Skip to content

Health Insurance

Reclaim your health today with cover options from nib that are smart, simple and value for money.

Join over 1,000,000 Aussies already covered with nib

Find the right health insurance for you


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 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.


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.

Overseas visitor

We have overseas visitors cover for the Visa 600 and 601.

Not sure where to start?
Learn how to compare health insurance

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 international workers in Australia.

Why it’s worth it

Flexible cover options

Our health cover is flexible, so you can choose the right combination of Hospital and Extras to meet your needs.

Say yes to being rewarded

With nib Rewards you can enjoy discounts on hundreds of everyday items and experiences.

We’re always here to help

Our friendly experts are here to help you find the right cover, get the most from it and keep costs to a minimum. Chat to us online, over the phone or in person.

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!

Unlimited emergency ambulance

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

Trusted health providers

Search our network of providers to get the best value from your cover and minimise out of pocket costs. Find specialists, dentists, physios, optometrists and more.

Your private health insurance questions answered

Health insurance can be confusing, so we've compiled answers to some common questions 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 healthcare 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?

Log in to change your level of health cover, or call 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 1 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?

Waiting periods are 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.