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Why nib?
Over 700,000 Aussies can't be wrong
So why choose nib?
- nib is one of Australia's fastest growing health funds - more people are choosing nib. We
now provide health cover to over 700,000 Australians.
- We have over 50 years experience providing health cover.
- We have a range of affordable health cover products to suit where you're at in life.
- We have an award winning customer service team dedicated to making private health cover
simple and easy to understand.
- We are committed to supporting your health and wellbeing so you can continue to
lead an active lifestyle.
In the end, it's about helping you enjoy a healthy life.
What are you looking for?
The best possible price...
Which is fine, we just want to make sure you're getting the best possible cover.
After all, you can't put a price on your health.
Save up to 4% on your premiums the easy way. Pay by Direct Debit
Pay your premiums by Direct Debit from your bank, building society, credit
union cheque or savings account and we'll give you up to 4% discount off the cost
of your premiums (not available for Ambulance Only Cover).
Don't forget to ask us when you join.
Claim more often on everyday Extras with the nib Loyalty Bonus
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. The higher level of cover
you have, the greater the reward!
You can use your nib Loyalty Bonus to make additional claims after you have reached your annual limits on Extras such
as dental, optical, physiotherapy, natural therapies and more. You are rewarded
for each year you're an nib customer. It's our way of saying 'thanks'.
How to choose the right cover for you
Depending on where you're at in life, there are features you'll want from your health
cover, and ones you won't - for example, not many 22 year olds need hip replacements.
There are two types of Private Health Insurance (PHI);
Stuff you need to get done in a hospital (that's Hospital Cover)
Choosing a hospital cover is important
The level of hospital cover you choose determines the types of procedures and services
you're covered for (like removal of tonsils, childbirth, heart surgery etc). The
higher the level of cover, the more procedures you will be covered for.
Our covers are affordable because we've carefully chosen what's included - and excluded
for each.
Everyday stuff you can use to stay healthy like dental and physio (that's Extras
Cover)
Ok, so what are Extras?
Things you can use everyday to stay healthy, like going to the dentist, a visit
to the physio, or a new pair of glasses.
Medicare doesn't cover these, so having cover for Extras will help pay for the cost
of them. Unlike most health funds, we pay benefits as a percentage of the cost to
you, so you know what you get back every time. Even better, the higher your cover,
the more services you're covered for and the more you get back.
Great news! Most of the nib covers you can choose from will give you both Hospital
and Extras.
Basically, people looking into PHI fall into 3 categories...
We call them lifestages, and for each one, there's a range of covers to choose from,
with prices to match. The different stages are:
Cover for singles
Cover for couples
Cover for families (and single parents!)
When it comes to choosing the best Cover, we keep it simple.
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