Premier - Gold
Compare 229 nib Health Funds policies. Prices shown for: Single, NSW, Age 30, $500 excess.
nib Health Funds
Premier - Gold
$1,153.35
Pregnancy and birth covered
Joint replacements covered
Emergency ambulance covered
85% back on optical
85% back on physiotherapy
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
- $799.86
- Excess
- $1,000 – $1,500
- 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
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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/person1 yr
Root Canal Therapy: 85% back
General Dental
$700/person2 mo
Periodic Exam: 85% backScale & Clean: 85% backFluoride: 85% back
Major Dental
$1,300/person1 yr
Extraction: 85% backFull Crown (Veneered): 85% back
Orthodontic
$500/person1 yr
Braces (Upper & Lower): 85% back
Optical
$400/person6 mo
Single Vision Lenses: 85% backMulti-Focal Lenses: 85% back
Orthoptics
$450/person2 mo
1st visit: 85% backNext visit: 85% back
Acupuncture
$300/person2 mo
1st visit: 85% backNext visit: 85% back
Chinese Herbal Medicine
$300/person2 mo
1st visit: 85% backNext visit: 85% back
Chiropractic
$650/person2 mo
1st visit: 85% backNext visit: 85% back
Exercise Physiology
$650/person2 mo
1st visit: 85% backNext visit: 85% back
Occupational Therapy
$450/person2 mo
1st visit: 85% backNext visit: 85% back
Osteopathy
$650/person2 mo
1st visit: 85% backNext visit: 85% back
Physiotherapy
$650/person2 mo
1st visit: 85% backNext visit: 85% back
Psychology
$300/person2 mo
1st visit: 85% backNext visit: 85% back
Remedial Massage
$300/person2 mo
1st visit: 85% backNext visit: 85% back
Speech Therapy
$450/person2 mo
1st visit: 85% backNext visit: 85% back
Antenatal/Postnatal
$450/person2 mo
1st visit: 85% backNext visit: 85% back
Dietetics
$450/person2 mo
1st visit: 85% backNext visit: 85% back
Hearing Aids
$800/person36 mo
Hearing Aid: 85% back
Home Nursing
$450/person2 mo
1st visit: 85% backNext visit: 85% back
Orthotics
$800/person2 mo
Orthotics: 85% back
Podiatry
$450/person2 mo
1st visit: 85% backNext visit: 85% back
Audiology
-Glucose Monitor
$800/person1 yr
Glucose Monitor: 85% back
Health Management
$250/person6 mo
Health Management: 85% back
Non-PBS Pharmaceuticals
$500/person2 mo
Prescription: 85% back
Vaccinations
-nib Health Funds
Premier - Gold
$1,153.35
Pregnancy and birth covered
Joint replacements covered
Emergency ambulance covered
85% back on optical
85% back on physiotherapy
Excess
Frequently Asked Questions
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