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Hospital cover

Put your health first and get covered for treatments in hospital with private Hospital cover.

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Find the right Hospital cover for you

Finding the right Hospital cover is all about making sure it fits your lifestyle. You can choose from a range of covers that are smart, simple and offer value for money.

Here when it matters most

Find out how, opens in a new tab you can get Gold-level Hospital benefits if you have an accident.

Emergency ambulance

All our covers include unlimited emergency ambulance cover, excluding DentalPass and members covered by state ambulance schemes.

Minimise out of pockets

Our healthcare networks help you get the best value from your cover and lower out of pocket costs.

Manage your cover anywhere, anytime

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!

Make tax savings

Having hospital cover could mean you save on tax if you have a taxable income of over $97,000.

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.

Choose your cover

Hospital cover helps you avoid public hospital waiting lists and pays benefits toward the cost of private treatment.

The Hospital cover products listed below include coverage for accidental injury and emergency ambulance services, with 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 Hospital

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
  • Back, neck and spine
  • Heart and vascular system

Silver Advantage Hospital Plus

A high level of hospital cover which excludes pregnancy and some other procedures.

  • 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
  • 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

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 Hospital

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
  • Back, neck and spine
  • Heart and vascular system

Silver Advantage Hospital Plus

A high level of hospital cover which excludes pregnancy and some other procedures.

  • 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
  • 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

If you’re looking for cover to take care of the regular healthcare appointments like a check-up at the dentist or a new pair of glasses, choosing a combined Hospital and Extras cover, opens in a new tab might be the right choice for you.

Hospital cover helps you avoid public hospital waiting lists, pays benefits toward the cost of private treatment and gives you more choice of when and where you’ll be treated. It also gives you peace of mind knowing you and your family will be protected against the unexpected.

Doctor holding hand of girl in hospital bed
A person lying in a hospital bed with a visitor holding her hand.

Going to Hospital

Everything you need to know for your hospital stay: understand the basics, know what to expect on the big day, and prepare for your recovery.


Studying at rooftop cafe

Medicare Levy Surcharge

If you are an Australian taxpayer who doesn't have private hospital insurance, and you earn over a certain amount, you may have to pay the Medicare Levy Surcharge (MLS).


LHC - Picture

Lifetime Health Cover

Lifetime Health Cover (LHC) is a Government initiative aimed at encouraging people to take out private hospital cover earlier in life, and maintain it, to avoid paying more at tax time.