Hospital cover helps you pay the costs of being treated as a private patient in a public or private hospital. Generally, any medical service listed under the Medicare Benefits Schedule (MBS) can be covered, dependent on your level of cover. Some benefits include:
We will help cover those items you might not consider before a hospital stay such as occupational therapy, necessary dressings and pharmaceuticals.
Extras cover can help cover the cost of everyday services you use to stay healthy – like dental treatment, a new pair of glasses, remedial massage or a visit to the physio. These types of treatments can make a big difference to your health and wellbeing.
Bundles let you tailor your Extras cover so you can claim 60% back for the services you use most, up to your annual limits.
Top is our highest level of cover with 85% back on Extras and additional items like home nursing and eye therapy, up to your annual limits.
Join with any combined Hospital and Extras cover and we’ll waive the waiting period on Extras usually requiring a 2 month wait.
nib has created a range of health cover products that let you tailor your cover so you only pay for services you use most.
Get private health insurance before you’re 31 to avoid Lifetime Health Cover (LHC) loading on top of your premiums.
You can avoid the Medicare Levy Surcharge by joining any nib hospital cover & maintaining it for the full financial year.
Private health insurance offers you more protection against the unexpected such as hospital bills from illness or accidents.