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6 of the most common questions from nib health cover members

Consider this your health cover cheat sheet!

50-year-old man wearing a black shirt standing outside at sunset looking at his phone
50-year-old man wearing a black shirt standing outside at sunset looking at his phone

In life, there are always going to be unanswered questions. When did time begin? Which orange came first (the fruit or the colour)? Was math invented or discovered? What’s the colour of a mirror? Why do noses run, but feet smell?

However, when it comes to health insurance, we don’t believe in ‘unanswerable questions’. So, we asked our members their most common queries and put together a quick, easy guide. Consider this your health cover cheat sheet!

1. How do I find out what I’m covered for?

There are plenty of ways to find out exactly what your nib health cover includes. The first is to jump onto member account where you can view your policy, see your latest claims and update your details.

If you think you might need a specific procedure, it’s always a good idea to call nib on 13 16 42. Not only can our expert team talk you through the procedure and help you find a specialist, but we can advise you on ways to reduce or completely avoid any out-of-pocket costs. If you want to find out more, head to our dedicated article: How to know if your health insurance covers you in hospital.

2. How do I make a claim?

Claiming with nib is simple with many registered extras providers using on-the-spot claiming facilities – meaning you simply swipe your nib card and be on your way!

If this facility isn’t available, you can use the nib app (which is available on iPhone, iPad and Android). You just take a photo of your official receipt and hit claim now. For a step-by-step breakdown, you can head to our instructional, How to claim using the nib app.

If you’ve received a bill from a hospital visit, you can head to our hospital billing and claiming page to find out more.

3.  How will I get my money back after claiming? 

Once we receive your claim, we begin processing it straight away. There are a few things we need to confirm from our end – like making sure you’re covered for the treatment, but generally your claim will be paid directly into your account within 7-10 business days. Interested in what happens when you make a claim? Head to our article: How is a health insurance claim assessed?.

4. How can I suspend or cancel my membership? 

We understand that there might be some reasons you’d be interested in suspending your policy – maybe you’re travelling overseas for a chunk of time or maybe you’re financially stretched. So, nib members have the option to suspend their policy. Simply give us a call on 13 16 42 and we’ll help you out.

Thinking of cancelling? We’ll be so sorry to see you go. Give us a call on 13 16 42 and we can organise the cancellation or health fund switch for you.

A woman in her 20s with long dark hair wearing a denim jacket, holding her phone while sitting on a bench

5. How do I update my personal details or change my level of cover? 

Whether you’ve moved address or need to change your contact details, you can update it all using member account or nib App.

Thinking of changing your level of cover or excess? This can also be done online using member account or nib App. However, if you’d prefer to chat with someone about your options, it’s best to call one of our friendly health cover experts on 13 16 42.

6. What are my options when it comes to paying for my cover? 

We like to be as flexible as possible when it comes to paying for your health cover with nib. That’s why we offer the option to pay weekly, fortnightly, monthly, quarterly, half yearly or yearly. When it comes to how you pay, we accept BPay, credit card, direct debit, online card or cheque. Did you know that you can get 4% off your premium if you pay by direct debit from a cheque or savings account1? Find out more information at our Member Payments page.

If you’re thinking about getting private health insurance with nib, you can get a quote online, or call us on 13 14 26 to discuss your options.

If you have questions about your existing nib policy visit member account or call us on 13 14 26.

1Discount not available on Ambulance Only cover.