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What you get with nib: health insurance perks and member rewards

3 September 2025
A man standing in his kitchen, looking at his phone while smiling

Do you only check in with your private health insurance when it’s time for a check-up? If you’re a nib member, that means you could be missing out on some of the real benefits of your private health cover. 

At nib, we’re passionate about giving you health insurance with great benefits, including tools, discounts and services outside of standard claims to help support you to live your healthiest life.

Keen to discover some of the benefits that come with being an nib member? We’ve put together a few of the perks you might not have known about, so you can get the best value from your health insurance.  

1. Save at your appointments  

If your teeth are giving you grief, your eyesight has seen better days or your joints are aching, it can be tricky to work out which provider is going to be the best option for you for a check-up.  

To help keep your costs down and take the hassle out of finding a provider, nib's First Choice network connects you with a community of recognised health providers offering quality care at agreed rates, just for our members. For selected treatments, you could also pay no out-of-pocket costs with a No Gap offer.

Depending on what your policy covers you for, you could access:

You’re free to visit any recognised provider in Australia, but choosing a nib First Choice provider means you could get more value from your cover.

Not an nib member? 

Get a quote online in minutes or contact us to explore your options!   

2. Save on the everyday 

Who doesn’t love a good discount? If you’re sick of paying full price, then unlock a world of exciting deals and offers through  nib Rewards. This members-only program can save you money without sacrificing the things you love.  It’s a total win-win.  

With 100+ retailers, a range of restaurants and serious savings on everything from groceries to gym memberships, nib Rewards can help you live a fun, healthy and rewarding life.⁶

Interested?  Find out how you can save today.  

3. Save when you go to hospital  

At nib, we work hard to make sure you have everything you need to stay healthy. But what happens if you need to go to hospital? That’s where nib MediGap can help. nib MediGap aims to eliminate or reduce any gap payments for specialist fees in hospitals across Australia.  

If your specialist chooses to participate in MediGap for your procedure, they commit to either charging you a No Gap fee or charging a Known Gap of up to $500. Your specialist can choose to participate on a case-by-case basis so make sure you ask them before your procedure.    

Use our Find a Provider tool to locate a specialist who is part of MediGap network. Need more tips and information to keep your hospital costs down? We've created a handy guide packed with practical tips to help you navigate your options and stay in control. From understanding your cover to avoiding surprise bills, we’ve got your back every step of the way. Simply head to the ‘Going to Hospital’ page for more information.   

Related: Going to hospital? Here's why you should contact nib first.

4. Save on extra help 

Sometimes, a little extra support can make a big difference. Eligible nib members can access Health Management Programs at no additional cost⁷, with support for heart health, cancer, diabetes, mental health and muscle, joint and bone concerns. And depending on your needs, you may even be able to receive treatment or recovery support at home where clinically appropriate.  

Whether you need to get in shape, keep out of hospital or improve your mental wellbeing, our Health Management Programs are delivered by qualified health professionals and can be tailored to suit your individual needs. Learn more about the programs on offer here.   

5. Save on travel insurance 

We know that experiencing new places, people and culture can have a positive effect on your health and wellness, so we offer our members 15% off nib Direct Travel Insurance⁸ meaning you can continue living well – from wherever your adventure takes you!

6. Save on life insurance

A little peace of mind, with a little less to pay. Eligible nib members can save 10% on nib Life Insurance premiums.⁹  

7. Save on telehealth and medical consultations 

Who has the time to wrangle jeans, battle traffic and sit in a waiting room for a doctor’s appointment? Life is busy enough without adding the hassle of in-person visits. That’s where telehealth comes in. nib members can enjoy discounts on online medical consultations through our partner, hub.health, giving you fast and convenient access to clinicians without leaving your home.  

Whether you need advice, a consultation or access to healthcare services, you can connect with a medical doctor or nurse practitioner online in just a few clicks. Plus, where clinically appropriate, you may receive your treatment¹¹ electronically and have it delivered to your door or pick them up from your local pharmacy.10 It’s healthcare that works for your schedule, freeing up time for the things that matter most.  

8. Manage your membership online 

Imagine booking a telehealth appointment, making a claim and discovering the latest discounts and rewards, all in one place? With the nib App, you can! It’s your one-stop-shop for managing and getting the most out of your membership. 

To make things even easier, we’ve created simple guides to help you navigate the app and handle tasks like claims and cover checks whenever it suits you. 

Not with nib and ready to take advantage of our members-only perks? Get a quote today or contact our member service team on 13 16 42. 

Whether you’re new to the nib family or you’ve been with us for decades (we’ve been operating for over 70 years now!), your membership comes with more than just great quality health insurance. Download the app, log into your member account or call us on 13 16 42 for more information on your policy.

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.

