Who underwrites ING Health Insurance Australia?

ING Health Insurance is issued by nib health funds limited ABN 83 000 124 381 (nib).

How do I claim with ING Health Insurance?

Many extras providers offer on-the-spot claiming. You'll be able to swipe your ING Health Insurance card to cover the benefit ING pays and then pay any difference. If you forget your card or on-the-spot claiming is not available, keep a copy of the official provider receipt so you can upload a scanned copy or photo of it to ING's online member services.

Do I have to re-serve my waiting periods if I switch insurers?

You won't have to re-serve waiting periods for the same level of cover, as long as any break in cover is 59 days or less.

ING health insurance review

You can mix and match five hospital and four extras policies to tailor your health cover.
An accidental injury benefit upgrades lower hospital tiers to Gold cover for 90 days.
Access nib's First Choice network for competitive fees and no-gap prescription glasses.

Pros

The accidental injury benefit gives you Gold-level hospital benefits for up to 90 days after an accident, even if you're on a Basic or Bronze policy.
Mix and match any of the five hospital plans with any of the four extras plans, rather than picking from fixed combined packages.
Ongoing 4% discount on your premiums when you pay by direct debit.

Cons

Upgrading to Gold hospital cover is a big jump in terms of price, with ING Gold Hospital costing roughly $36 more per week than Silver Plus and $49 more per week than Silver.
Beyond a small benefit for gym memberships and health programs, there's little in the way of a wellness or lifestyle program compared with the bigger funds.

