Carrfields & NIB Group Health:

Ex-Southern Cross Members

Quote and Information Page

This webpage has been designed for employees who are transferring from the Southern Cross Schemes to the NIB initiative on 1/6/2020, so you can gain information about the new policy and its benefits.

 

Using the quote tool, you can also see the costs of adding family members to your workplace health policy.  

Please note that eligible pre-existing conditions will be covered for all family members as long as they apply for cover before 30 August 2020, which is 90 days from June 1. 

Carrfields is providing the Base Plan Hospital Cover for all transferring staff and the policy has an excess payable of  $500 for all employees.

Employees are able to reduce the excess and add additional benefits at their own cost, which will be illustrated in the quote tool. Please ask for a quote should you wish to reduce your excess at your own expense. 

The options you can add to the Base Plan Hospital Cover Include:

 

For yourself:

  • Excess buydown from $500 to $250 or zero.

  • Adding additional benefits: Specialist, GP, or Dental and Optical options.

For your immediate family:

  • Base plan with selected excess: 0, $250, $500, or $1000.

  • Adding additional benefits: Specialist, GP, or Dental and Optical options.

If you wish to decrease your excess, add additional benefits or add your immediate family to the initiative, then complete the form located at the bottom of this webpage. We will then get back to you with a formal quote and the next steps required. 

Thank you for your cooperation and we'll do our best to make this process as smooth as possible.

Nib's website can be found here.

Guidance Video

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Quote Estimation Calculator

Fill in the white squares and drop-down buttons to get a quote estimation based on the level of cover you or your family require. If you are entering details on an iPad or similar device, double-tap the white boxes to select and input.

Cover Details

Base Cover
Provides cover for surgical and medical (non-surgical) hospitalisation.

 

Key features

  • Up to $300,000 per person each policy year for private hospital surgical costs

  • Up to $200,000 per person each policy year for private hospital medical (non-surgical) costs, including cover for cancer treatment

  • Cover for specific major diagnostic tests even when it’s not related to a private surgical or non-surgical treatment, and whether it leads to surgery or not

  • Cover for follow-up check-ups after cancer treatment

  • Cover in New Zealand and Australia, for costs incurred in either country (unless expressly excluded in the policy)

  • Cover for GP minor surgeries such as mole removal

  • A Wellness Benefit – $100 for each adult towards the cost of a health check-up, after each three years of continuous cover

  • ACC top-up – we will top up your ACC claims for any treatment or procedure

  • Cover for obstetrics – we provide cover towards costs of treatment for medical conditions affecting pregnancy

  • Whether or not it’s recommended by your doctor, we’ll pay for accommodation costs for a parent to accompany their child (up to age 20) who needs treatment in a private hospital.

  • Please note a stand-down period of 6 months applies for wisdom teeth.

 

Dental & Optical Option
The Dental and Optical Option is ideal if you have regular trips to the dentist, chiropractor, podiatrist or osteopath, or you need glasses or contacts.* You won’t pay any excess for this option.

 

Key Features

  • Dental treatment: up to $500 each policy year 

  • Eye care: up to $55 each visit, up to $275 each policy year, and up to $330 each policy year for glasses or contact lenses 

  • Ear care: up to $250 each policy year for audiology treatments and up to $250 each policy year for audiometric tests  

  • Spinal care: up to $40 each visit, up to $250 each policy year, and up to $80 each policy year for x-rays                

  • Acupuncture: up to $40 each visit and up to $250 each policy year.

*Covers 80% or 100% of the cost up to the above benefit maximums.  A stand-down period of six months applies if this option is not added within the 90-day period from the commencement of this policy.

Specialist Option
The Specialist Option covers you for specialist consultations and diagnostic procedures that don’t result in hospitalisation. You won’t pay any excess for this option.

 

Key features               

  • Registered specialist consultations: unlimited number of visits                                 

  • General diagnostics: up to $3,000 each policy year for costs such as x-rays, arteriogram, ultrasound, scintigraphy, mammography or visual field test                   

  • Cardiac investigations: up to $60,000 each policy year for costs such as cardiovascular ultrasound, echocardiography and treadmills

 

GP Option
The GP Option is perfect for those wanting to cover some of the day-to-day healthcare costs. This option is particularly useful if you develop a health problem requiring regular GP consultation but you do not qualify for a government high-user card.* You won’t pay any excess for this option.

 

Key features               

  • GP visits: up to $55 each visit, up to 12 GP visits each policy year and up to $200 for each minor surgical procedure                             

  • Prescriptions: up to $15 each prescription, up to $300 each policy year                 

  • Physiotherapy: up to $40 each visit, up to $400 each policy year                

  • An Active Wellness Benefit – $150 for each adult towards the cost of fitness equipment or gym membership, after each two years of continuous cover.

*Covers 80% or 100% of the cost up to the above benefit maximums.  A stand-down period of 90 days applies if this option is not added within the 90-day period from the commencement of this policy.

Form to Complete

Complete this form if you wish to proceed with adding your family and/or dependents to the medical initiative. We will then get back to you with a formal quote and the next steps required.

Schedule a Zoom Meeting

If you wish to contact us to talk through options, use the form below to schedule a 30-minute meeting.

Important Notes:

  • Refer to the policy document for complete terms and conditions.

  • The quote tool on this website was built for your understanding of the total monthly quote and has been verified by nib. 

  • Carrfields Limited is not a financial advisor and is not providing any advice upon the acquisition or disposal of any policies.

  • Neither Carrfields Limited or Aynsley and Associates Limited are able to cancel any insurance or additional benefits on your life or any of your family members. It is solely your responsibility to notify an insurer that you no longer wish to be covered.

  • A copy of Chris Aynsley's disclosure statement is available here.