¹Payment by nib of dental benefits is subject to serving relevant waiting periods, annual limits and service limits. Check your cover by visiting your member account or call 13 16 42. The dental check-up covers an examination or consultation (011 to 015), diagnostics (022, 037) scale and clean (114, 115) or removal of plaque (111), fluoride treatment (121) as deemed necessary and appropriate in the clinical opinion of the dentist (dentures not included). The services provided will be deducted from your annual limits and/or service limits. The No Gap offer is not to be used in conjunction with any other offer or government scheme, nor substitutable or redeemable for cash and is only available with dentists who have a No Gap First Choice network provider agreement with nib.

²Offers only available in store excluding contacts. If a nib member selects a product outside the range available for their level of cover this may incur a gap payment. Product range may vary between stores and is subject to availability. Product exclusions apply including safety glasses. Lens upgrades and add-ons are available at an extra cost where cost is outside the no gap cover extended by nib to applicable members/level of cover. No restrictions apply to the number of transactions or number of nib customers utilising this offer.

³Covers 100% of the First Choice agreed rate for an initial consultation (item 500). Excludes follow-ups, long consults, telehealth and group classes. Subject to waiting periods, annual/service limits, and nib Fund Rules & Policy Booklet terms. Visit First Choice network physio.

⁴The No Gap offer is available in-store only and applies to hearing devices only (Item numbers 901, 902 and 905). This offer does not apply if the member is not eligible for the government hearing services program, and/or the member selects a hearing aid outside the range covered by the No Gap offer. Subject to waiting periods, annual service limits and nib fund rules & policy booklet terms.

⁵No gap initial consultation applies to an initial 20 minute consultation (item 701) with a selected psychologist from My Mirror. A maximum of 1 no gap initial consultation per psychologist and a maximum of 3 no gap consultations per member in a calendar year. nib Fund Rules and Policy booklet terms apply. Check your cover in your member account or by calling 13 16 42 or +61 2 9692 4300 (outside Australia). Members can claim 100% back up to their annual Digital CBT sublimit when accessing digital mental health programs with THIS WAY UP. Programs covered include: Depression, Generalised Anxiety, Social Anxiety, Health Anxiety, Panic, OCD, Anxiety and Depression, Mindfulness-Enhanced CBT, Pregnancy Anxiety and Depression and Postnatal Anxiety and Depression. nib Fund Rules and Policy booklet terms apply. Check your cover in your member account or by calling 13 16 42 or +61 2 9692 4300 (outside Australia).   

⁶T&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.

⁷Available to eligible nib members who’ve held Hospital Cover for 12 months and served their relevant waiting periods. Additional criteria vary according to each program.  

⁸The discount applies to current nib and GU Health members, current nib Thrive participants and other eligible nib member cohorts who are eligible to purchase and are issued a nib Direct Travel Insurance policy. The discount is not available to nib International Students and Worker members, customers of nib partner-branded products, free members, or former or inactive members or participants. The discount applies to new policy purchases and is based on standard premium rates, including optional covers. It applies automatically upon successful input of a valid membership number, participant number or promotional code, as applicable, and applies to any changes, upgrades or amendments made to the policy prior to commencement of the journey. The discount may apply to changes made after commencement of the journey. Contact Allianz Global Assistance to find out more. Not to be used in conjunction with any other offer.  nib Life Pty Ltd ABN 91 003 037 625 AR 321683 (nib) arranges this insurance as authorised representative for AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 trading as Allianz Global Assistance (AGA). AGA issues and manages travel insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz). Terms, conditions, exclusions, limits and applicable sub-limits apply. nib, Allianz and AGA do not provide any advice on this insurance based on any consideration of your objectives, financial situation or needs. Any advice is general only. You should consider whether the advice is appropriate for you. Before making a decision please consider the Product Disclosure Statement. The Target Market Determination is available at www.allianzpartners.com.au/policies/. nib and AGA receive a commission which is a percentage of the premium you pay for a policy - ask us for further details prior to purchasing.  

⁹Eligible nib members are entitled to a 10% discount on nib Life Insurance premiums, which remains in place for the duration of the cover. nib members are current nib Health members (excluding international members), current Free members or a nib Travel policyholder with an unexpired policy. This offer applies only to new customers who take out a quote and purchase nib Life Insurance policies. The terms of this offer may change at any time and may be withdrawn. nib Life Insurance is issued by NobleOak Life Limited ABN 85 087 648 708 AFSL 247302. Before making a decision, consider the Product Disclosure Statement (PDS), Target Market Determination (TMD) and Financial Services Guide (FSG).

¹⁰Eligible nib members are entitled to a 10% discount on nib Life Insurance premiums, which remains in place for the duration of the cover. nib members are current nib Health members (excluding international members), current Free members or an nib Travel policyholder with an unexpired policy. This offer applies only to new customers who take out a quote and purchase nib Life Insurance policies. The terms of this offer may change at any time. This offer may be revoked at any time.

¹¹The provision of treatments is not guaranteed. It will be based on the information you provide during your consultation and whether the medical doctor or nurse practitioner deems it appropriate for the care of your individual needs. Please note that treatments which have a high potential for misuse, abuse or addiction cannot be recommended via telehealth.