Move it to nib, it's worth it.

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.

To tailor your health insurance, compare our Hospital covers and then select the Extras Bundles that are important to you.

Join now OR call us on 13 16 42

We’ll contact your previous health fund and take care of the paperwork to save you the time and hassle.

Claim straight away

Any waiting periods you have already served with your previous fund 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 fund.

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

Get a quote

Avoid delays in claiming when switching to nib

Check that:

your new nib health insurance includes services currently available to you
you’ve served all the required waiting periods with your previous health fund

you haven’t used all your annual benefits with your previous health fund
you’ve joined nib within 59 days of cancelling your health insurance with your previous fund

Frequently Asked Questions

What is a Clearance/Cancellation Certificate?

A Clearance/Cancellation 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 Clearance/Cancellation Certificate Request form (PDF 45KB). Please complete and return this form as soon as possible, as unfortunately until nib receives your Clearance/Cancellation Certificate from your current fund we are unable to process any claims on your nib policy.

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

If you have cancelled your health insurance policy with another health fund, 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 fund, nib will adjust your benefits accordingly
We will require you to complete and return the Clearance/Cancellation Certificate Request form (PDF 229KB) before we can request a Clearance/Cancellation Certificate from your previous health fund on your behalf. Until we receive your Clearance/Cancellation Certificate you will be unable to claim on your nib cover.

And don’t forget to complete a Federal Government Rebate Application Form (PDF 591KB) if you wish to receive the Federal Government Rebate.

Will I need to serve any waiting periods when I switch to nib?

When transferring from one health fund 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 fund.

If you have used part or all of your annual benefits with your previous health fund, 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 fund, 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 fund.

Our new 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 dependent children under 21 if they need to go to hospital.

Accidental injury cover

Seek hospital treatment within 24 hours and receive our best hospital benefits for the next 90 days.

No annual limit on preventative dental

Visit the dentist as many times as you like for selected examinations, scale, clean & fluoride treatments.

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