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.
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.
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:
This information allows nib to:
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.
No annual limits on emergency & medically necessary ambulance transportation anywhere in Australia - excludes QLD, and TAS state ambulance services.
You won’t need to pay the excess for dependant children under 21 if they need to go to hospital.
Seek hospital treatment within 24 hours & receive our best hospital benefits for the next 90 days.
No annual limits for selected examinations, scale, clean & fluoride treatments at your dentist.