It's good to be covered with nib
At nib, we believe private health insurance should be easy to understand, easy to claim on and, most of all, good value. Our range of health insurance allows you to tailor your cover to include services that are relevant to you. We also offer convenient claiming options, including on-the-go mobile claiming.
Switch to nib in 3 easy steps
- Choose the nib health insurance that's right for you
- Join online OR call us on 13 16 42
- Claim straight away
We'll contact your previous health insurer and take care of the paperwork to save you time and hassle.
Any waiting periods you have already served with your previous health insurer will be recognised in full so you can start getting the most out of your new nib health insurance straight away.
Waiting periods may apply for services not covered with your previous insurer.
For a quick & easy switch to nib
- Check that your previous health insurance was cancelled less than 60 days ago
- Cancel any direct debit arrangements you have made with your previous health insurer
- If you already have your transfer certificate, send it to nib
Frequently asked questions.
When you join nib you can provide us with the authority to contact your previous health insurer. We will confirm the cancellation of your health cover with your previous health insurer and request they send us a Transfer Certificate on the day your nib policy commences.
Your previous health insurer is required by government legislation to comply with nib's request and provide a Transfer Certificate within 14 days.
A Transfer Certificate is required by law when a person switches between health funds in Australia. It is a record of your private health insurance cover and contains the following details:
- Type of cover
- Level of cover
- Your join date
- Your cancellation date
- Your Lifetime Health Cover (LHC) Certified Age of Entry
- A history of your recent claims
This information allows nib to:
- confirm the waiting periods you have already served so you can claim straight away if you're entitled to
- confirm whether or not a government enforced Lifetime Health Cover loading needs to be applied to your policy (this is a 2% additional loading on your premiums for each year you didn't have private hospital cover over the age of 31)
When transferring from one health insurer to another you will receive continuity of cover. This means that you don't need to re-serve waiting periods before benefits can be paid to you if you were covered for those services under your previous health insurance policy and have already served the waiting period with your previous health insurer.
If you have used part or all of your annual benefits with your previous health insurer, nib will adjust your benefits accordingly. For example, if your annual benefit for optical is $200 and you have used $100 with your previous health insurer, this will be carried across to nib. Annual limits are reset on 1 January each year.
To ensure you receive continuity of cover you will need to make sure you switch to nib within 59 days of cancelling your previous policy. This means that you will have continuous private health cover and that you can transfer any waiting periods already served with your previous insurer.
Find cover that's right for you
Our range of health cover
Emergency ambulance
No annual limits on emergency & medically necessary ambulance transportation anywhere in Australia - excludes QLD, and TAS state ambulance services.
No excess for kids
You won’t need to pay the excess for dependant children under 21 if they need to go to hospital.
Accidental injury benefit
Seek hospital treatment within 24 hours & receive our best hospital benefits for the next 90 days.
No annual limit on preventative dental
No annual limits for selected examinations, scale, clean & fluoride treatments at your dentist.