
Extras Cover
- Dental
- Optical
- Physiotherapy
- Chiropractic
Pricing & Value
- Monthly premium from
- $506.95
- Excess
- $0
- Hospital tier
- Gold
Excellent Service Record0.80× average complaint rate · Q1-Q3 2025Source: Private Health Insurance Ombudsman (PHIO) Quarterly Report, Q1-Q3 2025
Inclusions
Waiting periods recognised
Change your mind within 30 days
We do all the paperwork for you
Get 10 weeks free
Get 10 weeks free
Ending 31 Aug 2026
Hospital Cover
38 covered0 not covered
CoveredRestrictedNot Covered
Heart & Vascular
Brain & Nervous System
Eye (Not Cataracts)
Cataracts
Ear, Nose & Throat
Back, Neck & Spine
Extras Cover
25 covered2 not covered
First Choice dentistsSpecial dental rates at a First Choice dentist
Check if your dentist is in-networkSearch our provider directory for your clinic.
Endodontic
$1,300/policy1 yr
Root Canal Therapy: 85% back
General Dental
$700/policy2 mo
Periodic Exam: 85% backScale & Clean: 85% backFluoride: 85% back
Major Dental
$1,300/policy1 yr
Extraction: 85% backFull Crown (Veneered): 85% back
Orthodontic
$500/policy1 yr
Braces (Upper & Lower): 85% back
Optical
$400/policy6 mo
Single Vision Lenses: 85% backMulti-Focal Lenses: 85% back
Orthoptics
$450/policy2 mo
1st visit: 85% backNext visit: 85% back
Acupuncture
$300/policy2 mo
1st visit: 85% backNext visit: 85% back
Chinese Herbal Medicine
$300/policy2 mo
1st visit: 85% backNext visit: 85% back
Chiropractic
$650/policy2 mo
1st visit: 85% backNext visit: 85% back
Exercise Physiology
$650/policy2 mo
1st visit: 85% backNext visit: 85% back
Occupational Therapy
$450/policy2 mo
1st visit: 85% backNext visit: 85% back
Osteopathy
$650/policy2 mo
1st visit: 85% backNext visit: 85% back
Physiotherapy
$650/policy2 mo
1st visit: 85% backNext visit: 85% back
Psychology
$300/policy2 mo
1st visit: 85% backNext visit: 85% back
Remedial Massage
$300/policy2 mo
1st visit: 85% backNext visit: 85% back
Speech Therapy
$450/policy2 mo
1st visit: 85% backNext visit: 85% back
Antenatal/Postnatal
$450/policy2 mo
1st visit: 85% backNext visit: 85% back
Dietetics
$450/policy2 mo
1st visit: 85% backNext visit: 85% back
Hearing Aids
$800/policy36 mo
Hearing Aid: 85% back
Home Nursing
$450/policy2 mo
1st visit: 85% backNext visit: 85% back
Orthotics
$800/policy2 mo
Orthotics: 85% back
Podiatry
$450/policy2 mo
1st visit: 85% backNext visit: 85% back
Audiology
-Glucose Monitor
$800/policy1 yr
Glucose Monitor: 85% back
Health Management
$250/policy6 mo
Health Management: 85% back
Non-PBS Pharmaceuticals
$500/policy2 mo
Prescription: 85% back
Vaccinations
-nib Health Funds
Premier - Gold Nil Excess
$619.70
Pregnancy and birth covered
Joint replacements covered
Weight loss surgery covered
85% back on dental and optical
Emergency ambulance covered
Excess
Frequently Asked Questions
I need cover for...