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, Basic Plus, Mid Plus, Family Plus, Family Basic Saver, or Young at Heart Mid: if you have an accident, you’ll be covered for hospital services normally excluded or restricted on your health cover, provided you have been formally admitted as an inpatient and the services are undertaken during the first admission to hospital. This admission must be within 24 hours of the accident’s occurrence.  For any subsequent admissions resulting from the accident, exclusions or restrictions under your cover will apply.