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Managing your family’s health cover

No matter what shape or size your family is, it’s important to make sure the whole family is taken care of.

Pregnancy and newborns

Planning pregnancy can be full of surprises and curve balls, so you want to be secure in the things you can control like making sure you have the right level of cover. Pregnancy isn’t covered on every nib policy, so you need to choose a Gold level cover which includes pregnancy and birth-related services. 

A 12-month waiting period will apply if you are a new member or have just upgraded your level of cover. If you are moving over to us from a different health fund and you have already served your pregnancy waiting periods, you won’t have to re-serve them. 

This means that if you’re planning a baby, and you’d like to use your health insurance to go to a private hospital, you’ll need to be on a health cover that includes pregnancy at least three months before you start trying to fall pregnant.  

Please note, if you do need to be admitted for a pregnancy-related complication (such as preeclampsia) but haven't yet served your waiting period in full, you won't be covered. 

Easily adjust your cover within minutes by reviewing or changing it online through your member account or the nib App. If you need assistance, feel free to reach out to us.

How to I add my baby to my policy?

Congratulations on the new addition to your family! Read our simple guide on how to add your new baby, adopted child, or foster child to your policy: 'Adding or removing someone from your cover, opens in a new tab'.

Ensuring your dependant is covered by health insurance 

Discover how your dependants can stay protected by health insurance.

From 1 July 2023, we have increased the maximum age of student dependants from 25 to 31. 

What is a dependant? 

  • A child dependant is someone who is aged 20 years or under and is not married or in a de facto relationship and is the natural, adopted or foster dependant of the policy holder. There are varying premiums for dependants depending on the cover you have. This person is covered under the family’s health cover at no extra cost.

  • A student dependant is a full-time student, single (not married or in a de facto relationship), aged between 21 and 30 and is the natural, adopted or foster dependant of the policy holder. This person is covered under the family’s health cover at no extra cost. 

  • A non-student dependant is someone aged between 21 and 31, single (not married or in a de facto relationship), not studying full-time and is the natural, adopted or foster dependant of the policy holder. They can be added to your family’s cover for an additional fee determined by us.