Private Health Insurance - Example XML File

NIB-J20-N0500S.xml

<?xml version="1.0"?>
<Product xmlns="http://admin.privatehealth.gov.au/ws/Schemas" ProductID="cbccc173-486f-413d-b01f-2aa14e17da34" FundID="669a2e89-165a-4419-b1a8-f1e01db76178" ProductCode="J20/N0500S" Iteration="9" Status="Approved" StatusDate="2014-02-13T11:19:00" DateModified="2014-02-04T12:06:00" DateCreated="2014-02-04T12:06:00" PublishDate="01-Apr-14 00:00" DateApproved="2014-02-13T11:19:44">
  <FundCode>NIB</FundCode>
  <TableCode>J20</TableCode>
  <Name>Basic Saver $250 Excess</Name>
  <ProductStatus>Open</ProductStatus>
  <DateValidFrom>2014-04-01</DateValidFrom>
  <DateIssued>2014-04-01</DateIssued>
  <State>NSW</State>
  <Category>Single</Category>
  <ProductType>Combined</ProductType>
  <MedicareLevySurchargeExempt>true</MedicareLevySurchargeExempt>
  <PremiumNoRebate>106.60</PremiumNoRebate>
  <Premium>106.60</Premium>
  <PremiumHospitalComponent>46.79</PremiumHospitalComponent>
  <HospitalCover GapCoverProvided="true">
    <ClassificationHospital>Budget</ClassificationHospital>
    <Accommodation>PrivateOrPublic</Accommodation>
    <HospitalAmbulance>Full</HospitalAmbulance>
    <MedicalServices OtherExclusions="true" OtherRestrictions="true" OtherBLP="false">
      <MedicalService Title="Cardiac" Cover="Restricted" Partial="false"/>
      <MedicalService Title="CataractEyeLens" Cover="NotCovered" Partial="false"/>
      <MedicalService Title="Obstetric" Cover="NotCovered" Partial="false"/>
      <MedicalService Title="AssistedReproductive" Cover="NotCovered" Partial="false"/>
      <MedicalService Title="JointReplacementAll" Cover="NotCovered" Partial="false"/>
      <MedicalService Title="RenalDialysis" Cover="NotCovered" Partial="false"/>
      <MedicalService Title="Podiatric" Cover="Restricted" Partial="true"/>
      <MedicalService Title="GastricBanding" Cover="NotCovered" Partial="false"/>
      <MedicalService Title="Sterilisation" Cover="Restricted" Partial="false"/>
      <MedicalService Title="PlasticNonCosmetic" Cover="Restricted" Partial="false"/>
      <MedicalService Title="Rehabilitation" Cover="Restricted" Partial="false"/>
      <MedicalService Title="Psychiatric" Cover="Restricted" Partial="false"/>
      <MedicalService Title="Palliative" Cover="Restricted" Partial="false"/>
      <MedicalService Title="NonMedicare" Cover="NotCovered" Partial="false"/>
    </MedicalServices>
    <WaitingPeriods>
      <WaitingPeriod Title="SubAcute" Unit="Month">2</WaitingPeriod>
      <WaitingPeriod Title="PreExisting" Unit="Month">12</WaitingPeriod>
      <WaitingPeriod Title="Other" Unit="Month">2</WaitingPeriod>
      <WaitingPeriod Title="Ambulance" Unit="Day">1</WaitingPeriod>
    </WaitingPeriods>
    <Excesses ExcessType="LimitedPerYear">
      <ExcessPerAdmission>250</ExcessPerAdmission>
      <ExcessPerPolicy>500</ExcessPerPolicy>
    </Excesses>
    <CoPayments CoPaymentType="None"/>
    <OtherProductFeatures>Basic Saver only provides private hospital cover for: Accidents, removal of teeth (including wisdom teeth), minor knee, hip &amp; shoulder investigations, removal of tonsils, removal of appendix, minor hernia surgery. Full details are provided on nib.com.au or call our customer care on 13 14 63</OtherProductFeatures>
  </HospitalCover>
  <GeneralHealthCover>
    <ClassificationGeneralHealth>Budget</ClassificationGeneralHealth>
    <PreferredProviderServices>
      <List>
        <Service>Dental</Service>
        <Service>Optical</Service>
      </List>
    </PreferredProviderServices>
    <GeneralHealthServices>
