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Hospital cover

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

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.

Is it worth getting private Hospital cover?

Doctor holding hand of girl in hospital bed

Is it worth getting private Hospital cover?

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.

Choose your cover

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

All our Hospital products cover you for accidental injury and emergency ambulance, and have no annual limits.

Basic Essential Hospital Plus

Protect yourself with basic cover that includes some specific hospital services.

  • Dental surgery
  • Gastrointestinal endoscopy
  • Gynaecology
  • Hernia and appendix
  • Joint reconstructions

Bronze Hospital Plus

Affordable cover that includes a wider range of hospital procedures.

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

Silver Hospital

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

  • 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 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
  • 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 your total peace of mind.

  • 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 yourself with basic cover that includes some specific hospital services.

  • Dental surgery
  • Gastrointestinal endoscopy
  • Gynaecology
  • Hernia and appendix
  • Joint reconstructions

Bronze Hospital Plus

Affordable cover that includes a wider range of hospital procedures.

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

Silver Hospital

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

  • 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 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
  • 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 your total peace of mind.

  • 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

Why nib Hospital?

Here when it matters most

Find out how 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 health cover could mean you save on tax if you have a taxable income of over $93,000.

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.

Here when it matters most

Find out how 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 health cover could mean you save on tax if you have a taxable income of over $93,000.

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.

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 might be the right choice for you.

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Australian Government Rebate Form

To make private health insurance more affordable, the Federal Government provides many Australians with a rebate, known as the Australian Government Rebate on Private Health Insurance (AGR).


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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).


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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.


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Australian Government Rebate Form

To make private health insurance more affordable, the Federal Government provides many Australians with a rebate, known as the Australian Government Rebate on Private Health Insurance (AGR).


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.