Accidental injury benefit
If you have an accident and need urgent medical treatment, you will most likely be admitted to a public hospital emergency department for immediate treatment, which means you’ll be treated using the public healthcare system. If your injury isn’t life threatening, you may be asked if you’d like to be treated as a private patient if you have private health cover.
This is where nib’s Accidental Injury Benefit is used. If you seek treatment at a hospital emergency department within 24 hours of an accident & need to be admitted, you'll receive benefits in line with our top hospital cover for the next 90 days.
Have you been in an accident?
If you are currently at the emergency department or have recently been in an accident, head to our emergency page for information about how to use your nib cover in an emergency.
How do I make sure I’m covered by the Accidental Injury Benefit?
To be covered you must provide documented proof that you have sought treatment at a hospital emergency department within 24 hours of the accident. You and the attending doctor must complete an Accident Form (available by contacting us. When you call us to get access to the form, we can also discuss your hospital visit and any other questions you might have.
Most of our Hospital covers have the Accidental Injury Benefit. Please call us on 13 16 42 for more information.
Frequently Asked Questions
Q: Will nib cover my ambulance fees?
A: If you have the appropriate level of health cover with nib, we’ll foot the bill for your ambulance ride. For more information about ambulance claiming, see Emergency ambulance claiming.
Q: What defines an accident?
A: 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 which is not the result of any other cause. For more information, please see our Policy Booklet.