Skip to content

Before going to hospital, we can help:

  • Check your procedure is covered
  • Find a specialist
  • Choose the right hospital
  • Learn how to avoid unexpected bills

From sore knee to recovery, we're with you

Use this as a guide to find your way - we can help you at every step
Health Concern
1
GP Visit
2
Check your cover
3
Specialist visit
4
Check your hospital
5
Prepare for procedure
6
Recovery
7
Bills and claiming
8

8. Bills and claiming

You may not receive additional bills but if you do get one from your specialist, anaesthetist or other medical service involved with your admission we can explain how to claim.

Tips

  • We can give you an idea of the sort of bills you may receive
  • Take any bills to Medicare first
  • Depending on the bill, you may be able to claim through nib as well

You may not receive additional bills but if you do get one from your specialist, anaesthetist or other medical service involved with your admission we can explain how to claim.

Tips

  • We can give you an idea of the sort of bills you may receive
  • Take any bills to Medicare first
  • Depending on the bill, you may be able to claim through nib as well

1. Health Concern

If you have an injury or health concern and think you may need to go to hospital, we’re here to help. Get in touch with us early and we’ll explain what options you have as an nib customer and make sure you get the most out of your health cover.

Tips

  • Call us or login to check what your cover includes
  • Make an appointment with your GP

If you have an injury or health concern and think you may need to go to hospital, we’re here to help. Get in touch with us early and we’ll explain what options you have as an nib customer and make sure you get the most out of your health cover.

Tips

  • Call us or login to check what your cover includes
  • Make an appointment with your GP

2. GP Visit

Unless you arrive at the hospital in an ambulance, you’ll probably talk to your GP first about any concerns. They’ll assess your condition and refer you to a specialist for further treatment if necessary.

Tips

  • Compare the benefits of surgery with other options
  • Ask about alternative treatments, tests, and risks
  • Discuss your specialist options

Unless you arrive at the hospital in an ambulance, you’ll probably talk to your GP first about any concerns. They’ll assess your condition and refer you to a specialist for further treatment if necessary.

Tips

  • Compare the benefits of surgery with other options
  • Ask about alternative treatments, tests, and risks
  • Discuss your specialist options

3. Check your cover

You should check what your cover includes, that it’s up to date, and if you have any waiting periods before you see your specialist.

Tips

  • Call us on 13 16 42
  • We can help you choose a specialist
  • Check your personal details are the same on your nib policy and with Medicare

You should check what your cover includes, that it’s up to date, and if you have any waiting periods before you see your specialist.

Tips

  • Call us on 13 16 42
  • We can help you choose a specialist
  • Check your personal details are the same on your nib policy and with Medicare

4. Specialist visit

Use your initial visit with your specialist to make sure you feel comfortable with your proposed treatment plan. It’s important to discuss their fees and any other costs involved in your procedure including fees of other specialists involved (e.g. an anaesthetist).

Tips

Use your initial visit with your specialist to make sure you feel comfortable with your proposed treatment plan. It’s important to discuss their fees and any other costs involved in your procedure including fees of other specialists involved (e.g. an anaesthetist).

Tips

5. Check your hospital

Often your specialist will select a hospital for you based on where they operate. You’ll need to check if it’s an nib Agreement Hospital to minimise your out- of- pocket expenses. If it turns out that the hospital is not on our list, you can ask your specialist to select one that is.

Tips

  • Check what excess you may need to pay the hospital and when it is due
  • Complete any pre-admission paperwork

Often your specialist will select a hospital for you based on where they operate. You’ll need to check if it’s an nib Agreement Hospital to minimise your out- of- pocket expenses. If it turns out that the hospital is not on our list, you can ask your specialist to select one that is.

Tips

  • Check what excess you may need to pay the hospital and when it is due
  • Complete any pre-admission paperwork

6. Prepare for your procedure

It's common to be nervous before your procedure. Knowing what to expect before you go can help ease the stress and let you focus on your recovery.

Tips

  • Make arrangements for your pets and childcare if required
  • Organise a lift to and from the hospital
  • Pack your hospital bag
  • Pay your hospital excess (if applicable)
  • Understand and follow your pre-surgery instructions

It's common to be nervous before your procedure. Knowing what to expect before you go can help ease the stress and let you focus on your recovery.

Tips

  • Make arrangements for your pets and childcare if required
  • Organise a lift to and from the hospital
  • Pack your hospital bag
  • Pay your hospital excess (if applicable)
  • Understand and follow your pre-surgery instructions

7. Recovery

You may have a short or long recovery ahead of you, so it's important to take care of yourself and focus on your health.

Tips

  • Check with your surgeon what to expect from your recovery and who you can contact about any concerns
  • Follow your post-surgery instructions
  • Ask about our Health Management Programs if you need extra support

You may have a short or long recovery ahead of you, so it's important to take care of yourself and focus on your health.

Tips

  • Check with your surgeon what to expect from your recovery and who you can contact about any concerns
  • Follow your post-surgery instructions
  • Ask about our Health Management Programs if you need extra support

8. Bills and claiming

You may not receive additional bills but if you do get one from your specialist, anaesthetist or other medical service involved with your admission we can explain how to claim.

Tips

  • We can give you an idea of the sort of bills you may receive
  • Take any bills to Medicare first
  • Depending on the bill, you may be able to claim through nib as well

You may not receive additional bills but if you do get one from your specialist, anaesthetist or other medical service involved with your admission we can explain how to claim.

Tips

  • We can give you an idea of the sort of bills you may receive
  • Take any bills to Medicare first
  • Depending on the bill, you may be able to claim through nib as well

1. Health Concern

If you have an injury or health concern and think you may need to go to hospital, we’re here to help. Get in touch with us early and we’ll explain what options you have as an nib customer and make sure you get the most out of your health cover.

Tips

  • Call us or login to check what your cover includes
  • Make an appointment with your GP

If you have an injury or health concern and think you may need to go to hospital, we’re here to help. Get in touch with us early and we’ll explain what options you have as an nib customer and make sure you get the most out of your health cover.

Tips

  • Call us or login to check what your cover includes
  • Make an appointment with your GP

Call us, you’ll have a better experience