Member benefits
As a member, you get more than just great health cover. Access rewards, discounts and programs to suit your health and lifestyle.
Save with nib Rewards
Get even more value from your membership with discounts on major brands. Earn points on selected offers and unlock even more savings - it’s our way of saying thanks for being with nib!
Enjoy member discounts
Need help managing your membership?
Explore step-by-step guides for making claims, updating details, managing payments and more through the nib App or online member account.
Member-only tools and programs
Find your provider
Search our network of healthcare professionals in your local area to get the best value from your cover.
First Choice network
Get the most value out of your health insurance Extras and help lower your out of pocket costs with our network of trusted health professionals–including dental, optical and physio.
No Gap dental
Get more from your Extras cover with No Gap preventative dental check-ups from participating practitioners to reduce out of pocket costs and makes your dental Extras limits last longer.
Going to hospital
We can help you prepare for hospital, select a specialist and show you how to reduce your costs.
Your nib App
Claim in a snap, check your Extras limits, manage your cover and search for local healthcare professionals.
Your digital nib card
Find your digital card for Apple and Android in the latest nib App so you can have your member card handy wherever you go.
Chat to nibby
You’ll be surprised what nibby knows. Chat is available online 24/7 to help you manage your cover and point you in the right direction.
Check your symptoms
Analyse your symptoms quickly and confidentially and get advice when to see medical attention with nib Symptom Checker, exclusively available in the nib App.
Access Health Management Programs
We want you to be at your healthiest. That’s why we’ve partnered with trusted providers to offer eligible members a range of Health Management Programs at no additional cost. Use the Find a Program tool to find out if you’re eligible.
Other benefits
HealthCheck
Complete the free HealthCheck survey to get personalised insights and resources to help you focus on improving key areas of your health.
Skin Check
Take a short 3-minute survey to understand your skin type and get some tips to reduce your risk of developing skin cancer.
Chat to nibby
You’ll be surprised what nibby knows. Chat is available online 24/7 to help you manage your cover and point you in the right direction.
Helping others with nib foundation
We're helping people to live healthier lives through nib foundation. We've committed over $21 million in funding to support 166 charities.
Disclaimers
+Only available for Australian Resident policies. Not available on ambulance cover.
#Eligible members must be aged 18-29 and not a dependant under the policy. Discount calculated at 2% for each year an eligible member is aged under 30, to a maximum of 10% for 18 to 25 year olds. Read more
^nib Travel Insurance Distribution Pty Limited, ABN 40 129 262 175, AR 336467 is an authorised representative of nib Travel Services (Australia) Pty Ltd (nib), ABN 81 115 932 173, AFSL 308461 and act as nib's agent and not as your agent. This is general advice only. Before you buy, you should consider your needs, the Product Disclosure Statement (PDS) Financial Services Guide (FSG) and Target Market Determination (TMD) available from us. This insurance is underwritten by Pacific International Insurance Pty Ltd, ABN 83 169 311 193.
The discount applies to the total nib travel insurance premium and is for customers that currently hold an Australian health insurance product, or an Overseas Student Health Cover product with nib. The discount is not available to customers who hold an Overseas Visitors Health Cover product. Discounts do not apply to the rate of GST and stamp duty or any changes you make to the policy. nib has the discretion to withdraw or amend this discount offer at any time. This discount cannot be used in conjunction with any other promotional offer or discount.
**Eligible 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.
The information provided on this website is factual in nature and any advice is general in nature. Before making a decision to purchase or continue holding a product, you should consider your personal objectives, financial situation and needs. You should also read the relevant Product Disclosure Statement (PDS), Target Market Determination (TMD) and Financial Services Guide (FSG), available on this website.
nib Life Insurance is issued by NobleOak Life Limited (NOL) (ABN 85 087 648 708) (AFSL 247302). In this communication, all references to “our”, “us”, “we”, “NobleOak” means NOL. nib Life Pty Limited (ABN 91 003 037 625) (nib) is an Authorised Representative of NobleOak Services Limited AFSL 286798 for the purposes of providing general advice and arranging for customers to apply for nib Life Insurance. nib acts on behalf of NobleOak Services and not on your behalf. nib and its related bodies corporate (nib entities) do not assess and are not responsible for applications, claims or benefit payments under the product or in connection with life insurance. nib Life Insurance issued by NOL is not a product of, nor is it guaranteed by, nib or any related bodies corporate of nib. NOL and its representatives handle all claims.
You should not cancel any existing life insurance policy until you have received written confirmation that your replacement cover is in place.
* The provision of a medical certificate is not guaranteed and will depend on the information provided during your consultation and whether the clinician deems it to be appropriate.
~Offer valid until 30 June 2026. Applicable to the following services provided by hub.health– telehealth and medical consultations with a clinician, medical certificates, treatment purchases and shipping. The offer does not apply to hubPass subscription fees. The discount cannot be used in conjunction with hubPass membership or with any other promotional offer or discount. nib and hub.health reserve the right to withdraw this offer at any time. hub.health Terms and Conditions will apply.
Become a member
There's more to nib than just great health cover. Join today and become part of the community.