Ultimate Health Max — wording change history

What changed

1. 2026-05-18 · v2018-01-21 → v2018-12-23

   The policy added eight new benefit sections covering breast symmetry post-mastectomy, diagnostics, specialist consultations, travel accommodation, and ambulance transfers, increasing total wording by approximately 19,000 net characters. Members now have access to additional covered benefits including post-mastectomy reconstruction support, diagnostic services, specialist second opinions, and travel costs for treatment, plus ambulance and parent accommodation coverage.

   exclusion changebenefit addedpharmac changepre existing changewaiting period changefee changemental health change +27490 chars · −8298 chars · 70 sections affected

2. 2026-05-18 · v2016-01-22 → v2018-01-21

   The policy document was reorganised with new sections added (Financial Statements, General), some benefits removed (GP Minor Surgery, ACC Top-up), and contact formatting adjusted. Members will no longer have coverage for GP minor surgery or ACC top-up benefits, and may need to refer to updated page numbers when locating glossary terms.

   exclusion changewaiting period changefee changepre existing changepharmac change +1960 chars · −2004 chars · 36 sections affected

3. 2026-05-18 · v2015-01-13 → v2016-01-22

   The policy wording was reorganised with new sections added covering waiting periods, guaranteed benefits, novel treatments, and hospital medications, while overall content increased by approximately 14,600 characters net. Members will encounter clearer structure and additional detail about waiting periods, future upgrades, and coverage for experimental treatments and hospital-provided medications.

   benefit addedwaiting period changeexclusion changepharmac changepre existing changefee change +14624 chars · −32204 chars · 129 sections affected

4. 2026-05-18 · v2024-02-01 → v2015-01-13

   The policy document was restructured with new introductory sections added covering contract terms, definitions, contact information, and application procedures, increasing overall length by approximately 57,000 characters. Members will encounter more detailed upfront information about policy terms, their disclosure obligations, and how to contact nib before accessing coverage details.

   benefit addedwaiting period changeexclusion changefee changepharmac changepre existing change +64234 chars · −7288 chars · 195 sections affected

All ingested wording versions