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Accidental Injury Benefit

If you have an accident, we make sure you're able to access the right hospital treatment to get you back on your feet as soon as possible. With nib’s Accidental Injury Benefit, you'll receive benefits in line with our Gold Hospital cover for 90 days after the accident, if you seek treatment with a medical practitioner or attend an emergency department within 72 hours of an accident and are admitted to hospital. This includes admission to a private hospital, or as a private patient in a public hospital.

Overseas nib members are covered for accidents by their OSHC or OVHC.

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?

You must provide documented proof that you sought treatment with a medical practitioner or at a emergency department within 72 hours of the accident. You and the attending doctor must complete an Accident Form, available by contacting us. We can also help with your hospital visit and any other questions you might have.

Most of our Hospital covers include accidental injury. Call us on 13 16 42 for more information.

Will nib cover my ambulance fees?

Most of our health covers include emergency ambulance, so we’ll foot the bill for your ambulance ride. For more information about ambulance claiming, see Emergency ambulance claiming.

What defines an accident?

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 or Fund Rules.

Will the Accidental Injury Benefit cover me for emergency department costs?

No - attendance at an emergency department as an outpatient is not classed as an admission to hospital. Private health insurers – nib included – cannot cover outpatient costs. However, our Accidental Injury Benefit will give you Gold tier Hospital cover for your subsequent stay in hospital.