Great value health cover

Why you value your nib health cover

In financial year 2015, nib paid out more than $1.2 billion in benefits on behalf of all customers in claims, state levies and compulsory payments to the government's risk equalisation scheme.

Without private health cover you could wait months for public hospital treatment under Medicare.

124 days
for removal of tonsils
14 days
for coronary bypass surgery
109 days
for hip replacement
191 days
for knee replacement

The wait times are even longer if you take into account the waiting time to see a specialist.

*Source: Australian Institute of Health and Welfare, Australian hospital statistics 2014-15: elective surgery waiting times. Waiting times at the 50th percentile. Report dated October 2015.

Private hospital treatment can be expensive if you don’t have the right level of nib health cover.

for removal of tonsils
for coronary bypass surgery
for hip replacement
for knee replacement

Having the right level of nib hospital cover means you don't have to go it alone with your hospital bills.

*Average charge to nib Customers for procedures in a private hospital (rounded to the nearest $1), in 2015. Correct as at March 2016. Average costs include all charges for the total hospital procedure (including and not limited to Medical, Hospital and Prostheses, but not including surgeons' and specialists' charges)

What our customers say...

"I find everything clear and easy to understand. I love using the app as it is quick and easy. I find the nib staff to be exemplary - they are always kind, helpful and polite. Definitely the best staff of any service I use."


Value for money

Unlimited emergency ambulance cover

Things don't always go to plan. If you need an ambulance, even a short trip could cost you thousands of dollars. Unlike some other health funds, with nib you're covered for an unlimited number of ambulance trips associated with an emergency or if the doctor says it's medically required. In 2015 the average ambulance ride cost $825*.

Discount for paying by direct debit

Receive a discount on your premiums when you pay by automatic direct debit from a financial institution, cheque or savings account (excludes Ambulance Only cover) because every little bit helps.

10% discount on nib Travel Insurance^

As an nib health cover customer you're entitled to 10% off nib Travel Insurance^. That's cheaper cover for international or domestic travel - which you know you can rely on. Buy online at

*Average ambulance charge incurred by nib customers in 2015 (excluding TAS and QLD residents). Correct as at March 2016. ^10% discount applies to the nib Travel Insurance premium (including GST and stamp duty) for customers that currently hold an nib health insurance product, Overseas Student Health Cover product or an Overseas Visitors Health Cover product with nib. This discount offer is correct at time of publication and may be withdrawn at any time.


Tailor your cover to suit you

With nib, you have the flexibility to choose the level of hospital cover that best suits your needs and budget. And there's a range of Extras from Dental to Optical to Speech Pathology and everything in between - choose a bundle that you're most likely to use. Find out more

Choice of providers

For all your Extras, like Dental, Optical, Physio and much more, there are thousands of nib recognised Extras providers for you to choose from.

Choice of private hospitals

With your nib hospital cover our agreements with more than 70% of Australian hospitals can save you money at approximately 460 private hospitals and day facilities across the country.

Some cover combinations to consider

from $20.57* wk
Basic Hospital
Core Extras
from $30.80* wk
Standard Hospital
Core Plus Extras
from $45.62* wk
Top Hospital
Core Extras
*Based on a single in NSW/ACT with a taxable income of $90,000 or less. Includes Australian Government Rebate for singles aged <65, 4% direct debit discount, $500 excess per calendar year and excludes Lifetime Health Cover loading. Waiting periods and conditions apply.
Download the nib Health Funds iPhone, iPad & Android apps


Better online access

Manage your health cover on the go, from any device. nib Online Services is so easy to use; you can view your cover, check your Extras usage and claims history, update your details, even order statements for tax.

Health cover in your hands

We believe that health cover should be easy to understand and easy to use, wherever you are. That's why the nib App for iPhone®, iPad® & Android makes it easy to get the most from your nib health cover.

More information

Supporting the community

nib foundation has committed over $12.9 million in grant funding to Australian charities since it was established by nib in 2008.

Our unique partnerships with more than 95 organisations have positively impacted the health and wellbeing of 45,000 people in the community.

More information
nib foundation charitable organisation