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nib cards

Your nib member card has your name and member number on it and can be used to identify you and your policy, so take it with you to all medical appointments. You can use your nib card to claim at your dentist, physio, optometrist or other Extras healthcare provider.


All adult policy members will be sent a member card shortly after they join, and you can request additional cards for other policy members.

Your digital nib card

If you have a smartphone, you can access your digital nib card to save bringing your plastic card with you to your healthcare appointments. Find your digital member card in the latest nib App for Apple or Android - just look for “My nib card”.

Your digital card can be used at your healthcare appointments instead of your plastic card, so you don't technically need both, but new members are sent a plastic card when they join.

Using your card to claim after an appointment

Scan your nib card to claim on the spot at any healthcare provider with a HICAPS card terminal. If your claim is successful, the amount we can pay will be automatically calculated and your claim instantly processed, so you'll only pay the difference. (Tip: check your remaining Extras benefits in the nib App before your appointment!)

If you forget to bring your card to your appointment, you’ll have to pay the full amount charged by your healthcare provider, and then submit a claim in your member account via the app or online. (If you’ve got your digital card handy on your iPhone or Android device, you won’t need to remember to bring your physical one!)

Updating your details

If you’ve updated your details, you’ll be sent a new nib card. If you’re using the digital card, it will update automatically (for Apple users, make sure you have Automatic Updates enabled within Apple Wallet). If any details on your card are incorrect, please contact us.

Ordering a new card

You can order a new card in your member account. Your new card should be sent to you within 7-10 business days.

Unable to claim?

If your card isn’t working, there are a few things you can check in your member account that may identify the problem:

  • Are you covered for the service you’re trying to claim on?

  • Have you served your waiting periods?

  • Have you reached your annual limit for the service?

  • Are you up to date with paying your premiums?

If your card still isn’t working please contact us.

More information about your nib card, including the terms you agree to by using it, is in your Policy Booklet or Fund Rules.

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