What's Covered

A benefit is the payment you receive when you claim for an item or service covered by your membership. Benefits payable are listed in your health cover details. Benefits are only payable for services provided to people covered by your membership.

If you are transferring from another health fund and have used up part or all of your annual benefit limits, NIB will take this into account in determining your entitlements for the remainder of the calendar year. Where the benefit is higher than paid by your previous fund, the lower benefit will be paid until the appropriate NIB waiting period has been served. Members should call 13 14 63 or email NIB to check benefit entitlements before service/treatment begins.