Family health insurance
Cover for single or two parent families, whether you’ve got little ones, all-grown-up ones, or more on the way.
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.
Student and non-student dependants
Student and non-student dependants can remain on their extended family health insurance until their 31st birthday.
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
Minimise out of pockets
Our healthcare networks help you get the best value from your family health insurance and lower out of pocket costs.
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!
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. Learn more about the Medicare Levy Surcharge.
Why it's worth being with nib
When you join you get more than just great health cover. See all the great member benefits for you and your family.
Family cover options
Our family health cover is flexible, so you can choose the combination of Hospital and Extras that fits your family.
- Hospital
- Extras
Cover if a family member is admitted to hospital. On most of our family covers, you won’t need to pay excess for kids under 21.
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
- Tonsils, adenoids and grommets
- 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
How to save money on your health cover
Your health is one of the most valuable assets you’ll ever have. Getting private health…
Basic or Gold: what you get regardless of tier
Choose any hospital tier with nib membership for access to valuable tools and benefits.
How much is an emergency ambulance in my state?
If you’re in an emergency situation with an ambulance on the way, you might be in for…
How to save money on your health cover
Your health is one of the most valuable assets you’ll ever have. Getting private health…
Basic or Gold: what you get regardless of tier
Choose any hospital tier with nib membership for access to valuable tools and benefits.
How much is an emergency ambulance in my state?
If you’re in an emergency situation with an ambulance on the way, you might be in for…