Suspending your policy

To put your policy on hold at any time, just call us on 13 14 63. We’ll take you through all you need to know and discuss if this is the right option for you. You must be with nib for 12 months before applying to suspend your policy.

• Going overseas? You can suspend your policy from 2 months to 2 years. We recommend you take out travel or equivaluent health insurance for the full time you’re away, to avoid re-serving any waiting periods for pre-existing hospital conditions on your return.
• Centrelink benefits – If you’re eligible for Centrelink unemployment benefits, you can suspend your policy for a maximum of 6 months.

A suspension ‘stops’ your policy. Waiting periods served prior to suspension don’t need to be re-served (although
pre-existing condition rules apply). Where waiting periods had not been fully served, the remainder of the waiting period must be served once you resume your policy. You can’t claim for any services provided while your policy is suspended.

Resuming your policy

Within 1 month of your suspension’s end date, you need to complete an application to resume your policy. If you don’t, you’ll need to re-join nib and serve all relevant waiting periods.

If returning from overseas, your suspension ends the date you return to Australia. We’ll need a copy of your stamped passport, ticket or boarding pass as proof.

Financial Harship - if you're experiencing financial hardship, you can apply to suspend your policy for a maximum of 6 months.

Any hospital admission within the first 12 months of resuming your policy is subject to nib’s pre-existing condition rule.