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13 16 42

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

  1. Choose the nib health insurance that's right for you
  2. Join online OR call us on 13 16 42
  3. We'll contact your previous health insurer and take care of the paperwork to save you time and hassle.

  4. Claim straight away
  5. 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 new nib health cover includes services your previous insurer covered you for
  • You've served all the required waiting periods with your previous insurer
  • You haven't used up all your annual limits with your previous health insurer
  • You cancelled you previous health insurance less than 60 days ago

Frequently asked questions.

What is a Transfer Certificate?

A Transfer Certificate 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

When you join nib we will send you a Transfer Certificate Request form (PDF 229KB). Please complete and return this form as soon as possible, as unfortunately until nib receives your Transfer Certificate from your current health insurer we are unable to process any claims on your nib policy.

There are some things to remember when switching to nib from another insurer:

  • If you have cancelled your health insurance policy with another health insurer, you will need to join nib within 59 days to make sure you receive continuity of cover.
  • If you have used part or all of your annual benefits with your previous health insurer, nib will adjust your benefits accordingly
  • We will require you to complete and return the Transfer Certificate Request form (PDF 229KB) before we can request a Transfer Certificate from your previous health insurer on your behalf. Until we receive your Transfer Certificate you will be unable to claim on your nib cover.
Will I need to serve any waiting periods when I switch to nib?

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


More information

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.

Get a quote

Join with any combined Hospital and Extras cover and we’ll waive the waiting period on Extras usually requiring a 2 month wait.