Things you didn’t know you could do with your nib health cover

When it comes to your private health insurance, do you only check in when it’s time for a check-up? If you’re an nib member, that means you could be missing out on taking advantage of some of the benefits of your private health cover.

At nib, we’re passionate about being more than your health insurer; we’re committed to being your health partner, offering you health insurance with the best benefits, including tools, discounts and services over and above insurance to help you live health first.

Keen to find out some of the other benefits that come with being an nib member? We’ve put together a few of the perks you might not have known about, designed to help you get the best value from your health insurance.

If your teeth are giving you grief, your eyesight has literally seen better days or your joints are aching, it can be tricky to work out which provider is going to be the best option for you for a check-up.

To help keep your costs down and take the hassle out of finding a provider, nib’s First Choice network connects you with a community of trusted health providers offering quality care at reduced rates for our members.

If you have Extras cover with nib you can:

• Access No Gap dental check-ups with participating dental providers to save while you keep your smile looking its best.

• Enjoy optical discounts and and selected No Gap offers.

• Get 100% back on your initial consultation with an nib First Choice physiotherapist.

You’re free to see any qualified dentist, optometrist or physiotherapist whose credentials are recognised by nib, but choosing an nib First Choice provider can make managing your health more affordable and stress-free.

Here’s how our members benefited from using their Extras cover in the last financial year:¹

• nib members made over 4.1 million Extras visits.

• On average, we paid $224 per dental visit and $191 per optical claim.

Search the nib First Choice network now to find a provider so you can focus on staying healthy without the worry of extra costs.

Who doesn’t love a good discount? If you’re sick of paying full price, then unlock access to a world of exciting benefits and exclusive offers through nib Rewards. This members-only program can save you money and help you live better; it’s a total win-win.

With 100+ retailers, a range of restaurants and serious savings on everything from groceries to gym memberships, nib Rewards is our way of helping you live a fun, healthy and rewarding life.²

Interested? Find out how you can save today.

At nib, we want you to be at your healthiest. So, if you need a helping hand to manage your joint pain, cancer, diabetes, heart health, anxiety or depression, you might wish to find out if you qualify for one of our Health Management programs at no additional cost for eligible members³. Here are a few examples of the programs on offer:

Healthy Weight For Life: This specialised knee and hip arthritis management program has been designed to help you better manage joint pain and get back to doing what you do best. The program includes personalised service, a portion-controlled eating plan, and activity plan and online support.

Cardihab: Designed by the Australian Heart Foundation and Australian Cardiac Rehabilitation Association guidelines, Cardihab is a cardiac rehabilitation program that you can use anywhere at any time. The program includes personalised mentoring from a registered nurse supporting your recovery, providing a care plan and answering some of your biggest questions post-treatment.

Hospital Support Program: Going to hospital can be a stressful time. This phone-based program gives members access to an experienced registered nurse to help navigate the health system and understand your options before, during and after a hospital stay. This is designed to accompany the usual care provided by your specialist or GP.

Whether you need to get in shape, keep out of hospital or improve your mental wellbeing, our health management programs are delivered by qualified health professionals and can be tailored to suit your individual needs.

We know that experiencing new places, people and culture can have a positive effect on your health and wellness, so we offer our members 10% off nib Travel Insurance⁴ meaning you can continue living health first – from wherever your adventure takes you!

At nib, we work hard to make sure you have everything you need to stay healthy. But what happens if you need to go to hospital? That’s where nib MediGap can help. nib MediGap aims to eliminate or reduce any gap payments for specialist fees in hospitals across Australia.

If your specialist chooses to participate in MediGap for your procedure, they commit to either charging you No Gap or charging a Known Gap of up to $500. Your specialist can choose to participate on a case-by-case basis so make sure you ask them before your procedure. We know that going to the hospital is stressful, and the last thing you should worry about is your bill. Use our Find a Provider tool to locate a specialist who is part of MediGap network.

Need more tips and information to keep your hospital costs down? We've created a handy guide packed with practical tips to help you navigate your options and stay in control. From understanding your coverage to avoiding surprise bills, we’ve got you covered every step of the way:

• Check if your procedure is included in your cover

• Find a specialist that’s right for you

• Choose the hospital that suits your needs

• Learn how to steer clear of unexpected costs

Simply head to the ‘Going to Hospital’ page for more information. 

Related: Going to hospital? Here's why you should contact nib first.

Who has the time to wrangle jeans, battle traffic and sit in a waiting room for a doctor’s appointment? Life is busy enough without adding the hassle of in-person visits. That’s where GP telehealth comes in. nib members can enjoy discounts on online medical consultations through our partner, hub.health, giving you fast and convenient access to doctors without leaving your home.

Whether you need advice, a diagnosis, or a new prescription, you can connect with a medical professional online in just a few clicks. Plus, with eligible e-scripts sent straight to your phone, you can have your medication delivered to your door or pick it up from your local pharmacy. Repeats are even managed automatically, so you’ll never run out. It’s healthcare that works for your schedule, freeing up time for the things that matter most.

Imagine booking a GP telehealth appointment, making a claim and discovering the latest discounts and rewards, all in one place? With the nib App, you can! It’s your one-stop-shop for managing and getting the most out of your membership.

To make things even easier, we’ve created simple guides to help you navigate the app and handle tasks like claims and cover checks whenever it suits you.

Not with nib and ready to take advantage of our members-only perks? Get a quote today or contact our member service team on 13 16 42.

Whether you’re new to the nib family, or you’ve been with us for decades (we’ve been operating for over 70 years now!), your membership comes with more than just great quality health insurance.

Download the app, log into your member account or call us on 13 16 42 for more information on your policy.

¹ Figures are general claims statistics taken for the full financial year July 1 2023 – June 30 2024 for nib Health Insurance.

²T&Cs apply. Some offers may vary or be available for a limited time. Payments for eGift cards made by debit/credit card incur a 1% processing fee. nib Rewards are available to new members after 30 days of active membership, provided premium payments are up to date. For more information on member rewards, visit nib Rewards.

³Available to eligible nib members who’ve held Hospital Cover for 12 months and served their relevant waiting periods. Additional criteria vary according to each program.

⁴The discount applies to the nib travel insurance base premium, including additional options, GST and stamp duty, excluding the additional premium for specified medical conditions. The discount is for members that currently hold an Australian health insurance product, an Overseas Student Health Cover product or an Overseas Visitors Health Cover product with nib. nib has the discretion to withdraw or amend this discount offer at any time. 

nib Travel Insurance Distribution Pty Limited, ABN 40 129 262 175, AR 336467 is an authorised representative of nib Travel Services (Australia) Pty Ltd (nib), ABN 81 115 932 173, AFSL 308461 and act as nib's agent and not as your agent. This is general advice only. Before you buy, you should consider your needs, the Product Disclosure Statement (PDS), Financial Services Guide (FSG) and Target Market Determination (TMD) available from us. This insurance is underwritten by Pacific International Insurance Pty Ltd, ABN 83 169 311 193.