Member Guide

Thanks for choosing NIB - and welcome!

We believe that health cover should be easy to understand, easy to claim on, and easy on the wallet. This Membership Section is designed to help simplify Private Health Insurance (PHI), and show you how to get the most from your NIB membership.

The sections about Hospital and Extras are important, so take a look when you need to go to hospital, or when it's time to claim to avoid any nasty surprises.

If there's any way we can help you, don't hesitate to call us on 13 14 63 or send us an email.

Save up to 4% using Direct Debit

Did you know you can save up to 4% on your membership contributions, just by paying by direct debit? If you havent done so, ask us to set up a direct debit from your bank, building society or credit union cheque or savings account - and start saving today (discount not available for Ambulance Only).


nib Loyalty Bonus - claim more often on Extras


The nib Loyalty Bonus is an ongoing reward for being an nib customer. It lets you continue to claim benefits for Extras services, after you have reached your annual limits. So it can further reduce the cost of your health care.

If you're an active nib customer with selected Hospital and Extras cover you'll get an nib Loyalty Bonus - as long as you've been a customer for 12 months or longer.

And the best bit is, you don't need to do anything. You'll automatically earn your nib Loyalty Bonus on your nib Loyalty Bonus Anniversary Date.

Save Time

More members are signing up for NIB Online Member Services to manage their membership and claim online.

Register online and find out how easy it is to claim this way. When you register, you'll need to set up a SafeClaim account that lets us deposit your benefits directly into your bank account (you may have done this when you joined).

You can claim up to a combined limit of $300 in benefits online at any one time for Extras services like dental, optical and physio - and we're open all day, every day, for your convenience.

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