4. Keep calm if accidents happen

It’s not just the 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) could 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 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 days.³

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

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

Take a photo of your receipt and make a claim
View your remaining annual benefits on Extras
Find the nearest location of nib Eye Care Centres, Dental Care Centres and nib Agreement Hospitals

Download the free nib app today to get started.

6. You could pay less through First Choice

If you need to see a dentist, optometrist or physio, our nib First Choice network should be your first port of call to help lower your out-of-pocket expenses. 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, optical or physiotherapy 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.

7. You could cover your costs through Medigap

If you need to go to hospital, you can get in touch with us to find a specialist who participates in nib’s MediGap which is designed to eliminate your out-of-pocket expenses if you need specialist medical treatment. Nine times out of 10, nib members will not pay an out-of-pocket expense for eligible MediGap items when they are treated by a medical specialist.

It’s important to check with your specialist well in advance if they will bill you as a Medigap patient.

8. Go to hospital with confidence

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 particular procedure is covered by your current policy and whether you have any waiting periods you need to serve.

Regardless of what product tier you’re on, there’s never been a better time to review your cover than now. As your life changes, so will your health needs – and we want to make sure you’re covered for the things you need most.

Take a closer look at what you're covered for, your annual limits and your excess by logging into Online Services.

nib members have options when it comes to protecting their health and we encourage you to take a look around and make sure you find the cover that’s right for you. For more information on cover reviews, check out our article, Everything you need to know about reviewing your cover or call 13 14 63 to speak with one of our health insurance experts.

nib benefits

nib benefits

Basic or Gold: Things you get with nib regardless of product tier