Private Health Insurance - Example XML File

Felix Barbalet
2014-04-18T09:07:43Z

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>
|
| </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>