10 of 20 results

Treatments	Price
ING Health Insurance - ING Basic Plus Hospital $750 Excess + ING Essential Extras Basic$750 excess	Hospital Rehabilitation Joint reconstructions Dental surgery Hernia and appendix +5 other treatments covered Extras General dental Major dental Optical Hearing aids +4 other treatments covered	$31.16 per week	$600 Reward Finder Rewards: Join Finder then purchase an eligible insurance policy online through Finder as a new ING health customer and hold until 31 March 2027 to receive a $600 digital Visa gift card. Ends 30 Nov 2026. T&Cs apply. Intro offer: Get 6 weeks free, plus 2 and 6 month waiting periods waived on Extras. For new members who join combined Hospital and Extras cover by 30 Nov 2026. T&Cs apply.	Go to Site View details Compare product selectionCompare	loading
ING Health Insurance - ING Bronze Plus Hospital $750 Excess + ING Essential Extras Bronze$750 excess	Hospital Joint reconstructions Ear nose and throat Blood Back neck and spine +18 other treatments covered Extras General dental Major dental Optical Hearing aids +4 other treatments covered	$35.21 per week	$600 Reward Finder Rewards: Join Finder then purchase an eligible insurance policy online through Finder as a new ING health customer and hold until 31 March 2027 to receive a $600 digital Visa gift card. Ends 30 Nov 2026. T&Cs apply. Intro offer: Get 6 weeks free, plus 2 and 6 month waiting periods waived on Extras. For new members who join combined Hospital and Extras cover by 30 Nov 2026. T&Cs apply.	Go to Site View details Compare product selectionCompare	loading
ING Health Insurance - ING Basic Plus Hospital $750 Excess + ING Everyday Extras Basic$750 excess	Hospital Rehabilitation Joint reconstructions Dental surgery Hernia and appendix +5 other treatments covered Extras General dental Major dental Optical Hearing aids +6 other treatments covered	$36.53 per week	$600 Reward Finder Rewards: Join Finder then purchase an eligible insurance policy online through Finder as a new ING health customer and hold until 31 March 2027 to receive a $600 digital Visa gift card. Ends 30 Nov 2026. T&Cs apply. Intro offer: Get 6 weeks free, plus 2 and 6 month waiting periods waived on Extras. For new members who join combined Hospital and Extras cover by 30 Nov 2026. T&Cs apply.	Go to Site View details Compare product selectionCompare	loading
ING Health Insurance - ING Bronze Plus Hospital $750 Excess + ING Everyday Extras Bronze$750 excess	Hospital Joint reconstructions Ear nose and throat Blood Back neck and spine +18 other treatments covered Extras General dental Major dental Optical Hearing aids +5 other treatments covered	$40.57 per week	$600 Reward Finder Rewards: Join Finder then purchase an eligible insurance policy online through Finder as a new ING health customer and hold until 31 March 2027 to receive a $600 digital Visa gift card. Ends 30 Nov 2026. T&Cs apply. Intro offer: Get 6 weeks free, plus 2 and 6 month waiting periods waived on Extras. For new members who join combined Hospital and Extras cover by 30 Nov 2026. T&Cs apply.	Go to Site View details Compare product selectionCompare	loading
ING Health Insurance - ING Silver Hospital $750 Excess + ING Essential Extras Silver$750 excess	Hospital Lung and chest Back neck and spine Cataracts Joint replacements +25 other treatments covered Extras General dental Major dental Optical Hearing aids +4 other treatments covered	$41.47 per week	$600 Reward Finder Rewards: Join Finder then purchase an eligible insurance policy online through Finder as a new ING health customer and hold until 31 March 2027 to receive a $600 digital Visa gift card. Ends 30 Nov 2026. T&Cs apply. Intro offer: Get 6 weeks free, plus 2 and 6 month waiting periods waived on Extras. For new members who join combined Hospital and Extras cover by 30 Nov 2026. T&Cs apply.	Go to Site View details Compare product selectionCompare	loading
ING Health Insurance - ING Basic Plus Hospital $750 Excess + ING Everyday Advanced Extras Basic$750 excess	Hospital Rehabilitation Joint reconstructions Dental surgery Hernia and appendix +5 other treatments covered Extras General dental Major dental Optical Hearing aids +9 other treatments covered	$41.83 per week	$600 Reward Finder Rewards: Join Finder then purchase an eligible insurance policy online through Finder as a new ING health customer and hold until 31 March 2027 to receive a $600 digital Visa gift card. Ends 30 Nov 2026. T&Cs apply. Intro offer: Get 6 weeks free, plus 2 and 6 month waiting periods waived on Extras. For new members who join combined Hospital and Extras cover by 30 Nov 2026. T&Cs apply.	Go to Site View details Compare product selectionCompare	loading
ING Health Insurance - ING Bronze Plus Hospital $750 Excess + ING Everyday Advanced Extras Bronze$750 excess	Hospital Joint reconstructions Ear nose and throat Blood Back neck and spine +18 other treatments covered Extras General dental Major dental Optical Hearing aids +9 other treatments covered	$45.88 per week	$600 Reward Finder Rewards: Join Finder then purchase an eligible insurance policy online through Finder as a new ING health customer and hold until 31 March 2027 to receive a $600 digital Visa gift card. Ends 30 Nov 2026. T&Cs apply. Intro offer: Get 6 weeks free, plus 2 and 6 month waiting periods waived on Extras. For new members who join combined Hospital and Extras cover by 30 Nov 2026. T&Cs apply.	Go to Site View details Compare product selectionCompare	loading
ING Health Insurance - ING Silver Hospital $750 Excess + ING Everyday Extras Silver$750 excess	Hospital Lung and chest Back neck and spine Cataracts Joint replacements +25 other treatments covered Extras General dental Major dental Optical Hearing aids +6 other treatments covered	$46.83 per week	$600 Reward Finder Rewards: Join Finder then purchase an eligible insurance policy online through Finder as a new ING health customer and hold until 31 March 2027 to receive a $600 digital Visa gift card. Ends 30 Nov 2026. T&Cs apply. Intro offer: Get 6 weeks free, plus 2 and 6 month waiting periods waived on Extras. For new members who join combined Hospital and Extras cover by 30 Nov 2026. T&Cs apply.	Go to Site View details Compare product selectionCompare	loading
ING Health Insurance - ING Silver Hospital $750 Excess + ING Everyday Advanced Extras Silver$750 excess	Hospital Lung and chest Back neck and spine Cataracts Joint replacements +25 other treatments covered Extras General dental Major dental Optical Hearing aids +9 other treatments covered	$52.14 per week	$600 Reward Finder Rewards: Join Finder then purchase an eligible insurance policy online through Finder as a new ING health customer and hold until 31 March 2027 to receive a $600 digital Visa gift card. Ends 30 Nov 2026. T&Cs apply. Intro offer: Get 6 weeks free, plus 2 and 6 month waiting periods waived on Extras. For new members who join combined Hospital and Extras cover by 30 Nov 2026. T&Cs apply.	Go to Site View details Compare product selectionCompare	loading
ING Health Insurance - ING Basic Plus Hospital $750 Excess + ING Premium Extras Basic$750 excess	Hospital Rehabilitation Joint reconstructions Dental surgery Hernia and appendix +5 other treatments covered Extras General dental Major dental Optical Hearing aids +10 other treatments covered	$53.60 per week	$600 Reward Finder Rewards: Join Finder then purchase an eligible insurance policy online through Finder as a new ING health customer and hold until 31 March 2027 to receive a $600 digital Visa gift card. Ends 30 Nov 2026. T&Cs apply. Intro offer: Get 6 weeks free, plus 2 and 6 month waiting periods waived on Extras. For new members who join combined Hospital and Extras cover by 30 Nov 2026. T&Cs apply.	Go to Site View details Compare product selectionCompare	loading

