Qantas Bronze Hospital Plus

Included Hospital Services

A Blood A Ear, nose and throat A Male reproductive system
A Bone, joint and muscle A Eye (not cataracts) A Miscarriage and termination
A Brain and nervous system A Gastrointestinal endoscopy of pregnancy
A Breast surgery (medically necessary) A Gynaecology A Pain management
A Chemotherapy, radiotherapy and A Hernia and appendix A Palliative care (MBP only2)
immunotherapy for cancer A Hospital psychiatric services A Podiatric surgery (provided by a
A Dental surgery1 (MBP only2) registered podiatric surgeon)3
A Diabetes management (excluding A Joint reconstructions A Rehabilitation (MBP only2)
insulin pumps) A Kidney and bladder A Skin
A Digestive system A Lung and chest A Tonsils, adenoids and grommets
1 This product does not cover benefits for dentists’ fees in hospital. However, other hospital costs related to dental surgery (anaesthetist fees, hospital fees)
will be covered in line with the benefits provided by the policy. Dentists’ fees in hospital are covered when an extras product is held.
2 Minimum Benefits Payable (MBP) means that we will pay the minimum amount of benefits that we are required to pay under the Private Health Insurance Act, to or on
behalf of a member for hospital treatment under a Hospital cover. If you’re attending a Private Hospital for these services, there will be significant out-of-pocket costs.
If a treatment important to you is listed as MBP, we recommend you consider a higher level of cover
3 Hospital Treatment provided by a registered podiatric surgeon is limited to cover for accommodation and prosthetic devices. No benefits are payable for
podiatric surgeon fees, medical specialist fees (e.g. anaesthetist) or theatre costs. Refer to the Policy Booklet for more information.

Other Included Services

Accidental Injury Benefit - Cover for accidental injury after just 1 day on this policy.
A Immediate and necessary hospital treatment as an admitted patient required as a result of an accident.
A This requires treatment to be sought at a hospital emergency department or through a medical
practitioner within 72 hours after the accident to receive benefits in-line with our best level of
hospital cover for the next 90 days.
Ambulance - Emergency ambulance transport4.
4 Excludes residents of QLD and TAS who have ambulance services provided by their State ambulance schemes.

Excluded Hospital Services

A Assisted reproductive services A Implantation of hearing devices A Pregnancy and birth
A Back, neck and spine A Insulin pumps A Procedures not covered by Medicare
A Cataracts A Joint replacements A Sleep studies
A Cosmetic surgery A Pain management with device A Weight loss surgery
A Dialysis for chronic kidney failure A Plastic and reconstructive surgery
A Heart and vascular system (medically necessary)

Standard Waiting Periods

■ 1 day - Accidental injury
■ 1 day - Ambulance services
■ 2 months5 - Hospital psychiatric services
■ 2 months - Rehabilitation or palliative care services (whether pre-existing or not)
■ 2 months - Any other conditions requiring hospitalisation that aren’t pre-existing
■ 12 months - Pre-existing conditions (where the symptoms were evident at any time during the 6 months immediately prior to joining or
upgrading products as determined by our medical practitioner) except hospital psychiatric services, rehabilitation or palliative care services
5 Members who hold this product may be able to waive the 2 month waiting period for hospital psychiatric services when upgrading to a product with a higher
hospital psychiatric services benefit. The Mental Health Waiver is only available to members who have held hospital cover for at least the previous 2 months,
have not previously used their waiver with us or any other fund, have been admitted to a hospital and are under the care of an Addiction Medicine Specialist or
or call
Consultant Psychiatrist.
qantas.com/healthinsurance 13 49 60 - Qantas Bronze Hospital Plus 1/2

