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Private Health Insurance - Example XML File
<?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>
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