      <GeneralHealthService Title="DentalGeneral" Covered="1" HasSpecialFeatures="1">
        <WaitingPeriod>2</WaitingPeriod>
        <BenefitLimitsGroup>DentalGeneral</BenefitLimitsGroup>
        <BenefitsList>
          <Benefit Item="DentalGeneral012PeriodicExam" Type="Percent">50</Benefit>
          <Benefit Item="DentalGeneral114ScaleClean" Type="Percent">50</Benefit>
          <Benefit Item="DentalGeneral121Fluoride" Type="Percent">50</Benefit>
          <Benefit Item="DentalGeneral322Extraction" Type="Percent">50</Benefit>
        </BenefitsList>
      </GeneralHealthService>
      <GeneralHealthService Title="DentalMajor" Covered="0" HasSpecialFeatures="0"/>
      <GeneralHealthService Title="Endodontic" Covered="0" HasSpecialFeatures="0"/>
      <GeneralHealthService Title="Orthodontic" Covered="0" HasSpecialFeatures="0"/>
      <GeneralHealthService Title="Optical" Covered="1" HasSpecialFeatures="0">
        <WaitingPeriod>6</WaitingPeriod>
        <BenefitLimitsGroup>Optical</BenefitLimitsGroup>
        <BenefitsList>
          <Benefit Item="OpticalSingleVisionLenses" Type="Percent">50</Benefit>
          <Benefit Item="OpticalMultiFocalLenses" Type="Percent">50</Benefit>
        </BenefitsList>
      </GeneralHealthService>
      <GeneralHealthService xmlns="http://admin.privatehealth.gov.au/ws/Schemas" Title="NonPBS" Covered="0" HasSpecialFeatures="0"/>
      <GeneralHealthService Title="Physiotherapy" Covered="1" HasSpecialFeatures="0">
        <WaitingPeriod>2</WaitingPeriod>
        <BenefitLimitsGroup>Physiotherapy</BenefitLimitsGroup>
        <BenefitsList>
          <Benefit Item="PhysiotherapyInitial" Type="Percent">50</Benefit>
          <Benefit Item="PhysiotherapySubsequent" Type="Percent">50</Benefit>
        </BenefitsList>
      </GeneralHealthService>
      <GeneralHealthService Title="Chiropractic" Covered="1" HasSpecialFeatures="0">
        <WaitingPeriod>2</WaitingPeriod>
        <BenefitLimitsGroup>Physiotherapy</BenefitLimitsGroup>
        <BenefitsList>
          <Benefit Item="ChiropracticInitial" Type="Percent">50</Benefit>
          <Benefit Item="ChiropracticSubsequent" Type="Percent">50</Benefit>
        </BenefitsList>
      </GeneralHealthService>
      <GeneralHealthService Title="Podiatry" Covered="0" HasSpecialFeatures="0"/>
      <GeneralHealthService Title="Psychology" Covered="0" HasSpecialFeatures="0"/>
      <GeneralHealthService Title="Acupuncture" Covered="1" HasSpecialFeatures="0">
        <WaitingPeriod>2</WaitingPeriod>
        <BenefitLimitsGroup>Acupuncture</BenefitLimitsGroup>
        <BenefitsList>
          <Benefit Item="AcupunctureInitial" Type="Percent">50</Benefit>
          <Benefit Item="AcupunctureSubsequent" Type="Percent">50</Benefit>
        </BenefitsList>
      </GeneralHealthService>
      <GeneralHealthService Title="Naturopathy" Covered="1" HasSpecialFeatures="0">
        <WaitingPeriod>2</WaitingPeriod>
        <BenefitLimitsGroup>Acupuncture</BenefitLimitsGroup>
        <BenefitsList>
          <Benefit Item="NaturopathyInitial" Type="Percent">50</Benefit>
          <Benefit Item="NaturopathySubsequent" Type="Percent">50</Benefit>
        </BenefitsList>
      </GeneralHealthService>
      <GeneralHealthService Title="Massage" Covered="1" HasSpecialFeatures="0">
        <WaitingPeriod>2</WaitingPeriod>
        <BenefitLimitsGroup>Acupuncture</BenefitLimitsGroup>
        <BenefitsList>
          <Benefit Item="MassageRemedialInitial" Type="Percent">50</Benefit>
          <Benefit Item="MassageSubsequent" Type="Percent">50</Benefit>