Showing 10 of 20 results

5 of 5 results

Treatments	Price
ING Health Insurance - ING Basic Plus Hospital $750 Excess Basic$750 excess	Rehabilitation Joint reconstructions Dental surgery Hernia and appendix Eye excluding cataracts Pain management Gynaecology Lung and chest +4 other treatments covered	$21.88 per week	$300 Reward Finder Rewards: Join Finder then purchase an eligible insurance policy online through Finder as a new ING health customer and hold until 31 March 2027 to receive a $300 digital Visa gift card. Ends 30 Nov 2026. T&Cs apply.	Go to Site View details Compare product selectionCompare	loading
ING Health Insurance - ING Bronze Plus Hospital $750 Excess Bronze$750 excess	Joint reconstructions Ear nose and throat Blood Back neck and spine Dental surgery Eye excluding cataracts Cancer Lung and chest +14 other treatments covered	$25.93 per week	$300 Reward Finder Rewards: Join Finder then purchase an eligible insurance policy online through Finder as a new ING health customer and hold until 31 March 2027 to receive a $300 digital Visa gift card. Ends 30 Nov 2026. T&Cs apply.	Go to Site View details Compare product selectionCompare	loading
ING Health Insurance - ING Silver Hospital $750 Excess Silver$750 excess	Lung and chest Back neck and spine Cataracts Joint replacements Blood Dental surgery Palliative care Pregnancy and birth +23 other treatments covered	$32.19 per week	$300 Reward Finder Rewards: Join Finder then purchase an eligible insurance policy online through Finder as a new ING health customer and hold until 31 March 2027 to receive a $300 digital Visa gift card. Ends 30 Nov 2026. T&Cs apply.	Go to Site View details Compare product selectionCompare	loading
ING Health Insurance - ING Silver Plus Hospital $750 Excess Silver$750 excess	Lung and chest Back neck and spine Cataracts Joint replacements Blood Dental surgery Palliative care Pregnancy and birth +24 other treatments covered	$45.14 per week	$300 Reward Finder Rewards: Join Finder then purchase an eligible insurance policy online through Finder as a new ING health customer and hold until 31 March 2027 to receive a $300 digital Visa gift card. Ends 30 Nov 2026. T&Cs apply.	Go to Site View details Compare product selectionCompare	loading
ING Health Insurance - ING Gold Hospital $750 Excess Gold$750 excess	Cataracts Joint replacements Palliative care Pregnancy and birth Sleep studies Weight loss surgery Rehabilitation Insulin pumps +30 other treatments covered	$81.27 per week	$300 Reward Finder Rewards: Join Finder then purchase an eligible insurance policy online through Finder as a new ING health customer and hold until 31 March 2027 to receive a $300 digital Visa gift card. Ends 30 Nov 2026. T&Cs apply.	Go to Site View details Compare product selectionCompare	loading

