Skip the wait - how exciting-ish.
We'll waive the 2 and 6 momth wait on Extras when you choose any Hospital & Extras cover online by 31 December. .
New Australian resident members only. See T&Cs.
Health insurance that’s right for you
4% discount
Get 4% off your premiums when you choose to pay by direct debit (excludes Ambulance Only cover).
Emergency ambulance
All our covers include unlimited emergency ambulance cover (excluding covers where members are already covered under their state ambulance schemes).
Here when it matters most
Find out how you can get Gold-level Hospital benefits if you have an accident.
Minimise out of pockets
Our healthcare networks help you get the best value from your cover and lower out of pocket costs.
Get more from your membership
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.
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!
4% discount
Get 4% off your premiums when you choose to pay by direct debit (excludes Ambulance Only cover).
Emergency ambulance
All our covers include unlimited emergency ambulance cover (excluding covers where members are already covered under their state ambulance schemes).
Here when it matters most
Find out how you can get Gold-level Hospital benefits if you have an accident.
Minimise out of pockets
Our healthcare networks help you get the best value from your cover and lower out of pocket costs.
Get more from your membership
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.
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!
Ready to get started? Get a quote today.
I’m looking to get cover for:
Singles
Cover for every individual to protect against the unexpected and claim on everyday health services for peace of mind.
Couples
Cover for both you and your partner, whether you want peace of mind or comprehensive protection.
Family
We offer cover for every family, from families with little ones, all-grown-up ones, or more on the way.
Singles
Cover for every individual to protect against the unexpected and claim on everyday health services for peace of mind.
Couples
Cover for both you and your partner, whether you want peace of mind or comprehensive protection.
Family
We offer cover for every family, from families with little ones, all-grown-up ones, or more on the way.
Our most popular combinations of Hospital and Extras Cover
Basic Essential Hospital Plus + Core Extras
Protect yourself with cover that includes emergency ambulance and accidental injury, as well as a selection of more common procedures. Plus, 60% back on day-to-day Extras like dental, up to your annual limit. Includes unlimited preventative dental.
- Dental surgery
- Gastrointestinal endoscopy
- Gynaecology
- Hernia and appendix
- Joint reconstructions
- Optical
- General dental
- Major dental
- Physiotherapy
Our most popular cover combination!
Great value Hospital cover if you want more than the basics, without paying for things you're less likely to need. Plus, 60% back on a wider range of Extras like chiro and osteo, up to your annual limit. Includes unlimited preventative dental.
Silver Hospital + Core and Wellbeing Extras
Have peace of mind knowing you’re taken care of with a higher level of Hospital cover. Plus, be covered for additional healthcare services and get 60% back on Extras, up to the annual limits. Includes unlimited preventative dental.
- 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
- Optical
- General dental
- Major dental
- Physiotherapy
- Chiropractic / Osteopathy
- Psychology
Basic Essential Hospital Plus + Core Extras
Protect yourself with cover that includes emergency ambulance and accidental injury, as well as a selection of more common procedures. Plus, 60% back on day-to-day Extras like dental, up to your annual limit. Includes unlimited preventative dental.
- Dental surgery
- Gastrointestinal endoscopy
- Gynaecology
- Hernia and appendix
- Joint reconstructions
- Optical
- General dental
- Major dental
- Physiotherapy
Our most popular cover combination!
Great value Hospital cover if you want more than the basics, without paying for things you're less likely to need. Plus, 60% back on a wider range of Extras like chiro and osteo, up to your annual limit. Includes unlimited preventative dental.
Silver Hospital + Core and Wellbeing Extras
Have peace of mind knowing you’re taken care of with a higher level of Hospital cover. Plus, be covered for additional healthcare services and get 60% back on Extras, up to the annual limits. Includes unlimited preventative dental.
- 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
- Optical
- General dental
- Major dental
- Physiotherapy
- Chiropractic / Osteopathy
- Psychology
Looking to make the switch to nib?
We'll recognise any waiting periods you've already served so you can get the most out of your new cover - we'll even handle the break-up call with your previous insurer.