        </BenefitsList>
      </GeneralHealthService>
      <GeneralHealthService Title="HearingAids" Covered="0" HasSpecialFeatures="0"/>
      <GeneralHealthService Title="GlucoseMonitor" Covered="0" HasSpecialFeatures="0"/>
    </GeneralHealthServices>
    <BenefitLimits>
      <BenefitLimit Title="DentalGeneral" NoLimitOnPreventativeDental="false">
        <ServicesCombined IncludesOtherUnlisted="false">
          <Service SubLimitsApply="false">DentalGeneral</Service>
        </ServicesCombined>
        <LimitPerPerson>450</LimitPerPerson>
      </BenefitLimit>
      <BenefitLimit Title="DentalMajor">
        <ServicesCombined>
          <Service>DentalMajor</Service>
        </ServicesCombined>
      </BenefitLimit>
      <BenefitLimit Title="Endodontic">
        <ServicesCombined>
          <Service>Endodontic</Service>
        </ServicesCombined>
      </BenefitLimit>
      <BenefitLimit Title="Orthodontic">
        <ServicesCombined>
          <Service>Orthodontic</Service>
        </ServicesCombined>
      </BenefitLimit>
      <BenefitLimit Title="Optical" NoLimitOnPreventativeDental="false">
        <ServicesCombined IncludesOtherUnlisted="false">
          <Service SubLimitsApply="false">Optical</Service>
        </ServicesCombined>
        <LimitPerPerson>200</LimitPerPerson>
      </BenefitLimit>
      <BenefitLimit Title="NonPBS">
        <ServicesCombined>
          <Service>NonPBS</Service>
        </ServicesCombined>
      </BenefitLimit>
      <BenefitLimit Title="Physiotherapy" NoLimitOnPreventativeDental="false">
        <ServicesCombined IncludesOtherUnlisted="true">
          <Service SubLimitsApply="false">Physiotherapy</Service>
          <Service SubLimitsApply="false">Chiropractic</Service>
        </ServicesCombined>
        <LimitPerPerson>200</LimitPerPerson>
      </BenefitLimit>
      <BenefitLimit Title="Podiatry">
        <ServicesCombined>
          <Service>Podiatry</Service>
        </ServicesCombined>
      </BenefitLimit>
      <BenefitLimit Title="Psychology">
        <ServicesCombined>
          <Service>Psychology</Service>
        </ServicesCombined>
      </BenefitLimit>
      <BenefitLimit Title="Acupuncture" NoLimitOnPreventativeDental="false">
        <ServicesCombined IncludesOtherUnlisted="true">
          <Service SubLimitsApply="false">Acupuncture</Service>
          <Service SubLimitsApply="false">Naturopathy</Service>
          <Service SubLimitsApply="false">Massage</Service>
        </ServicesCombined>
        <LimitPerPerson>100</LimitPerPerson>
      </BenefitLimit>
      <BenefitLimit Title="HearingAids">
        <ServicesCombined>
          <Service>HearingAids</Service>
        </ServicesCombined>
      </BenefitLimit>
      <BenefitLimit Title="GlucoseMonitor">
        <ServicesCombined>
          <Service>GlucoseMonitor</Service>
        </ServicesCombined>
      </BenefitLimit>
      <BenefitLimit Title="Ambulance">
        <ServicesCombined>
          <Service>Ambulance</Service>
        </ServicesCombined>
      </BenefitLimit>
    </BenefitLimits>
    <GeneralHealthAmbulance Cover="ReferHosp"/>
    <OtherProductFeatures>Take advantage of other product features such as up to a 4% discount for payment by direct debit from a cheque or savings account. Go to nib online services where you can make claims for selected Extras services and access health and wellbeing tips.</OtherProductFeatures>
    <SpecialFeatures>Surgical tooth extraction and Oral Surgery has a 12 month waiting period.</SpecialFeatures>
  </GeneralHealthCover>
</Product>