Heading to hospital can be daunting enough without the prospect of unexpected bills. That’s why we have special agreements with providers in select locations across Australia to reduce your out of pocket costs when you go to hospital. These arrangements are for certain procedures and available to Australian residents only.
These No Gap services can be accessed if the procedure or treatment is included in your policy (and you've served any waiting periods). The only cost will be your Hospital excess, if you have one.
No Gap hip and knee replacements
nib Clinical partners
Did you know that the average hip or knee replacement costs around $25,000? Our Clinical Partners program offers members access to a network of experienced orthopaedic surgeons, who won’t charge you any extra costs. Providing your hospital cover includes total hip and knee joint replacement surgery (item numbers: 49518, 49521, 49318, 49321, 49519 and 49319), you will only pay the hospital excess for your procedure (partial hip and knee replacements are not covered).
If your surgeon thinks you’re eligible, you can also recover in the comfort of your home through our Rehab at Home service, with experienced physiotherapists and other allied health professionals coming to you.
The Clinical Partners program is currently only available in NSW, South Australia, Tasmania, WA and QLD, with more locations coming soon.
Search our network of Clinical Partners here.
No Gap and Known Gap networks
If you’re looking for a cardiologist, nib has partnered with a number of trusted providers to reduce your out of pocket expenses. Use our Find a Provider tool to find a GapSure Cardiologist near you.
nib's GapSure network guarantees No Gap* for cardiology procedures to help limit your out of pocket costs. Ask your specialist if they are part of our GapSure network.
If you’re covered for cardiology procedures, you may still need to pay your excess. An easy way to reduce your out of pocket expenses and make the most of your health cover is to attend an nib Agreement Hospital for your procedure.
Check the fees for your anaesthetist and assistant surgeon before you book surgery as they are not a part of this arrangement and could charge you an out of pocket cost.
*No Gap means there are no out of pocket costs for you to pay for your chosen cardiologist because we have an arrangement with this network of specialists that they won’t charge you a fee above what we will pay for a cardiology procedure.
nib's GapSure Anaesthetists network guarantees a No Gap or Known Gap up to $500 for anaesthetic services to help limit your out of pocket costs. Ask your specialist if they can work with an anaesthetist who is part of our GapSure network, or use our Find a Provider tool to find a GapSure Anaesthetist.
Our network of GapSure Anaesthetists is expanding.