What all is included in the NIB OSHC health cover? In general, a NIB OSHC policy covers the following: Doctors and specialists: NIB covers 100 per cent of your government-recommended MBS fee for a GP consultation or 85 per cent fee cover for the treatment received from a specialist such as pathologies or radiologists. Hospital visit NIB covers 100 per cent of hospital accommodation and treatment costs as per the staterecommended rate, or 100 per cent of the rate agreed in a private hospital Emergency ambulance cover NIB covers 100 per cent of medically necessary ambulance service by a government-recognized provider. Prescription medications NIB covers up to 50AUD per item for medicines listed on the Pharmaceutical Benefits Scheme (PBS) upon payment of the PBS patient contribution. Prostheses NIB covers 100 per cent for state-approved no-gap prostheses and the least benefit for gapapproved prostheses. How to find a GP or medical specialist? First Choice Providers of NIB International Students are medical centers, specialists, and doctors having a valid agreement with NIB. It is important to go for a First Choice Provider to make sure you have to pay the least amount.
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