We’re more than just insurance. We offer a range of benefits to support your health and wellbeing.
Save on everyday health costs
Take care of your health together with nib First Choice providers for dental, optical, physio, mental health and hearing. With No Gap and discounted offers, you both can save on the everyday care you need.
Earn rewards for you and your partner
Get more from your membership with discounts on top brands, earn points on selected offers and extra savings on the things you both love.
Manage your health cover on the go
Stay on top of your health together - find providers, track claims and manage your benefits anytime, anywhere with the nib App.
Health services for both of you
Look after your health with telehealth consults with a medical doctor or nurse practitioner, treatments delivered to your door or as an e-script if recommended by a clinician and access to medical certificates.*
You have the option to choose either a joint couples policy, which covers both of you, or separate individual policies. The decision depends on what suits your needs best. Explore if a couples health insurance policy is the right choice for you and your partner.
No, you don't need to be married to get couples cover. A couples policy covers two adults (defined as someone over 18 who is not a dependant) who are viewed as 'long-term' partners by health insurance standards, which usually includes married couples and de facto relationships.
A couples policy provides the same level of health cover for both partners, making it a straightforward and convenient option if you’re aligned on your health needs. A couples policy works best when you and your partner both agree on the coverage you need and how much you’re willing to pay.
Your couples policy will cover you and your partner. If you're planning a family, you'll need to explore family cover options.
If you're on a couples health insurance policy and have recently given birth, you'll need to switch to family cover within two months of your baby's birth to avoid waiting periods. If you're already serving a waiting period, your baby will serve the same waiting period as you. Learn more about updating your dependants.
Pregnancy isn't covered under every nib policy. If you're planning on falling pregnant and would like to be covered, you'll need to choose a cover that includes pregnancy and birth-related services. If you've upgraded your level of cover, there’s a 12-month waiting period for pregnancy and birth-related services, so you'll need to wait at least three months before trying to conceive to allow time to complete the waiting period. Read more about pregnancy and newborn cover.
We'll recognise any waiting periods you've already served with us or a previous fund for the same level of cover but if you're upgrading to a cover with new services or higher limits, waiting periods may still apply.
Whether you join nib online or by phone we’ll handle everything. Just give us your previous fund details and we’ll take care of contacting them and managing the paperwork. We’ll guide you through the process, let you know about any waiting periods and ensure switching to nib is hassle-free so you can start claiming on your healthcare and taking advantage of our health and wellbeing services.
*The provision of a medical certificate is not guaranteed and will depend on the information provided during your consultation and whether the medical doctor or nurse practitioner deems it to be appropriate.
^Not available to: (i) QLD residents who have ambulance services provided by their State ambulance schemes; (ii) TAS residents who are covered under state ambulance schemes in TAS and when travelling in mainland Australia except SA or QLD; or (iii) pensioner, concession or health care card holders who have ambulance services provided by State ambulance schemes (check entitlements with Centrelink if unsure). Benefits for ambulance transportation is only payable where the provider describes the transportation as an ‘Emergency’.
Get 12 weeks free and skip the 2 & 6 month wait on Extras
Choose a combined Hospital + Extras cover online by 31 March.
Available to new members with Australian residency. Offer will be fulfilled in the 3rd and 13th month of membership. T&Cs apply., opens in a new tab
Private health insurance is made up of Hospital cover and Extras cover. You can choose to get covered for just one or both, depending on what works best for you as a couple.
Hospital cover helps you and your partner pay for treatment as a private patient, including accommodation and theatre fees, giving you both peace of mind for the unexpected.
Extras cover supports everyday services like dental, optical and physio, helping you stay on top of your health together.
No matter which plan you choose - Extras, Hospital or both - all our options include unlimited emergency ambulance cover^, for extra peace of mind.
Whether you’re combining policies or getting health cover for the first time together, here’s when it might make sense to switch.
If you're in a long-term relationship: You don’t need to be married - couples cover is available for two adults considered long-term partners by private health insurance standards.
If you both want the same cover: If you and your partner are after similar health coverage, it’s often easier and more cost-effective to have one couples policy instead of two separate plans.
If you want to simplify things: One policy means one payment, less paperwork and just one tax statement at the end of the year - making life easier for both of you.
4% discount
Get 4% off your premiums when you choose to pay by direct debit (excludes Ambulance Only cover).
Minimise out of pockets
Our healthcare networks help you both get the best value from your cover and lower out of pocket costs.
Make tax savings
Having health cover could mean you save on tax if the two of you have a combined taxable income of over $180,000.
Reduce your premiums
You may be eligible for the Australian Government Rebate (AGR) if your combined income is under the threshold, helping reduce the cost of your cover.
