Submit a claim

Claims made in your member account will be processed within three to five business days. Extended processing times may result in a slight delay.  

You’ll be notified when the claim has been paid into your account. If your claim has been rejected, you’ll receive a claim rejection letter via the preferred method of contact we have listed for you.  

Check out our guide on how to check the status of your claim to learn more.

There are a number of reasons a claim may be rejected, including: 

• The service isn’t included in your cover.

• Information is missing from the receipt/s provided.

• The photo of your receipt was blurry.

• The claim is for a service you had over two years ago.

• The service is covered by Medicare, which means you must submit to Medicare first, and then complete your claim with us.

If you are unsure why your claim has been rejected, please contact us. 

Follow our guide on how to view your claims history for more information.

Visit our how to claim gym and weight management guide to learn more.

You generally won’t receive a hospital bill if your procedure was included in your health cover, if you went to an nib Agreement Hospital and if your doctors participated in MediGap. If you did receive a bill, please read our hospital billing guide to learn more.

If your nib policy is terminated, suspended or scheduled for suspension, you can follow these steps to make a claim:

1. Complete a claims form: Contact us during business hours to request a claims form.

2. Submit your claim: Use nibby chat during business hours to upload your completed claims form and itemised receipt.

To process your claim, we’ll also need to verify your details, so please have your member policy number, name, date of birth and address ready.