This was posted 4 years 2 months 16 days ago, and might be an out-dated deal.

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NIB Health Insurance Combined Hospital and Extras Cover - Get up to $400 Virtual Visa eCard

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NIB Health Insurance Combined Hospital and Extras Cover - Get up to $400 Virtual Visa eCard
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LBujji11 on 08/10/2020 - 14:36 files.ozbargain.com.au (508 clicks)

  1. The Offer commences at 12:00 am (AEST) on 1 October 2020 and closes at 11.59pm (AEST) on 31 October 2020 (“Offer Period”). Policies
    purchased after 11.59pm (AEST) on 31 October 2020 will not be eligible for the Offer.

  2. The Offer is open only to permanent residents of Australia who are 18 years or over as at the date of joining (being the date of completion of join)
    (“Eligible Entrants”).

  3. The Offer is only available in conjunction with the purchase of a nib combined Hospital and Extras Australian resident’s health insurance product
    “nib ARHI product”

  4. The offer consists of one (1) Virtual Prepaid Visa Card valued at AUD$200.00 (inclusive of GST) for single policies, or AUD$400.00 (inclusive of GST)
    for couples, families or single parent family policies (“gift” or “Virtual Visa eGift Card”). The Virtual Visa eGift Card can be used at any website
    online that accepts Visa. It cannot be used instore.

  5. the Eligible Entrant must maintain the Eligible Product up to the date of the Offer being applied to the active policy, being 14 January 2021. The
    Offer will be forfeited if not an active policyholder on this date.

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closed Comments

  • [Deactivated] on 08/10/2020 - 15:22

    Extras policy is a bit of a scam:
    1. Scam for those that are not aware - it is not required to avoid medicare levy surcharge
    2. Not value for money - ones that claim legitimately, very to make it good value for money.

    • mwahahaha on 08/10/2020 - 16:04

      I wear glasses/contacts and go to the dentist otherwise I'm fit and healthy. So I get more value out of extras than I do anything else. If you go to your providers own dentists it's usually no gap I know that HCF, BUPA and NIB all have their own dentists.

      • [Deactivated] on 08/10/2020 - 16:06

        We pay for it ourselves. $ wise, works out better than Extras cover.

        Hospital cover purely due to the silly MLS.

  • PinzVidz on 08/10/2020 - 15:27
    +2

    I wouldn't throw one cent at NIB.

    https://www.businessinsider.com.au/medicare-nib-boss-scrap-y…

  • Alialh on 08/10/2020 - 15:37
    +2

    Haven't looked into this deal so maybe my 2c isn't worth anything
    But being someone who works in the medical field (extras as well as medical), I consistently find NIB to be the worst cover for Extras
    Super anecdotal but I definitely wouldn't get it for myself

    • homersyd on 08/10/2020 - 16:06

      what's your recommendation? I'm currently with CBHS and it's not that good, so looking to switch out… Thanks mate
      I'm looking for hospital & at least medium level extras…

      • Alialh on 08/10/2020 - 17:27
        +1

        Contact BUPA and HCF and see which can give you the better deal. Not sure how they are in terms of price but in terms of rebates I find they are the best for Extras when claiming items from patients
        Especially BUPA if you have kids under 18 or 25 and are still studying

        • homersyd on 08/10/2020 - 17:29

          awesome, thanks mate :) will check out BUPA and HCF!

    • [Deactivated] on 08/10/2020 - 16:06
      +1

      You are not alone. :)

  • screensaver on 08/10/2020 - 16:57

    I dont want extras but am forced to get them with this deal. The 7 dollars a week or so will eat into the balance because its for at least 12 weeks so I wort be rushing for this one

  • Spectacular on 08/10/2020 - 20:45
    +1

    For what it's worth, I had NIB hospital + extras for 3 years, then injured myself playing sport.

    Everyone said lucky you have insurance hey!

    Went to claim and NIB advised I was not covered for this specific procedure (tendon repair). Full joint recon, no worries but tendon repair too bad, won't give you a cent…..

    When I asked what pathway to appeal is, telephone operator told me, but closed with "I wouldn't bother if I were you".

    Stay away would be my advice.

    • AT1013 on 08/10/2020 - 21:35
      +2

      Just curious, if tendon repair is not under joint reconstruction, what category is supposed to be under?
      Say here under joint reconstructions on their website
      "Hospital treatment for surgery for joint reconstructions. For example: torn tendons, rotator cuff tears and damaged ligaments."

      • Spectacular on 09/10/2020 - 00:03

        Yeah, from memory that was the crux of the argument I made at the time.

        The "procedure code" (something I didn't know existed until the time) was 47954 - tendon repair. To which they advised meant it was not recon and as it was the most expensive code of 3 others, nullified my access to any benefits.

        Ended up putting 7k on credit card to get it done and took months and formal complaints procedure to get compensation.

        • screensaver on 09/10/2020 - 04:48

          did you go through the private health ombudsman?

          • Spectacular on 09/10/2020 - 12:39

            @screensaver: No, that was the next step though.

            After my initial agitation, NIB said they may have considered the claim if I went to a hospital emergency room for treatment and discharge.

            I Lodged a formal complaint with letters from both a qualified physio and after hours gp who diagnosed the injury that day (not life threatening) so didn't want to needlessly clog the ER.

    • morediscount on 09/10/2020 - 09:43

      @Spectacular so then did you just go with normal medicare ? or did u have to pay for it yourself ?

      • Spectacular on 09/10/2020 - 12:50
        +3

        I put 7k on my credit card to have the surgery done that week.

        Medicare had a substantial wait list (team mate had to wait 9 months for an ACL injury). Unsure if I was duped by the orthopaedic surgeon or not, but they advised the longer I waited for my particular injury, the more difficult it was to treat (tendon retracting further away from anchor point).

        Once NIB agreed to cover the claim, it was not just paid directly. The hospital then needed to quote NIB as they get better rates, NIB pay the hospital, hospital partial refund me etc. Pretty frustrating process while taking painkillers and rehab.

        • morediscount on 09/10/2020 - 13:55
          +1

          ohh that sucks mate… but thanks for the info

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