Family Health Insurance

It's important to get the right health insurance that suits your stage of life. No matter what shape or size your family is, we’ve got you covered.

Picking the right health insurance is all about making sure it fits in with your lifestyle.

Established family

You’re not planning on expanding the family and the kids are growing up. You’re looking for a health cover that will protect you and your children.

Young family

You’ve started a family but there’s room for more! You’d like to be covered for the everyday and birth-related services.

Single parent family

You want health insurance that’s priced especially for single parent families to cover yourself and your kids.

Why nib health insurance is worth it

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 hospital cover for the next 90 days.

Choose your extras provider

For extras like dental and physio, see any provider with professional qualifications recognised by nib.

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.

Established family

The kids are growing up and you want to make sure the whole family has the right cover.

You’re looking for a health cover that will protect you and your dependent children from the unexpected.

Some cover options to consider

Ready to compare these cover options?

Switch to nib. It’s worth it.

We'll sort out the paperwork and even handle the break-up call to your previous fund. Find out more.

Grown-up kids stay covered until 25

Unmarried adult children aged 21–25 can stay on the family cover for no extra charge if they are in full-time study (and not working). See our Dependants page for more information.

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Young family

You've started a family but there's room for more! You're looking for a cover that will include things like pregnancy and birth-related services that meets your family's needs.

You can buy Hospital cover and Extras cover in a combined package or separately, so you’re not spending money on things you’re less likely to use. Remember, there's a 12 month waiting period for maternity cover - so you'll have to factor that in.

Some cover options to consider

Ready to compare these cover options?

Planning ahead for pregnancy?

If you are a single or couple with Top Hospital cover, and have held it for at least 12 months, you will be covered for all pregnancy-related services.

30 day cooling off period

Freedom to change your mind with our 30 day cooling off period. Simply contact nib to cancel within 30 days and we will refund your premiums (provided you haven’t made a claim).

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Single parent family

You want health insurance that’s priced especially to cover the unexpected for yourself and your kids.

After all, if you or your child is sick or injured, the last thing you want to be worried about is paying big medical bills. As a single parent, you can purchase any level of family cover and your premium will be lower than a two-parent family.

Some cover options to consider

Ready to compare these cover options?

No excess for kids under 21

If your dependent children need to be admitted to hospital, there’s no excess payable if they’re under 21.

nib Agreement Private Hospital

You can reduce or eliminate the need to pay out-of-pocket hospital expenses by being treated in a nib Agreement Private Hospital. nib has agreements with more than 70% of Australia’s private hospitals.

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Have your kids flown the nest?

Check out our page on singles or couples health insurance.

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Compare Cover Options

Check out our guide to comparing health insurance.