Accidental injury benefit
If you have an accident, we want to make sure you are able to access the right hospital treatment to get you back on your feet as soon as possible. With nib’s Accidental Injury Benefit, if you seek treatment with a medical practitioner or attend an emergency department within 72 hours of an accident, and you then need to be admitted to hospital, you'll receive benefits in line with our Gold-level Hospital cover for 90 days after the date of the accident. This includes admission to a private hospital, or where you elect to be treated as a private patient in a public hospital.
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 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. 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.
Q: Will the Accidental Injury Benefit cover me for any costs that I incur at the emergency department?
A: No. Because attendance at an emergency department as an outpatient is not classed as an admission to hospital. Private health insurers – nib included – cannot cover these costs. However, the Accidental Injury Benefit will give you Gold-level Hospital cover for your subsequent stay in hospital.