Couples health insurance
Cover for both you and your partner, whether you want peace of mind or comprehensive protection.
Find the right health insurance for you
Finding the right health insurance is all about making sure it fits your lifestyle. Whether you’re young and fit, health conscious, or just want peace of mind - we’ve got you covered.
4% discount
Get 4% off your premiums when you choose to pay by direct debit (excludes Ambulance Only cover).
Minimise out of pockets
Our healthcare networks help you get the best value from your cover and lower out of pocket costs.
Make tax savings
Having health cover could mean you save on tax if the two of you have a combined taxable income of over $180,000.
Your cover at your fingertips
Manage your policy wherever you are with your member account and the nib App. Snap a photo of your receipt to claim, check your benefits on the go, and more!
Take advantage of our optical and dental* offers
Visit an nib First Choice Optical provider or nib Dental Centre for no gap on selected products and services, including dental check-ups, selected glasses and contact lenses as well as other great discounts.
*Terms and conditions apply.
Find out more
Why it's worth being with nib
When you join you get more than just great health cover. See all the benefits you and your partner can enjoy as members.
Couples cover options
Our health cover is flexible, so you can choose the right combination of Hospital and Extras cover for both of you.
- Hospital
- Extras
Both of you are covered if you’re admitted to hospital. Just choose the tier and excess amount that works best for you.
All our Hospital products come with accidental injury and emergency ambulance cover, and have no annual limits.
Basic Essential Hospital Plus
Basic cover for you and your partner that includes some specific hospital services.
- Dental surgery
- Gastrointestinal endoscopy
- Gynaecology
- Hernia and appendix
- Joint reconstructions
Bronze Hospital Plus
Affordable cover for both of you that includes a wider range of hospital procedures.
- Dental surgery
- Gastrointestinal endoscopy
- Bone, joint and muscle
- Ear, nose and throat
- Kidney and bladder
- Lung and chest
Silver Hospital
Comprehensive cover, without paying for costly age-related services that the two of you might not need.
- Dental surgery
- Gastrointestinal endoscopy
- Bone, joint and muscle
- Ear, nose and throat
- Kidney and bladder
- Lung and chest
- Back, neck and spine
- Heart and vascular system
Silver Advantage Hospital Plus
High level cover, without pregnancy, weight loss surgery and other services.
- Dental surgery
- Gastrointestinal endoscopy
- Bone, joint and muscle
- Ear, nose and throat
- Kidney and bladder
- Lung and chest
- Back, neck and spine
- Heart and vascular system
- Rehabilitation
- Cataracts
- Joint replacements
Gold Top Hospital
Fully comprehensive cover to give both of you total peace of mind.
- Dental surgery
- Gastrointestinal endoscopy
- Bone, joint and muscle
- Ear, nose and throat
- Kidney and bladder
- Lung and chest
- Back, neck and spine
- Heart and vascular system
- Rehabilitation
- Cataracts
- Joint replacements
- Hospital psychiatric services
- Weight loss surgery
- Pregnancy and birth
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