Choosing the right health insurance for you
Finding the right health insurance is all about making sure it fits your lifestyle and covers you when you need it. Whether you’re young and fit, health conscious, raising a family or just want peace of mind, nib has a range of options.
Different cover options
Our singles, couples and family Hospital plans offer a range of cover levels, from entry-level accident-only options right up to comprehensive top-tier hospital cover. There's also a range of Extras you can add to your plan to get exactly the right cover for you.
All our Hospital products for singles, couples and families cover you for accidental injury and emergency ambulance cover, and have no annual limits.
If it's just you: Singles health insurance
As well as a range of Hospital cover options, you can choose from a range of Extras. A mid-tier Extras option could be a good fit if you want cover for things like general dental, optical and physiotherapy.
You can also access special discounts, including up to 10% off hospital cover premiums if you're aged 18 to 29, and a 4% discount on most policies if you choose to pay by direct debit.
If you and your partner need cover: Couples health insurance
Whether you want peace of mind or comprehensive protection, we offer cover for a range of scenarios for you and your partner.
Hospital cover levels vary in what they include, so it's worth comparing what matters most to you both. If you both earn above a certain amount, getting hospital cover can also help you avoid the Medicare Levy Surcharge.
If you're covering your family: Family health insurance
Whether you and your children need extra coverage or just want the basics covered, it's worth comparing cover levels to find what suits your family. Our mid-tier cover levels include procedures related to tonsils, adenoids and grommets treatments; ear, nose and throat conditions; and gynaecology.
All our family plans provide cover if a family member is admitted to hospital. This includes not having to pay an excess for kids under 21.
Extras health insurance
Having Extras health insurance means you can claim for your regular healthcare appointments that aren’t usually covered by Medicare. This could be anything from a dentist check-up, a new pair of glasses or a visit to your physio. It could also include other services, like acupuncture and dietary advice, depending on your level of cover.
Hospital cover
Why choose Hospital cover? It helps you avoid public hospital waiting lists, pay for private treatment and gives you more choice of when and where you’ll be treated.
Choose from different levels of cover to help protect you and your family against the unexpected.
Ambulance cover
Having to call an ambulance is stressful enough, without a bill to pay afterwards. Our emergency ambulance cover has only a one-day waiting period and covers 100% of the cost of an ambulance transfer to hospital by a state or territory ambulance service.1
Overseas students
We offer visa compliant health insurance for overseas students. From doctors and specialist appointments, to hospital, emergency ambulance and prescription medicine, our coverage can help ease your mind while you’re studying in Australia.
Overseas visitors
If you’re on a working visa, we have three levels of coverage for you to choose from, to help you rest easy in your home away from home. From basic hospital cover through to our highest-level hospital cover and essentials, like dental, optical and physio, there’s something for every visitor.
Other considerations
While we work hard to take the complexity out of health insurance for you, it’s important you take time to consider your options and other factors.
Waiting periods
Waiting periods refer to the time from when you sign up to a new policy, to the time you can actually use the cover or claim money back for out-of-pocket expenses.
Waiting periods vary and apply to both Hospital and Extras cover at different levels. For example, our waiting period for a Hospital accidental injury benefit is one day, whereas cover for pregnancy and birth (obstetrics) is 12 months.
Life stages
It’s important to reassess your health insurance at different parts of your life’s journey. For example, if you’re thinking about starting a family, you might want to consider pregnancy and birth cover, or more comprehensive cover once the kids come along.
And if you find that when you get older, you need to visit hospital and specialists more, you might want to check that your insurance cover is at the right level to meet your needs.
Ready to find your fit?
Comparing your cover options is the best way to find cover that suits your needs. Get a quote.
The information shared in this article is general and not meant to guide specific financial or health-related choices. Always consult with a professional who understands your personal situation before making any financial or medical decisions.
Disclaimer:
*1 day waiting period applies. 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 and QLD; or (iii) pension and 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’.