Showing 5 of 5 results

4 of 4 results

Treatments	Price
ING Health Insurance - ING Essential Extras Extras cover	General dental Major dental Optical Physiotherapy Chiropractic Psychology Remedial massage Hearing aids +1 other treatments covered	$9.28 per week	Go to Site View details Compare product selectionCompare	loading
ING Health Insurance - ING Everyday Extras Extras cover	General dental Major dental Optical Physiotherapy Chiropractic Psychology Remedial massage Hearing aids +2 other treatments covered	$14.64 per week	Go to Site View details Compare product selectionCompare	loading
ING Health Insurance - ING Everyday Advanced Extras Extras cover	General dental Major dental Optical Physiotherapy Chiropractic Psychology Remedial massage Hearing aids +5 other treatments covered	$19.95 per week	Go to Site View details Compare product selectionCompare	loading
ING Health Insurance - ING Premium Extras Extras cover	General dental Major dental Optical Physiotherapy Chiropractic Psychology Remedial massage Hearing aids +6 other treatments covered	$31.71 per week	Go to Site View details Compare product selectionCompare	loading

Showing 4 of 4 results

1 of 1 result

Name
Get 6 weeks free Ends 30 November 2026 Plus 2 and 6 month waiting periods waived on Extras. For new members who join combined Hospital and Extras cover by 30 Nov 2026. T&Cs apply. Get deal		loading Fetching your data...

Showing 1 of 1 result

How to make a claim

For extras claims, the easiest option is to claim on the spot at your provider. Swipe your ING Health Insurance card at any provider with a HICAPS terminal and you'll only pay the gap. If your provider doesn't have HICAPS, or you forget your card, keep the official receipt and upload a scan or photo of it through ING's online member services. Using a FirstChoice provider can cut the gap you pay on services like dental, physio and optical.

For hospital claims, most of the work is usually done for you. If you're treated at a hospital nib has an agreement with, the hospital bills nib directly. If your specialist takes part in the MediGap scheme, their fees are covered too, so there's no gap for you to pay beyond any excess on your policy.

Frequently asked questions

Many extras providers offer on-the-spot claiming. You'll be able to swipe your ING Health Insurance card to cover the benefit ING pays and then pay any difference. If you forget your card or on-the-spot claiming is not available, keep a copy of the official provider receipt so you can upload a scanned copy or photo of it to ING's online member services.

Compare other products from ING

Finder writers are subject matter experts and use primary sources, in-depth research and interviews with other experts to ensure you're getting accurate, up-to-date information. Articles are fact checked in line with our editorial guidelines.
1. ING Health Insurance information page
2. ING Health Insurance information PDF

Thank you for your feedback!

To make sure you get accurate and helpful information, this guide has been edited by Joselle Delos Reyes as part of our fact-checking process.

Written by

Tim Bennett

Insurance expert

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A seasoned journalist with over 10 years of experience in news, politics and finance reporting, Tim has previously held roles at the ABC, SBS and Fairfax Media. Tim’s expert insights have been quoted in The Australian, The Daily Telegraph, The Courier Mail and more. He regularly appears on TV and radio, and has been interviewed on 7 News, Sunrise, SBS News, ABC Local, 3AW and 5AA. Tim is passionate about simplifying complex insurance topics for Australian consumers. He holds a Bachelor of Arts (Politics) from Macquarie University and a Tier 1 General Insurance (General Advice) certification, which meets the requirements of ASIC Regulatory Guide 146 (RG146). If you’re interested in a media interview with Tim, please reach out to our PR team at aupr@finder.com. See full bio

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ING health insurance review

With 5 hospital plans to choose from, ING likely has something for your needs.