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How to update your Australian Government Rebate tier

You can update your Australian Government Rebate (AGR) tier using the nib App, opens in a new tab, or online in your member account, opens in a new tab.  

Why do I need to update my AGR tier? 

If you decide to use the rebate to lower your premium, you'll need to choose a tier based on what your income is. If your income changes and you're eligible for a different rebate, you can log in and update your tier in your member account or the nib App. 

How do I know which AGR tier I should select?  

Rebates for people with singles cover are based on your age and taxable income for the financial year. Rebates for people with couples, families and single parent family polices are based on the age of the oldest person on the policy and your combined annual taxable income for the financial year. Visit the ATO, opens in a new tab to learn more.  

How to update your AGR tier in the nib App  

  1. Simply open your nib App and select the ‘Cover’ tab at the bottom of your screen  

  2. Select the ‘Australian Government Rebate, opens in a new tab’ option, then ‘Change rebate tier’ 

  3. Choose your income tier and tap ‘Submit.’  

Your annual income is your income before tax.

How to update you AGR tier in your member account  

  1. Log in to your member account, opens in a new tab  

  2. Under the ‘My policy’ menu item, click ‘Australian Government rebate’  

  3. Select ‘Change rebate tier’ and choose your new income tier  

  4. Select ‘Submit’ and you’re all done!  

What if I pick the wrong tier?  

If you choose to use the rebate to reduce your premium, you'll need to pick a tier based on your income.  

There are no penalties for choosing the wrong tier but you may need to factor in a financial adjustment at tax time.  

If you earn more than the tier you selected, you probably won't be eligible for as much of a rebate and you may need to pay back the difference in your tax return.  

If you earn less than this income tier and are eligible to receive a higher rebate, you may receive this when you finalise your tax at the end of the financial year.  

Can I update my tier at any time?  

You're free to adjust your income tier anytime during the year, and your new rebate rate will apply to all upcoming premium payments. 

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