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 health insurance 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.
Skip the wait
We'll waive the 2 and 6 month waiting periods on Extras when you choose any Hospital + Extras cover online by 31 January.
New Australian resident members only. See T&Cs.
Why choose us
100% back^
No gap on dental check-ups, selected glasses and contact lenses as well as other great discounts at nib Dental and Eye Care Centres.
^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 health cover could mean you save on tax if you have a taxable income of over $90,000.
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 members covered by state ambulance schemes.
100% back^
No gap on dental check-ups, selected glasses and contact lenses as well as other great discounts at nib Dental and Eye Care Centres.
^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 health cover could mean you save on tax if you have a taxable income of over $90,000.
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 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 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 cover straight away*.
*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.