nib United Gold Resident Cover
A Gold hospital and extras policy from nib.
- Corporate policy, sold through employers and associations.
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, VIC, no excess, before the rebate.
- Medicare levy surcharge
- Exempts you
- Excess options
- None
- Ambulance
- Emergency only, call-out fees included, no limit
- Who can join
- Through an employer or group
The Private Health Information Statement for this price, on PrivateHealth.gov.au.
nib's page for this policyAgainst every other Gold hospital and extras policy in NSW & ACT
Single cover, each policy at its cheapest excess, corporate and restricted policies included.
- Gold84 policies$562.5673rd cheapest of 84
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.
No excess
All 38 clinical categories covered in full
- Covered in full38
Covered 38
- 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
- Hospital psychiatric services
- 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
- Palliative care
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Rehabilitation
- Skin
- Sleep studies
- Tonsils, adenoids and grommets
- Weight loss surgery
Waiting periods
- Pre-existing conditions
- None
- Pregnancy and birth
- None
- Psychiatric, rehabilitation and palliative care
- None
- All other hospital treatment
- None
Excess and other costs
No excess on any version of this policy.
Pays towards 25 of 27 standard services
Yearly limits, per person, against the typical policy
- General dentalshared with major dental, endodontic (root canals), orthodontics$2,500typical policy $800
- Major dentalshared with general dental, endodontic (root canals), orthodontics$2,500typical policy $1,000
- Optical$350typical policy $220
- PsychologyNo annual limittypical policy $400
What it pays on common claims, against the typical policy
- Periodic oral exam (item 012)100% of the feetypical policy $35.20
- Scale and clean (item 114)100% of the feetypical policy $66.85
- Full crown, veneered (item 615)80% of the feetypical policy $773.80
- Single vision lenses and frames100% of the feetypical policy $220.00
- Physiotherapy, first visit100% of the feetypical policy $42.00
- Psychology, first visit100% of the feetypical policy $75.00
| Service | Waiting period | Yearly limit, per person | Example benefits (all states) |
|---|---|---|---|
| General dental | None | $2,500shared with major dental, endodontic (root canals), orthodontics | Periodic oral exam (item 012): 100%Scale and clean (item 114): 100%Fluoride treatment (item 121): 100% |
| Major dental | None | $2,500shared with general dental, endodontic (root canals), orthodontics | Surgical extraction (item 322): 80%Full crown, veneered (item 615): 80% |
| Endodontic (root canals) | None | $2,500shared with general dental, major dental, orthodontics | Root canal filling (item 417): 80% |
| Orthodontics | None | $2,500shared with general dental, major dental, endodontic (root canals) | Braces, upper and lower, with retainer (item 881): 60% |
| Optical | None | $350 | Multifocal lenses and frames: 100%Single vision lenses and frames: 100% |
| Non-PBS medicines | None | No annual limit | Non-PBS prescription: 100% |
| Physiotherapy | None | 40 every yearshared with exercise physiology | Physiotherapy, first visit: 100%Physiotherapy, later visit: 100% |
| Chiropractic | None | 40 every yearshared with osteopathy | Chiropractic, first visit: 100%Chiropractic, later visit: 100% |
| Podiatry | None | No annual limit | Podiatry, first visit: 100%Podiatry, later visit: 100% |
| Psychology | None | No annual limit | Psychology, first visit: 100%Psychology, later visit: 100% |
| Acupuncture | None | No annual limitshared with remedial massage, chinese herbal medicine | Acupuncture, first visit: 100%Acupuncture, later visit: 100% |
| Remedial massage | None | No annual limitshared with acupuncture, chinese herbal medicine | Remedial massage, first visit: 100%Remedial massage, later visit: 100% |
| Hearing aids | None | $5,000, 2 every 5 years | Hearing aid: 100% |
| Blood glucose monitors | None | $5,000shared with orthotics | Blood glucose monitor: 100% |
| Antenatal and postnatal | None | No annual limit | Antenatal and postnatal, first visit: 100%Antenatal and postnatal, later visit: 100% |
| Chinese herbal medicine | None | No annual limitshared with acupuncture, remedial massage | Chinese herbal medicine, first visit: 100%Chinese herbal medicine, later visit: 100% |
| Dietetics | None | No annual limit | Dietetics, first visit: 100%Dietetics, later visit: 100% |
| Exercise physiology | None | 40 every yearshared with physiotherapy | Exercise physiology, first visit: 100%Exercise physiology, later visit: 100% |
| Orthoptics | None | 20 every year | Orthoptics, first visit: 100%Orthoptics, later visit: 100% |
| Health management programs | None | $250 | Health management program: 100% |
| Home nursing | None | No annual limit | Home nursing, first visit: 100%Home nursing, later visit: 100% |
| Occupational therapy | None | 20 every year | Occupational therapy, first visit: 100%Occupational therapy, later visit: 100% |
| Orthotics | None | $5,000shared with blood glucose monitors | Orthotics: 100% |
| Osteopathy | None | 40 every yearshared with chiropractic | Osteopathy, first visit: 100%Osteopathy, later visit: 100% |
| Speech therapy | None | 20 every year | Speech therapy, first visit: 100%Speech therapy, later visit: 100% |
Not covered: audiology, vaccinations.
Other services: Preventative Tests (no annual limit) e.g. thin prep, bone density testing, bowel screening and breast screening. Artificial aids / Orthotics / Speech processor (annual limit $5,000) e.g. spacer, peak flow meter, nebuliser, blood glucose monitor, orthotic appliances, Irlen lens (service limits apply). Myotherapy: Included in Natural Therapies benefit (no annual limit) along with acupuncture, remedial massage and Chinese herbalism. Healthier Lifestyle includes nib approved weight management, quit smoking and health management programs (gym, personal trainer) and more. Psychology has a sublimit of $150 for Digital Cognitive Behavioural Therapy (CBT).
From the insurer: We do not have a preferred-provider-network-arrangement but operate a MediGap scheme aiming to eliminate the 'gap' payments for specialist fees in hospital. When a specialist chooses to participate in MediGap, they agree not to charge an out-of-pocket expense for your procedure. We do this by building a network of specialists who may agree to receive a higher benefit from us than they would ordinarily receive. In exchange, they do not charge you an out-of-pocket expense. Ask your specialist if they'll MediGap for you!
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.