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What happens if you become critically ill?

Complement your nib health insurance with nib Critical Illness

nib Critical Illness provides you with a lump sum payment to help you and your family cope financially if you are diagnosed with certain serious illnesses or injuries.

Why nib Critical Illness?

3 in 4 Australians aged 30 - 65 years have been told that they have at least 1 risk factor for heart disease.*

1 in 2 Australians will be diagnosed with cancer by the age of 85, however 7 in 10 Australians will live for 5 years after cancer diagnosis. In some cancers the survival rate is as high as 90%.**

*Each of these Critical Illness Conditions has a specific medical definition and severity level that must be met for a claim. You should refer to the PDS for a full list of the Critical Illness Conditions covered, their medical definition and the benefit payable.

**Maximum payment across cover lifetime of $75,000. Coverage is subject to terms and conditions, limitations and exclusions as contained in the PDS.

Simple application

No medical tests needed: you can apply if you're an Australian resident aged 18-55 with nib health insurance.

Cover for serious illness

Support for your recovery from serious conditions such as Cancer, Stroke or Heart Attack.*

Financial support, your way

Receive a lump sum payment of up to $75,000 to use however and whenever you need.**

How can I use the nib Critical Illness benefit?

Your nib Critical Illness benefit may help you pay for:

  • Additional treatment
  • Day to day living expenses
  • Gap payments with private health insurance
  • Travel and accommodation costs for your family to be close to you
  • Changes to housing and lifestyle

How to get nib Critical Illness?

Become an nib member

If you're not a member, you'll need to join nib to access this benefit.

Get your nib Critical Illness quote

Provide your details and our award winning team will do the rest.

Here when you need us

Have peace of mind knowing we're just a phone call away.

*Available to nib members who hold hospital, extras or combined health cover.

nib members may be eligible to receive a 10% nib loyalty discount* off nib Critical Illness

Our life insurance products

*Based on $4,000 monthly benefit for a 30 year old male non-smoker with a 28 day waiting period and 1 year benefit period. **Maximum payment across cover lifetime of $75,000. Coverage is subject to the terms, conditions, limitations and exclusions, as contained in the PDS. ***Based on a 30 year old male non-smoker with nib Loyalty Discount. ****Based on $500,000 of cover for a 30 year old male non-smoker.

Get a quote

Complete your details below and we’ll contact you with your nib Critical Illness quote.

Interested in more information?

Please read the Product Disclosure Statement to access the full details of all conditions and criteria that your diagnosis will need to meet. Conditions, limitations and exclusions apply.

About the issuer

TAL Life Limited ABN 70 050 109 450 AFSL 237848 (TAL Life) of Level 16, 363 George Street, Sydney NSW 2000 is the issuer of nib Critical Illness.

About the distribution

TAL Direct Pty Limited ABN 39 084 666 017, AFSL 243260 (TAL Direct) is the distributor of this product. TAL Direct has appointed nib life pty ltd ABN 91 003 037 625 (nib) as an Authorised Representative, Authorised Representative Number (ARN) 321683 to act on its behalf. nib distributes this product and TAL Direct also administers policies and claims.

Neither nib, nor any of its employees, agents or other representatives, guarantee or accept liability under nib life insurance products.

TAL disclaimer

The information on this website is for Australian residents only and is subject to change. It is general advice only and does not take into account your financial situation, needs or personal objectives. Before you decide to buy or continue to hold nib Critical Illness, it is important that you consider the combined Product Disclosure Statement and Financial Services Guides to determine whether they meet your individual needs.