Get 8 weeks free and skip the 2 & 6 month wait on Extras
Choose a combined Hospital + Extras cover online by 30 November.
New members with Australian residency. Offer fulfilled in month 3 of membership.T&Cs apply., opens in a new tab
Find the right health insurance for you
Get a quote based on your lifestage
Whether you're flying solo, starting out with a partner or raising a family - you can choose the right cover to meet your needs.
Get a quote based on cover type
Choose between Hospital cover, Extras cover or get both for complete protection.
Award-Winning Digital Health Insurance
Proud winner of the Digital Health Insurer of the Year award at the 2025 WeMoney Awards.
Get more value from your health insurance
Access a range of benefits to support your health and wellbeing.
Save with our health provider network
Get the most value from your cover with access to our First Choice network of carefully selected health providers, offering No Gap options for optical, physio and dental.
Earn rewards as a member
Enjoy discounts on sneakers, groceries and more with nib Rewards. Plus, earn points on select purchases to save on your next order.
Easily access health services and tools
Keep your health in check with telehealth consults with a medical doctor or nurse practitioner, treatments delivered if recommended by a clinician, and medical certificates.^
Manage your health anytime, anywhere
The nib App lets you manage your cover on the go - letting you claim instantly with your digital card, search your claim history, check your Extras limits and more.
Switching from another health insurer?
If your health needs or situation in life have changed, it’s time to make the switch.
1. Choose the cover that’s right for you
Our range of great value options allows you to choose a cover to suit your individual needs and include services that are right for you.
2. We’ll handle the switch
You can rest easy while we handle the break-up call and paperwork with your previous insurer*.
3. Claim straight away
We’ll recognise any waiting periods you’ve already served, so you can get the most out of your new cover and member benefits straight away**.
Frequently asked questions
Disclaimers
^The provision of a medical certificate is not guaranteed and will depend on the information provided during your consultation and whether the clinician deems it to be appropriate.
*We’ll contact your previous insurer to request a Transfer Certificate. They’re required by government legislation to comply within 14 days.
**Waiting periods may apply for services and higher annual limits not covered with your previous insurer. Any annual limits you have already used with your previous insurer will also carry across to nib until they're reset on 1 January. To ensure you receive this continuity of cover, make sure you switch to nib within 59 days of cancelling your previous policy.
~Not available to: (i) QLD residents who have ambulance services provided by their State ambulance schemes; (ii) TAS residents who are covered under state ambulance schemes in TAS and when travelling in mainland Australia except SA or QLD; or (iii) pensioner, concession or health care card holders who have ambulance services provided by State ambulance schemes (check entitlements with Centrelink if unsure). Benefits for ambulance transportation is only payable where the provider describes the transportation as an ‘Emergency’.