Need help? nib Saudi Health Cover. Call us on Mon to Fri: 8am 8.30pm Sat: 8am 1pm (AEST) Go to nib.com.au/saudihealth

Transcription

1 Need help? nib Saudi Health Cover Call us on Mon to Fri: 8am 8.30pm Sat: 8am 1pm (AEST) Go to nib.com.au/saudihealth Students nib health funds limited abn Head Office 22 Honeysuckle Drive Newcastle NSW 2300 nib340505_0515

2 Welcome to nib We hope you have an exciting and enjoyable time in Australia. Taking care of your health is essential for a happy and successful visit to a new country. At nib, we believe that health cover should be easy to use, easy to understand and most of all good value. Why over 1 million customers trust nib in Australia and New Zealand Over 60 years experience in providing health cover Dedicated Customer Service Team Easy mobile claiming 24 hour Online Services Contents Overseas Student Health Cover (OSHC) 3 Overseas Student Health Cover (OSHC) nib Saudi Health Cover Meets the DIBP visa requirements Provides cover for medical and hospital treatment if you get sick or have an accident while you are studying in Australia Covers you Australia wide for emergency ambulance transport Who can be covered under nib Saudi Health Cover Singles cover for only you. 01 As you are aware international students who wish to study in Australia are required as part of their visa application through the Department of Immigration and Border Protection (DIBP) to show proof they have purchased relevant health insurance. Couples covers both you and your partner if they live with you in Australia and are listed on your visa. Families covers you, your partner and any dependent children aged under 18 living with you in Australia and listed on your visa. nib Saudi Health Cover 4 nib Online Services 8 Seeking medical treatment 9 The information contained in this product information brochure is current as at 20 April This brochure is a summary of the key features of the nib International Students Fund Rules Extract and Product Information and should be read in conjunction with these Fund Rules available at nib.com.au/saudihealth or by calling Please read this brochure and keep a copy for your records. Rules and benefits may change from time to time. nib Saudi Health Cover provides peace of mind in knowing that you are covered for those unexpected health needs. If you have any questions please call

3 nib Saudi Health Cover 02 General Exclusions Exclusions are services not covered under your health cover. You will not receive a benefit for the services listed below. General exclusions applying to all benefits (including dental and optical) As a valued Saudi Scholarship student the Saudi Arabian Cultural Mission has chosen comprehensive health insurance for you. nib Saudi Health Cover will help you pay for medical, hospital treatment plus Extras services (such as dental, optical, physiotherapy, etc) you may need should you get sick or have an accident while you are in Australia. The following is an explanation of your Saudi Health Cover. Medical services covered in-hospital 100% of the cost of public and private hospital accommodation for overnight and same day stays 100% of the cost of operating theatre, intensive care, ward fees 100% of the benefit for approved surgically implanted prosthetic devices as determined by the Federal Government 100% of the cost for medical treatment provided in a hospital includes: Doctors and Specialists Pathology and Diagnostic Imaging. If you are considering bariatric surgery benefits may be paid at a lower benefit. Please contact nib for more details Medical services covered out-of-hospital Doctor visits 100% of the cost of service for consultations with a doctor for day-to-day health needs Specialist services 100% of the cost of specialist services and treatment to support day-to-day health needs, usually as requested by a doctor, such as: Pathology Diagnostic Imaging. Emergency Ambulance 100% of medically necessary transport provided by a State and Territory Ambulance Service MRIs MRI scans are only payable by nib if all three (3) of the following criteria are met: The MRI must be referred by a registered specialist medical practitioner and The MRI must be listed on the Medicare Benefits Schedule (MBS) and have an eligible Medicare Item Number and The MRI must be performed on a Medicare Eligible MRI Unit by a Medicare eligible provider. Elective cosmetic surgery (including gender reassignment and surgery) only where services are not listed on the Medicare Benefits Schedule Organ donor treatment where services are not listed on the Medicare Benefits Schedule, unless expressly provided otherwise Treatment considered not medically necessary (e.g. health screening for visa renewals) Treatment outside of Australia or arranged before arriving in Australia Luxury hospital rooms and other non-essential items like TV hire, beauty treatments and phone calls Items and services delivered by providers not recognised by nib Contraception Allergy testing, unless prescribed by a physician or other registered medical practitioner for an illness covered under the policy Alopecia, wigs and toupees Any care, service, equipment or treatment obtained for testing, research or experimental purposes Treatment by physicians or practitioners who are not licensed or registered in accordance with applicable regulatory requirements Treatment at facilities which are not licensed or registered in accordance with applicable regulatory requirements Medical appointments not kept or complied with Any cost or expenses incurred after the expiry date of the coverage, except in respect of the claims accepted by the Service Provider before the expiry date of the coverage Claims which contain inaccurate or false information Services where a customer is eligible to receive benefits from a liable third party (e.g. under Compulsory Third Party insurance or Worker s Compensation insurance) Any duplication of service or medical supplies Any service or medical supplies received through any relatives of the Insured Any service or medical supplies received free of charge If you have any questions please call This product information is intended as a summary only and for further information please visit nib.com.au/saudihealth This product information is intended as a summary only and for further information please visit nib.com.au/saudihealth 5

