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Health Insurance

Reclaim your health today with health insurance options that are smart, simple and offer value for money.

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Find the right health insurance for you

Finding the right private health cover is all about making sure it fits your lifestyle. Whether you’re young and fit, health conscious, raising a family or just want peace of mind, we’ve got you covered.

Get up to $800 off - how exciting-ish.

When you choose a Hospital + Extras cover online by 30 June. Plus, skip the 2 and 6 month wait on Extras! And get an additional two (and a bit) weeks free a year, when you pay for your combined cover with direct debit^.

New Australian resident members only. Offer fulfilled over 2 years in months 3 & 13 of membership. Eligible products only. Value of offer based on level of cover selected, see details. See T&Cs. ^A 4% discount will be applied to direct debit payments from your bank, building society or credit union cheque or savings account.

Take advantage of our optical and dental^ offers

Visit an nib First Choice Optical provider or nib Dental Centre for no gap on selected products and services, including dental check-ups, selected glasses and contact lenses as well as other great discounts.

*Terms and conditions apply. Find out more.

More than just great health cover

Take advantage of rewards, discounts, promotions and programs to help you take control of your health and happiness. It’s our way of saying thanks.

Make tax savings

Having hospital cover could mean you save on tax if you have a taxable income of over $93,000.

Your cover at your fingertips

Manage your policy wherever you are with your nib account and the nib App. Snap a photo of your receipt to claim, check your benefits on the go, and more!

Minimise out of pockets

Our healthcare networks help you get the best value from your cover and lower out of pocket costs.

Emergency ambulance

All our covers include unlimited emergency ambulance cover, excluding DentalPass and members covered by state ambulance schemes.

Take advantage of our optical and dental^ offers

Visit an nib First Choice Optical provider or nib Dental Centre for no gap on selected products and services, including dental check-ups, selected glasses and contact lenses as well as other great discounts.

*Terms and conditions apply. Find out more.

More than just great health cover

Take advantage of rewards, discounts, promotions and programs to help you take control of your health and happiness. It’s our way of saying thanks.

Make tax savings

Having hospital cover could mean you save on tax if you have a taxable income of over $93,000.

Your cover at your fingertips

Manage your policy wherever you are with your nib account and the nib App. Snap a photo of your receipt to claim, check your benefits on the go, and more!

Minimise out of pockets

Our healthcare networks help you get the best value from your cover and lower out of pocket costs.

Emergency ambulance

All our covers include unlimited emergency ambulance cover, excluding DentalPass and members covered by state ambulance schemes.

One simple switch

Make the switch to great value health cover that’s easy to understand and easy to claim on—we’ll even handle the break-up call with your previous insurer.

  • 1. Choose the cover that’s right for you

    Our range of great value options allows you to tailor your private health cover to include services that are right for you, including Extras like dental and optical.

  • 2. We’ll do the paperwork for you

    We’ll contact your previous insurer to request a Transfer Certificate. They’re required by government legislation to comply within 14 days.

  • 3. Claim straight away

    We recognise any waiting periods you’ve already served so you can get the most out of your new private health cover straight away*.

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*Waiting periods may apply for services and higher annual limits not covered with your previous insurer. Any annual limits you have already used with your previous insurer will also carry across to nib until they're reset on 1 January. To ensure you receive this continuity of cover, make sure you switch to nib within 59 days of cancelling your previous policy.

Frequently asked questions

Health insurance can be confusing, so we’ve put together some answers to common questions to help get you on track.