Couples health insurance
Cover for both you and your partner, whether you want peace of mind or comprehensive protection.
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, or just want peace of mind - we’ve got you covered.
4% discount
Get 4% off your premiums when you choose to pay by direct debit (excludes Ambulance Only cover).
Minimise out of pockets
Our healthcare networks help you get the best value from your cover and lower out of pocket costs.
Make tax savings
Having health cover could mean you save on tax if the two of you have a combined taxable income of over $180,000.
Your cover at your fingertips
Manage your policy wherever you are with your member account and the nib App. Snap a photo of your receipt to claim, check your benefits on the go, and more!
Get more value from our optical, dental and physio offers*
Visit an nib First Choice network provider for physio, optical and dental services, including exclusive No Gap offers. Use our Find a Provider, opens in a new tab tool to search for a participating provider near you.
*Terms and conditions apply. Find out more., opens in a new tab
Why it's worth being with nib
When you join you get more than just great health cover. See all the benefits you and your partner can enjoy as members.
Couples cover options
Our health cover is flexible, so you can choose the right combination of Hospital and Extras cover for both of you.
- Hospital
- Extras
Both of you are covered if you’re admitted to hospital. Just choose the tier and excess amount that works best for you.
All our Hospital products come with accidental injury and emergency ambulance cover, and have no annual limits.
Basic Care Hospital Plus
Cover for the basics plus some additional services such as Dental Surgery.
- Dental surgery
- Gastrointestinal endoscopy
- Gynaecology
- Hernia and appendix
- Joint reconstructions
Bronze Protect Hospital Plus
Affordable hospital cover for a wide range of procedures including Sleep Studies.
- Dental surgery
- Gastrointestinal endoscopy
- Bone, joint and muscle
- Ear, nose and throat
- Kidney and bladder
- Lung and chest
- Sleep studies
Silver Secure Hospital Plus
An extensive level of cover which excludes higher tiered procedures such as pregnancy and joint replacements.
- Dental surgery
- Gastrointestinal endoscopy
- Bone, joint and muscle
- Ear, nose and throat
- Kidney and bladder
- Lung and chest
- Sleep studies
- Back, neck and spine
- Heart and vascular system
Silver Advantage Hospital Plus
High level cover, without pregnancy, weight loss surgery and other services.
- Dental surgery
- Gastrointestinal endoscopy
- Bone, joint and muscle
- Ear, nose and throat
- Kidney and bladder
- Lung and chest
- Back, neck and spine
- Heart and vascular system
- Rehabilitation
- Cataracts
- Joint replacements
Gold Top Hospital
The most comprehensive Hospital cover, including pregnancy and assisted reproductive services. Must be taken with Extras.
- Dental surgery
- Gastrointestinal endoscopy
- Bone, joint and muscle
- Ear, nose and throat
- Tonsils, adenoids and grommets
- Kidney and bladder
- Lung and chest
- Sleep studies
- Back, neck and spine
- Heart and vascular system
- Rehabilitation
- Cataracts
- Joint replacements
- Hospital psychiatric services
- Weight loss surgery
- Pregnancy and birth
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