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nib have designed their health cover to suit the needs of someone your age, so you’re covered for things you’re more likely to need and not paying for the things you won’t.
The features you'll want from your health fund will depend on where you're at in life, for example if you're young and healthy you're not going to need a hip replacement. nib have made their covers affordable by choosing what's included and excluded.
You'll know exactly what procedures your are covered for and those that are not with your hospital cover. Of course, accommodation and theater expenses are paid for any hospital procedure included in your health insurance.
