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Waiting periods

Before you can start claiming on your Hospital and Extras, you must have had your chosen cover for a set period of time, (known as a waiting period). nib members can only claim benefits after they have served their waiting periods. This is necessary to keep health cover fair.

Waiting periods protect existing members who make payments to a fund over time, for when they might need health cover. If we didn’t have waiting periods, people might join a fund to claim for a planned item and then leave. Pre-existing conditions will also affect your waiting periods so it's important to understand how these may impact you.

To find out what waiting periods apply on your policy please log in to view your cover details or contact us. More information is also available in the Policy Booklet.

Waiting periods for hospital procedures

Note: your cover may exclude some of these procedures.

You should also check if a Restriction applies to your cover.

Hospital serviceWaiting period
Accidental injury1 day
Ambulance services1 day
Other conditions requiring hospitalisation (except those listed) that aren't pre-existing conditions2 months
Hospital psychiatric services2 months*
Rehabilitation or palliative care (whether or not a pre-existing condition)2 months
Other pre-existing ailments/conditions (an illness or condition where evident at any time during the 6 months immediately prior to joining nib)12 months
Pregnancy and birth12 months

*A two month waiting period applies to members who take out a product that includes Hospital Psychiatric Services. Members upgrading to a product with full benefits for Hospital Psychiatric Services may be able to waive the 2 month waiting period. This Mental Health Waiver is only available to members who have held hospital cover for at least the previous 2 months, have not previously used their waiver with nib or any other fund, have been admitted to hospital and is under the care of an addiction medicine specialist or consultant psychiatrist.

Waiting periods for extras services

Note: your cover may not include some of these Extras services.

Extras serviceWaiting period
Ambulance services1 day
All other services, except those listed below2 months
Optical appliances and repairs6 months
Healthier lifestyle6 months
Specialty dental (e.g. endodontia, periodontia)12 months
Removal of wisdom teeth and oral surgery12 months
Periodontic surgical, root therapy and endodontic services by a dentist not registered as a specialist12 months
Dentures, denture maintenance/repairs, other prosthodontic services12 months
Orthodontia12 months
Artificial aids (except orthotics and orthopaedic shoes)12 months
Hearing aids36 months

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