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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.

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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, 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.

Take advantage of our optical and dental* offers

Visit an nib First Choice Optical provider or nib Dental Centre for No Gap on selected products and services, including dental check-ups, selected glasses and contact lenses as well as other great discounts.

*Terms and conditions apply.
Find out more

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.

Student and non-student dependants

Student and non-student dependants can remain on their extended family health insurance until their 31st birthday.

Take advantage of our optical and dental* offers

Visit an nib First Choice Optical provider or nib Dental Centre for No Gap on selected products and services, including dental check-ups, selected glasses and contact lenses as well as other great discounts.

*Terms and conditions apply.
Find out more

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.

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 Essential Hospital Plus

Protect your family with basic cover that includes some specific hospital services.

  • Dental surgery
  • Gastrointestinal endoscopy
  • Gynaecology
  • Tonsils, adenoids and grommets
  • Joint reconstructions

Bronze Hospital Plus

Affordable hospital cover for the whole family that includes a wider range of procedures.

  • Dental surgery
  • Gastrointestinal endoscopy
  • Bone, joint and muscle
  • Ear, nose and throat
  • Tonsils, adenoids and grommets
  • Kidney and bladder
  • Lung and chest

Silver Hospital

Comprehensive cover, without paying for costly age-related services that your family might not need.

  • 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

Silver Select 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

Fully comprehensive cover for total peace of mind that your family’s health is protected.

  • 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
  • Hospital psychiatric services
  • Weight loss surgery
  • Pregnancy and birth

Basic Essential Hospital Plus

Protect your family with basic cover that includes some specific hospital services.

  • Dental surgery
  • Gastrointestinal endoscopy
  • Gynaecology
  • Tonsils, adenoids and grommets
  • Joint reconstructions

Bronze Hospital Plus

Affordable hospital cover for the whole family that includes a wider range of procedures.

  • Dental surgery
  • Gastrointestinal endoscopy
  • Bone, joint and muscle
  • Ear, nose and throat
  • Tonsils, adenoids and grommets
  • Kidney and bladder
  • Lung and chest

Silver Hospital

Comprehensive cover, without paying for costly age-related services that your family might not need.

  • 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

Silver Select 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

Fully comprehensive cover for total peace of mind that your family’s health is protected.

  • 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
  • Hospital psychiatric services
  • Weight loss surgery
  • Pregnancy and birth

Choose the right mix of Hospital and Extras cover that meets the needs of your family.