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.
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 cover helps you avoid public hospital waiting lists and pays benefits toward the cost of private treatment.
All our Hospital cover 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 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
- Kidney and bladder
- Lung and chest
- Back, neck and spine
- Heart and vascular system
- Rehabilitation
- Cataracts
- Joint replacements
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 hospital 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.
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).
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).
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.
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).
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).
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.