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Why it’s worth it

Health cover should be easy to understand, easy to use and most of all good value.

Is your cover still the right fit?

Protection when it matters most

nib provides the peace of mind to know you're covered when you need it.

Access innovative digital tools

Use our interactive hospital guide, online provider search tools and more.

Update your cover

Use Online Services or the app to manage your policy wherever you are.

Helping our customers when it matters most

More than 1 million nib customers just like you were covered by nib in 2018.

1 in 8 customers made a hospital claim in financial year 2018

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emergency ambulance trips were covered by nib in financial year 2018


nights was the average stay in hospital for overnight admissions for nib customers in financial year 2018


customers enrolled in our health management programs in financial year 2018, free of charge for eligible customers

Can you afford to wait?

Without the right cover, wait times in the public system can be weeks, and even months. But if you choose to go to a private hospital without the right cover, it will cost you!

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Tonsil removal
avg. cost
median day wait
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Hip replacement
avg. cost
median day wait
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Coronary bypass surgery
avg. cost
median day wait
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Knee replacement
avg. cost
median day wait

*Costs based on average charge to nib customers for procedures in a private hospital (rounded to the nearest $1), in 2017. Median public hospital wait times sourced from Australian Institute of Health and Welfare data, Public Hospital wait time for public patients (days) 2016 - 2017. Actual wait times will vary by hospital and severity of the condition. Your experience could vary depending on your level of cover, choice of hospital, choice of doctor, MediGap and waiting periods. Category wait times are used where specific procedure wait times are not available.

Time to review your cover?

  •  and make the change online where and when it suits you.
  • Call our award-winning contact centre on 13 16 42 and talk to a real person about the right cover for you. You can also .
  • Pop into an  near you for a face-to-face conversation with one of our friendly team members.

Your toolkit of handy online resources

Use our interactive hospital guide

Find out everything you need to know before going to hospital; we can help you at every step.

Choose a First Choice Provider

Search for a First Choice dentist or optical provider to enjoy on-the-spot claiming and competitive treatment fees.

Find a provider with Whitecoat

Research and compare providers based on patient reviews from people just like you.

Stay updated with The Check Up

Read up on the latest in health insurance, healthy living and community care.

Know your cover with the app

Make a claim in a snap, check out your benefit limits or manage your cover with the nib app.

Customer benefits

Take advantage of discounts, promotions and rewards, just by being an nib customer.