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Member benefits across every product tier

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At nib, we believe health insurance should do more than help cover healthcare costs. It should help you get more value from your cover, make healthcare easier to navigate and give you support when you need it.

So whether you have 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.

1. You could pay less through our First Choice network

If you need to see a dentist, optometrist, physiotherapist, hearing provider or mental health professional, our nib First Choice network should be your first port of call to help lower your out of pocket expenses.

First Choice providers offer agreed rates1 on selected services and treatments. These are fees that nib and the provider have agreed on, helping you get a better idea of what you'll pay and making your Extras limits go further.

Eligible members can also access a range of No Gap offers through participating First Choice providers, helping reduce out-of-pocket costs for selected services.

You can still visit any recognised provider you like and your cover and annual limits stay the same. Choosing a First Choice provider simply means you may be able to reduce your out-of-pocket costs and get more value from your Extras cover.

Use our Find a Provider tool to find a First Choice provider near you.

Did you know?  
International nib members can access our First Choice GP network for a guaranteed No Gap or Known Gap Experience to help reduce any potential out-of-pocket costs. You will pay No Gap, or up to $25 with Known Gap, for most consultations if eligible. Use our Find a Provider tool before your next appointment to check whether your doctor is in our network for a better understanding of what you may need to pay.

2. Unlock deals and discounts

Get access to discounts and offers through nib Rewards. With more than 100 participating retailers, you can save on everything from gym gear to groceries2, earn points on selected offers and unlock even more savings along the way. It's our way of saying thanks for being with nib.

Find out how you can save with nib Rewards.

3. Access No Gap offers on selected services

Depending on your level of cover, participating First Choice providers offer a range of No Gap offers to help reduce or eliminate out-of-pocket costs for everyday healthcare. This can make it easier to stay on top of your health while getting more value from your Extras cover.

Learn more about the No Gap offers available to eligible members.

Waiting periods, annual limits, service limits and eligibility criteria apply. You can use our Find a Provider tool to search for participating No Gap First Choice providers near you.

4. Check in or claim on your cover anytime, anywhere

The nib App makes it even easier for you to manage your health cover in the palm of your hand. Through our app you can:

Not using the nib App yet? Download it for free to manage your cover on the go. If you need help with anything from claims to checking your cover, visit our dedicated Help and Support hub.

5. Keep calm if accidents happen

Accidents can happen when you least expect them.

That's why many of our Hospital covers offer extra protection against the unexpected with the Accidental Injury Benefit. If you’re an nib member and you present for treatment within 72 hours of an accident with a medical practitioner or at a hospital emergency department, and you are subsequently admitted to hospital, you’ll receive benefits in-line with our top hospital cover for the following 90 days3.

6. Reduce specialist out-of-pocket costs with nib MediGap

If you're heading to the hospital, make sure you check if your specialist is enrolled in nib's MediGap network. When a specialist chooses to participate in MediGap for your procedure, they'll charge either No Gap or a Known Gap of up to $500. That means you'll have a clearer idea of what you'll need to pay before treatment, helping you avoid unexpected specialist costs.

Before your procedure, ask your specialist whether they'll bill you as a MediGap patient so you can understand any costs upfront.

7. Go to hospital with confidence

Hospital treatment can feel overwhelming, especially when you're trying to understand costs, waiting periods and what your cover includes.

That's why we've created our Going to Hospital tool, which includes practical information on reducing out-of-pocket costs, understanding your cover and preparing for treatment.

Use the Going to Hospital tool to:

The tool also allows you to check whether your particular procedure is covered by your current policy and whether you have any waiting periods you need to serve.

8. Receive unlimited emergency ambulance cover

Depending on where you live, our health covers include unlimited emergency ambulance services4.

In the 2023 financial year, the average ambulance claim paid for nib members was around $1,0005. Ambulance costs can vary depending on where you live and the type of transport required, so having cover in place can provide peace of mind if an emergency happens.

Find out how much an ambulance could cost in your state or territory.

Need a cover check?

Whether you've recently started a family, changed jobs or simply haven't looked at your cover in a while, now could be a good time to review your policy and make sure it's still right for you.

Take a closer look at what you're covered for, your annual limits and your excess by logging into your member account or the nib App.

For more information on cover reviews, check out our article, Everything you need to know about reviewing your cover or call 13 16 42 to speak with one of our health insurance experts.

The information in this article is general in nature and doesn't take your personal circumstances into account. Before making decisions about your health cover or treatment, consider seeking advice that's appropriate for your situation.

Please note: The information throughout this article serves as broad information and should not replace any advice you have been given by your medical practitioner.

1nib First Choice providers (i.e. our network) offer competitive fees for many commonly claimed treatments and consultations. These fees are reviewed at least annually and are subject to change. Always check nib.com.au/find-a-provider before booking to see if your provider participates or simply ask your provider if they are part of nib’s network at the time of booking. Providers occasionally leave the nib First Choice network so it’s important to check before booking to avoid disappointment. Annual limits, waiting periods and T&Cs apply.

2T&Cs apply. Some offers may vary or be available for a limited time. For members with private health insurance, nib Rewards are available to new members after 30 days of active membership, provided premium payments are up to date.

3Accidental injury benefit is available on selected Hospital covers. Members must present for treatment with a medical practitioner or at a hospital emergency department within 72 hours of an accident. Benefit may apply after the member has been admitted as an inpatient within 90 days of the Accident (excludes Emergency Department consultations/treatments). Policy Booklet terms and Fund Rules apply.

41 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).

5Average ambulance charge incurred by nib members between July 2022 and June 2023 (excluding TAS and QLD residents).