Basic Kickstarter
A Basic hospital and extras policy from nib.
Premiums for every state, cover type and excess this policy is sold with, and what it covers, from the statement nib files with the government. Monthly, before the rebate and any Lifetime Health Cover loading.
From
Single, NT, $750 excess, before the rebate.
- Medicare levy surcharge
- Exempts you
- Excess options
- $500, $750
- Ambulance
- Emergency only, call-out fees included, no limit
- Who can join
- Anyone
The Private Health Information Statement for this price, on PrivateHealth.gov.au.
nib's page for this policyAgainst every other Basic hospital and extras policy in NSW & ACT
Single cover, each policy at its cheapest excess, counting policies anyone can buy.
- Basic95 policies$145.207th cheapest of 95
Monthly premium by state and cover type
NSW prices also apply in the ACT. Each price in the tables opens its official Private Health Information Statement on PrivateHealth.gov.au, with a PDF to download.
Single premium in each state
To the nearest dollar, a month before the rebate. The tables below have every price to the cent.
What a higher excess saves
Single cover in NSW & ACT, a month. The excess is what you pay towards a hospital stay before the policy pays.
- $500 excess$161.67
- $750 excess$16.47 less than $500 excess$145.20
$500 excess
| State | Single | Couple | Family | Single parent | Extended family |
|---|---|---|---|---|---|
| NSW & ACT | $161.67 | $323.34 | $323.34 | $323.34 | $401.79 |
| VIC | $158.21 | $316.42 | $316.42 | $316.42 | $395.53 |
| QLD | $159.88 | $319.76 | $319.76 | $319.76 | $399.70 |
| SA | $157.85 | $315.70 | $315.70 | $315.70 | $394.63 |
| WA | $135.01 | $270.02 | $270.02 | $270.02 | $337.53 |
| TAS | $157.31 | $314.62 | $314.62 | $314.62 | $393.27 |
| NT | $123.14 | $246.28 | $246.28 | $246.28 | $307.85 |
$750 excess
| State | Single | Couple | Family | Single parent | Extended family |
|---|---|---|---|---|---|
| NSW & ACT | $145.20 | $290.38 | $290.38 | $290.38 | $360.60 |
| VIC | $142.10 | $284.19 | $284.19 | $284.19 | $355.24 |
| QLD | $144.58 | $289.16 | $289.16 | $289.16 | $361.45 |
| SA | $141.51 | $283.02 | $283.02 | $283.02 | $353.78 |
| WA | $120.02 | $240.05 | $240.05 | $240.05 | $300.06 |
| TAS | $139.12 | $278.24 | $278.24 | $278.24 | $347.80 |
| NT | $108.60 | $217.21 | $217.21 | $217.21 | $271.51 |
0 of 38 clinical categories covered in full, 3 restricted
Restricted means the policy pays only the minimum, about what a public hospital charges, so a private hospital stay can leave a large bill. Not covered means the policy pays nothing for that treatment in hospital.
- Restricted3
- Not covered35
Restricted 3
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Not covered 35
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dental surgery
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Hernia and appendix
- Implantation of hearing devices
- Insulin pumps
- Joint reconstructions
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Tonsils, adenoids and grommets
- Weight loss surgery
Waiting periods
- Pre-existing conditions
- 12 months
- Psychiatric, rehabilitation and palliative care
- 2 months
- All other hospital treatment
- 2 months
Excess and other costs
Excess options: $500, $750, paid when you are admitted.
Offers the age-based discount for people who join between 18 and 29.
From the insurer: Basic Kickstarter only provides private hospital cover for nibs Accidental Injury Benefit. Palliative care , Hospital psychiatric services and Rehabilitation are paid at minimum benefits payable only. If this treatment is important to you, we recommend you consider a higher level of cover.
Pays towards 9 of 27 standard services
Yearly limits, per person, against the typical policy
- General dental$200typical policy $800
- Physiotherapy$150typical policy $450
- Chiropracticshared with osteopathy$150typical policy $400
What it pays on common claims, against the typical policy
- Periodic oral exam (item 012)$35.20typical policy $35.20
- Scale and clean (item 114)$66.85typical policy $66.85
- Physiotherapy, first visit50% of the feetypical policy $42.00
| Service | Waiting period | Yearly limit, per person | Example benefits (all states) |
|---|---|---|---|
| General dental | 2 months | $200 | Periodic oral exam (item 012): $35.20Scale and clean (item 114): $66.85Fluoride treatment (item 121): $21.85 |
| Non-PBS medicines | 2 months | $100 | Non-PBS prescription: 50% |
| Physiotherapy | 2 months | $150 | Physiotherapy, first visit: 50%Physiotherapy, later visit: 50% |
| Chiropractic | 2 months | $150shared with osteopathy | Chiropractic, first visit: 50%Chiropractic, later visit: 50% |
| Acupuncture | 2 months | $100shared with chinese herbal medicine | Acupuncture, first visit: 50%Acupuncture, later visit: 50% |
| Chinese herbal medicine | 2 months | $100shared with acupuncture | Chinese herbal medicine, first visit: 50%Chinese herbal medicine, later visit: 50% |
| Dietetics | 2 months | $150 | Dietetics, first visit: 50%Dietetics, later visit: 50% |
| Exercise physiology | 2 months | $100 | Exercise physiology, first visit: 50%Exercise physiology, later visit: 50% |
| Osteopathy | 2 months | $150shared with chiropractic | Osteopathy, first visit: 50%Osteopathy, later visit: 50% |
Not covered: major dental, endodontic (root canals), orthodontics, optical, podiatry, psychology, remedial massage, hearing aids, blood glucose monitors, audiology, antenatal and postnatal, orthoptics, health management programs, home nursing, occupational therapy, orthotics, speech therapy, vaccinations.
Other services: Preventative Tests - $100 limit per person per calendar year (waiting period 6 months): 50% back on preventative health test e.g. thin prep, bone density testing, bowel screening (service limits apply). Myotherapy - $100 combined limit with acupuncture and Chinese herbalism per person per calendar year (waiting period 2 months).
From the insurer: If you’re looking to take out cover for the first time, Kickstarter could help you avoid paying extra tax. Of course, you can see your choice of provider, but by choosing a FirstChoice provider, you may have less to pay towards the cost of your treatment. We’ve created the FirstChoice network to help you access quality healthcare and a better deal for you and your family. We’ve locked in lower costs with our FirstChoice providers, so you can enjoy competitive treatment fees when you visit the dentist or a discount the next time you claim for glasses.
Example benefits are what the policy pays for that item at a provider without a special arrangement with the insurer; a percentage is of the fee charged. The typical policy is the middle one of the 708 extras policies on the market that aren't sold only through employers.
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Source: PrivateHealth.gov.au data (Private Health Insurance Ombudsman) via data.gov.au, licensed CC BY 3.0 AU. Normalised by The Finance Algorithm from the extract dated 1 Oct 2026, read on 23 Oct 2026.
Premiums are monthly and shown before the Australian Government rebate and any Lifetime Health Cover loading or age-based discount. Confirm the price and the cover with the insurer before you buy; the official statement for every policy is on PrivateHealth.gov.au. This is general information, not advice, and no insurer pays to be listed or ranked here.