Ultimate Health — wording change history

What changed

1. 2026-05-18 · v2018-12-23 → v2019-12-19

   The policy document was restructured with new introductory sections explaining the Ultimate Health product suite and how to personalise cover options. Members will encounter clearer upfront guidance on selecting base cover and excess levels before reviewing detailed policy terms.

   benefit addedfee changepharmac changeexclusion changewaiting period changepre existing change +36004 chars · −64637 chars · 156 sections affected

2. 2026-05-18 · v2018-12-23 → v2018-12-23

   The policy document was substantially restructured with new introductory sections added covering contract terms, definitions, contact information, and disclosure obligations. Members will encounter additional foundational information about their policy terms and nib's contact details before the coverage details.

   benefit addedwaiting period changeexclusion changefee changepharmac changepre existing change +64637 chars · −35254 chars · 151 sections affected

3. 2026-05-18 · v2018-01-13 → v2018-12-23

   The policy document was restructured with new introductory sections explaining the Ultimate Health product suite and how to personalise cover options. Members will encounter reorganised documentation that separates product overview information from specific policy terms and conditions.

   benefit addedfee changepharmac changewaiting period changepre existing changeexclusion change +35254 chars · −64214 chars · 152 sections affected

4. 2026-05-18 · v2018-01-13 → v2018-01-13

   The policy document was restructured with new introductory sections added covering contract terms, definitions, contact information, and disclosure obligations. Members will encounter more detailed explanatory material upfront before the coverage details, including clearer information about their duty to disclose relevant information when applying.

   benefit addedwaiting period changeexclusion changefee changepharmac changepre existing change +65362 chars · −27889 chars · 146 sections affected

5. 2026-05-18 · v2016-01-22 → v2018-01-13

   The policy document was restructured with new introductory sections added and content reorganized, resulting in a net increase of over 27,000 characters across 149 sections. Members will encounter a reorganized policy layout with new guidance sections upfront, though the underlying coverage terms and conditions remain substantively unchanged.

   benefit addedwaiting period changefee changepre existing changepharmac changeexclusion change +27351 chars · −64125 chars · 149 sections affected

6. 2026-05-18 · v2016-01-22 → v2016-01-22

   The policy document was restructured with new introductory sections added covering contact information, disclosure duties, and general terms, while the overall content expanded significantly. Members will encounter clearer upfront guidance on how to apply, what information to disclose, and how to contact nib before engaging with specific cover details.

   benefit addedwaiting period changeexclusion changefee changepharmac changepre existing change +63655 chars · −24694 chars · 147 sections affected

7. 2026-05-18 · v2015-01-13 → v2016-01-22

   The policy document was restructured with new introductory sections added and existing content reorganized, resulting in a net increase of content despite some removals. Members will encounter a reorganized document with new navigational sections at the beginning, though the core coverage terms and conditions remain substantively unchanged.

   benefit addedwaiting period changepre existing changepharmac changefee changeexclusion change +23818 chars · −62724 chars · 149 sections affected

8. 2026-05-18 · v2015-01-13 → v2015-01-13

   The policy document added foundational sections including contract terms, definitions, contact information, and disclosure requirements, expanding the wording by approximately 40,000 net characters. Members will encounter more detailed explanatory content upfront regarding their policy terms, obligations, and how to contact nib before accessing coverage details.

   benefit addedwaiting period changeexclusion changefee changepharmac changepre existing change +62841 chars · −23057 chars · 140 sections affected

9. 2026-05-18 · v2025-11-24 → v2015-01-13

   The policy document was restructured with new introductory sections added and content reorganized across 192 sections, increasing total length by approximately 1,400 net characters. Members will encounter a reorganized policy layout with additional introductory guidance sections when reviewing their coverage terms and conditions.

   exclusion changebenefit addedwaiting period changefee changepre existing changepharmac changemental health change +24323 chars · −22880 chars · 192 sections affected

All ingested wording versions