Everything you need to know about reviewing your cover
Does your health insurance match your needs and lifestyle?
We believe health insurance should be easy to understand, easy to claim on and most of all good value. Thanks to the Government-initiated reforms introduced as of 1 April 2019, it's now easier for you to compare and choose the hospital cover that's right for you.
Whether you select a Gold, Silver, Bronze or Basic level of hospital cover, the good news is by simply being an nib member, there are a heap of helpful tools and benefits you can access.
Get access to a world of exciting benefits and exclusive offers through nib Rewards. This members-only program can save you money with deals and discounts from some of Australia’s biggest brands.
With 150+ retailers (like David Jones, JB Hi-Fi, Woolworths and Big W), 500 Good Food Guide and Gourmet Traveller restaurants and serious savings on everything from gym gear to groceries, nib Rewards is our way of helping you live a fun, healthy and rewarding life. Find out how you can save today.
Thanks to our hardworking and dedicated team of consultants, we were named Australia’s Best Contact Centre* in 2017. We believe in genuine customer service, so when you call us, you can always speak to a real person.
Plus, with a range of customer service channels, you can contact us when, where and how it suits, be that in person, over the phone or online.
Whether Basic, Bronze, Silver or Gold, if you require an emergency ambulance, we’ve got you covered. Plus, unlike many other health funds, we don’t have any caps on the number of times you use that cover.
The average ambulance claim for nib members in the 2016/17 financial year was $8421, and the most we paid for a member’s ambulance claim over the same period was $10,475.
So, if you don’t have private health insurance, you might have to pay a hefty fee. Find out how much you can expect to pay for an ambulance in every state and territory across Australia.
It’s not just ambulance fees you have to keep in mind. While public hospital healthcare (including emergency treatment) is free to all Australian citizens and most permanent residents, if you need further treatment after your initial admission, that’s when the costs (and waiting times) can quickly add up.
On the majority of our hospital covers, nib offers extra protection against the unexpected with the Accidental Injury Benefit. If you’re an nib member and you seek treatment within 72 hours of an accident at a hospital emergency department, or with a medical practitioner like a GP, you’ll receive benefits in-line with our top hospital cover for the following 90 days.2
The nib app makes it easier for you to manage your health cover in the palm of your hand. Through our app you can:
Download the free nib app today to get started.
If you need to see a dentist or optometrist, our nib First Choice network should be your first port of call to keep your out-of-pocket expenses low. It’s our community of specially-selected health providers who have agreed to provide nib members with quality healthcare and great customer service at an affordable price.
You can choose to see the dentist or optical provider of your choice, but by choosing an nib First Choice provider, it simply means you could pay less. Search the nib First Choice network now to find a provider.
If you need to go to hospital, you can get in touch with us to find a specialist who participates in nib MediGap, which may reduce or even eliminate your out-of-pocket expenses. We have a network of doctors and specialists who may elect to participate in MediGap, where nib pays them a higher benefit than usual for your procedure, as long as they agree not to charge you any out of pockets.
It’s important to check with your doctor well in advance if they will bill you as a Medigap patient.
As an nib member, you have access to our Going to Hospital tool, which is filled with helpful information on health insurance, how to minimise your out-of-pocket expenses and the best questions to ask your specialist.
Through Going to Hospital, you can find a specialist who participates in nib MediGap, find an nib Agreement Hospital (we have agreements with most Aussie private hospitals to help save you money) and get an understanding of the average costs for a procedure like yours.
The tool also allows you to check whether your current policy covers your particular procedure and whether you have any waiting periods you need to serve.
So rest assured that regardless of the level of hospital cover you choose, you’ll still be able to unlock plenty of benefits and bonuses just by being with nib.
For more information about the Government-initiated reforms, visit our dedicated page.
*nib awarded Australia’s Best Contact Centre by Customer Contact Week, Feb 2017.
1Average ambulance charge incurred by nib members between July 2016 and June 2017 (excluding TAS and QLD residents)
2Excludes consult at an Emergency Department or with Medical Practitioner (e.g. GP). Accidental Injury Benefit criteria must be met for approval.