4 Saudi Health Cover Students Extras Cover Extras Cover (additional services covered) Annual Limit (maximum amount claimable per person in a calendar year) General dental Major dental (excludes implants unless as a result of an accident) Orthodontia^ (Lifetime limit $3,500) Combined dental annual limit $5,500 *Dental services required as a result of an accident 100% (Proof of accident required. Benefits will be paid from annual limits first.) ^Orthodontia: Only payable if medically necessary and has a $3,500 lifetime limit. Optical $300 Physiotherapy Acupuncture Chiropractic Osteopathy Podiatry Exercise physiology Pharmaceuticals (PBS, non-pbs, listed on the ARTG & Mims published) Speech Therapies Home nursing Combined annual limit $500 *100% coverage for therapy due to an accident or surgical procedure (pre-operative & post-operative care). Includes physiotherapy, chiro, osteo. Proof will be required before benefits paid. Unlimited Extras Exclusions Optical exclusions (in addition to the General Exclusions) Laser eye surgery to correct or improve vision (unless listed on MBS) Cosmetic contact lenses Replacement of glasses or lenses due to theft or loss Occupational therapy Antenatal & postnatal services (such as classes & lactation) Hearing aids Artificial aids annual limit $12,000 (please contact nib for specific replacement limits) (please contact nib for specific inclusions, restrictions and replacements) Dental exclusions (in addition to the General Exclusions) Any procedure related to the correction of vertical dimensions of the jaw, except as required as a result of an accident during the policy period Artificial teeth, or part thereof, except as required as a result of an accident during the policy period. Artificial teeth mean fabricated teeth made of porcelain or other synthetic compound as imitation of natural teeth Replacement of bridges, crowns and dentures, where repair is possible If you have any questions please call This product information is intended as a summary only and for further information please visit nib.com.au/saudihealth This product information is intended as a summary only and for further information please visit nib.com.au/saudihealth 7

5 nib Online Services Seeking medical treatment nib Online Services Our Online Services makes it easy for you to manage and access your health cover at anytime and anywhere. To register for nib Online Services visit nib.com.au Update your contact details, e.g. your Australian address and bank account details View your health cover and what you are covered for Submit a claim View your claims history Order a replacement customer card When to see a doctor or specialist If it is not an emergency and you are feeling unwell visit your local doctor. In Australia a doctor is called a GP (or General Practitioner ). A GP can prescribe treatments or medicines. A GP may refer you to a specialist for further investigations or treatment. What if it is a medical emergency In the event that you have a medical emergency for example a life threatening illness or a serious injury that needs immediate attention, then you should go to the nearest hospital emergency department. If your condition is serious and you cannot get yourself to a hospital, call 000 for an ambulance. Claim in a snap with the nib App. Available for iphone, ipad and Android Download the free nib App today Upload a photo of your official provider receipt Benefit is paid directly into your bank account Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. iphone is a trademark of Apple Inc. Healthdirect Australia Provides access to health information and advice over the phone. To talk to a registered nurse call Healthdirect Australia on or visit healthdirect.gov.au for health information. Available 24 hours a day, 7 days a week. Healthdirect Australia does not provide a health diagnosis and does not replace the services of a doctor or hospital emergency department. 8 This product information is intended as a summary only and for further information please visit nib.com.au/saudihealth This product information is intended as a summary only and for further information please visit nib.com.au/saudihealth 9

6 10 11