Health Insurance
nib provides private health cover that’s smart, simple and value for money - how it should be.
Join over 1,000,000 Aussies already covered with nib
Find the right health insurance for you
Singles
Value for money health insurance for singles. Get just-in-case cover if you're young and fit or choose something more comprehensive for peace of mind.
Couples
Couples health insurance to suit your needs. Whether you're planning for kids or just planning to keep fit and well, we have health cover options for couples like you.
Families
Family health insurance to protect you all. Our covers are for families of any shape and size; from growing young families to established and single parent families.
Overseas student
Our health insurance will meet your student visa requirements.
Overseas worker
Health cover to meet your TSS 482, 485 and 457 visa requirements.
Why nib
nib is one of Australia's fastest growing health insurers providing medical and health insurance to over one million Australian and New Zealand residents.
We also provide private health insurance cover to more than 130,000 international students and workers in Australia as well as offering international health insurance to expats working and travelling overseas.
Why it’s worth it
Great value health cover
Our health insurance options let you tailor your cover to suit your needs. We help protect you (and your family) & give you more choice when it comes to taking care of your health.
Innovative digital tools
We want to make sure you have access to all the health care information you need. Check out our interactive hospital guide & search for a trusted healthcare provider in your local area.
Easy to use
Manage your policy wherever you are with Online Services or on the nib App. You can chat to us online, or speak to a real person in one of our contact centres or retail centres.
Accidental injury benefit
Seek treatment at a hospital Emergency Department within 24 hours of an accident & if you need to be admitted, you'll receive benefits in line with our top level of hospital cover for the next 90 days.
Emergency Ambulance
No annual limits on Emergency Ambulance transportation. Excludes residents of QLD and TAS who have ambulance services provided by their State Ambulance Schemes.
Trusted health professionals
Our provider network gives you access to a community of dentists and optometrists you can trust, who offer quality services and may charge less than other providers.
Your private health insurance questions answered
Health insurance can be confusing, so we've compiled some common questions (and their answers!) to get you on the right track.
What's the best health insurance?
nib of course! But really, it's important you compare health insurance policies to see what's best for you. When comparing it's not always about price. Be sure to review the policy waiting periods, excess, annual limits and decide if you want both Hospital and Extras cover. We've created a guide to finding the best cover for you over at The Check Up.
What's the difference between Medicare and private health insurance?
In Australia, we have the public health care system (Medicare), which provides access to free or low-cost care for certain health issues. If your medical condition isn't life threatening however, you may experience long waiting periods and you won't be able to choose your doctor or hospital. By having private health insurance, you are able to be treated as a private patient, avoid public hospital waiting lists and choose your hospital and treating doctor. It also pays some or all of the costs for your hospital accommodation, theatre, doctor and specialist fees. If you have Extras cover it helps cover the costs of the everyday Extras services such as physiotherapy, dental and optical.
What does private health insurance cover?
Private health insurance is made of two parts - Hospital cover and Extras cover and you're able to buy them separately or packaged together. Hospital helps you avoid public hospital waiting lists and pays benefits toward the cost of private treatment. Extras cover is for the non-hospital everyday services like dental, optical and physio that you use to stay healthy.
What health insurance do I need?
The truth is that there's no 'one size fits all' approach to private health cover. Your policy should be as individual as you are. The first step is to consider if you need cover as a single, couple or family and then what you want to be covered for. Get a quote to view our cover options or call us.
Can I change my level of private health cover?
You can change your level of health cover by calling us. We can help you make sure you have the right health cover for your needs. If you have already served your waiting periods, you won't need to serve them again. However, you may have to serve waiting periods for the new services added to your policy if you have upgraded your level of cover.
What is lifetime health cover loading?
Lifetime Health Cover is a Federal Government initiative where a loading is applied to your premium if you take out hospital cover after the 1st of July following your 31st birthday. It's aimed at encouraging people to take out hospital cover early in life and maintain it.
What are waiting periods and how long are they?
A waiting period is the time you need to wait after taking out private health insurance before you can claim on a service or item covered on your policy. All health insurers have them – it's necessary to keep health cover fair.
How do I switch to nib?
Switching to nib is easy. Choose the health cover that's right for you and we'll take care of the paperwork and the break up call with your previous insurer.