This document is issued by nib health funds limited ABN 83 000 124 381 (nib), a registered private health insurer, and is arranged by Qantas Airways Limited ABN 16 009 661 901 as an authorised
agent of nib, for which it receives a commission. The information contained in this statement is correct as at 9 March 2021 and is intended as a summary only. It should be read in conjunction
with the Policy Booklet. For information on how you can seek access to, or correct your personal information, or make a complaint about a breach of privacy, please refer to privacy policies
at nib.com.au/privacy and qantas.com/privacy nib359116_02022021
 Qantas Bronze Hospital Plus
Always call
We can help you minimise out-of-pocket expenses for hospital related fees
us first if you
■ To help you reduce or eliminate out-of-pocket expenses choose a private hospital or day facility that has an
need to go to
agreement with us.
hospital on
■ Ask your doctor or specialist to participate in our MediGap Scheme to eliminate the ‘gap’ for their in-hospital fees.
13 49 60

What is Covered In-Hospital at Agreement Private Hospitals and Public Hospitals

When you’re admitted as a private patient in a private hospital that has an agreement with us, or a public hospital, we will
pay towards the cost of the following things that relate to Included Hospital Services on Qantas Bronze Hospital Plus cover
(out-of-pocket expenses may apply to these services 6):
A Selected medical admissions relating directly to included A Allied health services (e.g. physiotherapy, occupational therapy)
services on Qantas Bronze Hospital Plus cover A Pharmaceuticals approved by the Pharmaceutical Benefits
A Medical treatments not requiring surgery, investigative Scheme required for specific treatment when in hospital
procedures and surgeries A Ward-drugs and sundry medical supplies
A Day surgery (e.g. bandages, painkillers)
A Overnight accommodation (private room where available) A Nursing care
A Special care unit accommodation (e.g. intensive care) A Patient meals
A Operating theatre fees A Common treatments and support treatments7
A Doctors’ surgical fees and in-hospital consultations A Associated treatment for complications and associated
A Government approved prosthetic devices unplanned treatment8
6 Refer to the Policy Booklet for more information on out-of-pocket expenses.
7 Common treatments means a number of Medical Benefits Schedule (MBS) items commonly used across services covered by your policy. Support treatments
means a number of MBS items used to support a principal treatment covered by your policy. Common and support treatments will be covered in line with the
level of cover your product provides for the principal treatment. Refer to the Policy Booklet for more information.
8 Associated treatment for complications means treatment provided during an episode of covered hospital treatment to address a complication that arises
during that episode. Associated unplanned treatment means unplanned treatment provided during an episode of covered planned surgery that is, in the view
of the medical practitioner providing the unplanned treatment, medically necessary and urgent. Associated treatments will be covered in line with the level of
cover your product provides for the principal treatment. Refer to the Policy Booklet for more information.

What is Covered In-Hospital at a Non-Agreement Private Hospital

If you choose to be treated at a private hospital that does not have an agreement with us, we will pay towards the costs of the
services listed above but you are likely to incur greater out-of-pocket expenses for most hospital related services than you
would at an agreement hospital.

Hospital Excess
A hospital excess is the amount you pay towards the cost of a hospital stay before any benefits
are payable by us. A higher excess means your premiums with us will be lower.
You only pay an excess if you or someone (other than a dependant child under 21 years
of age) on your policy goes to hospital. The excess applies per person per calendar
year and is payable directly to the hospital prior to your admission. The excess for
couples, single parents and families is capped at twice the chosen level of excess in
any calendar year.
Please note: If you’ve recently switched hospital covers your previous
level of excess may apply for up to 12 months for pre-existing conditions.
Refer to the Policy Booklet for more information.
or call
qantas.com/healthinsurance 13 49 60 - Qantas Bronze Hospital Plus 2/2

This document is issued by nib health funds limited ABN 83 000 124 381 (nib), a registered private health insurer, and is arranged by Qantas Airways Limited ABN 16 009 661 901 as an authorised
agent of nib, for which it receives a commission. The information contained in this statement is correct as at 9 March 2021 and is intended as a summary only. It should be read in conjunction
with the Policy Booklet. For information on how you can seek access to, or correct your personal information, or make a complaint about a breach of privacy, please refer to privacy policies
at nib.com.au/privacy and qantas.com/privacy nib359116_02022021