An accident, in relation to nib hospital cover, is an event leading to bodily injury caused solely and directly by violent, accidental, external and visible means and resulting solely, directly and independently of any other cause.
If you're in an accident, you and the attending doctor in hospital must complete an Accident Form (available from nib).
For customers with Basic Saver, Family Basic Saver, Basic Plus, Family Plus, Mid Plus, Top Cover, Premier Plus, Young at Heart Mid, Young at Heart Top: If you have an accident and need further treatment in hospital as an inpatient, you’ll be covered as long as you have documented proof that you sought treatment at a hospital emergency department within 24 hours of the accident.
To ensure that you are covered by our accident rule, you need to be re-admitted to the hospital emergency department within 7 days of your initial visit. This could mean being admitted as an inpatient or sent home to be admitted later (for example, you may be sent home with bandaging or a half-plastered limb so that swelling can reduce before a full plaster cast is applied to the injured limb). Any additional other hospital treatment that takes place within 7 days after being discharged from the hospital will also be covered. After this 7 day period any additional hospital treatment will be paid as per the level of benefits on your cover, for example, some benefits may be excluded or restricted.