ING is relatively new to the health insurance game but, in nib, its policies are underwritten by a major brand.
ING offers a comprehensive suite of hospital and extras policies with some solid features and benefits. You can choose your own provider or use one in its network for lower fees and additional discounts. You can also get Gold member treatment regardless of the tier if you have an accident.
ING health insurance: Our verdict
ING's accidental injury benefit gives you Gold Hospital cover for 90 days after an accident even if you're on a lower-tier product.
You'll get access to nib's First Choice network of providers to receive competitive fees, discounts and prescription glasses with no gap.
Outside of a small benefit for gym memberships and health programs, you may find ING lacking if you're looking for a robust lifestyle program.
ING's most affordable level of hospital cover ticks the boxes for the government's minimum requirement for a Basic policy and offers even more on top. You'll find full cover for 8 clinical categories including:
Great for: A higher level cover for those not planning on pregnancy.
The ING Gold Hospital policy covers all 38 clinical categories mandated by the Australian government for all Gold health insurance policies. Some additional cover not found on the ING Silver Plus Hospital policy include:
Essential Extras. This provides a 60% benefit on a basic range of extras including general and major dental, physiotherapy and optical.
Everyday Extras. This plan has the same benefits as Essential Extras with a higher annual limit. Additional services include natural therapies, remedial massage and health aids.
Everyday Advanced Extras. It offers the same range of benefits as Everyday Extras, with additional treatments including orthodontics and podiatry.
Premium Extras. ING's top-level extras plan provides a 75% benefit on a full range of services including pre- and post-natal service, hearing aids, eye therapy and home nursing services.
Additional benefits of cover
In addition to any benefits provided by the policy you choose, ING offers the following to its members:
Accidental injury benefit. Regardless of the tier of service you choose, you'll receive benefits in line with ING's Gold Hospital cover for 90 days after an accident.
nib Choice of provider. You can choose any provider with recognised professional qualifications for extras services such as dental or physio.
ING MediGap. Avoid out-of-pocket costs with your hospital cover by ensuring you receive treatment from a specialist who participates in its MediGap scheme.
Save even more. ING has partnered with nib to give you access to its First Choice Network. These preferred providers offer competitive fees for some dental treatments and physiotherapy consultations plus discounts and prescription glasses with no gap.
Tailored cover. You don't need to choose from a list of specific combined policies. Instead, you can mix and match ING's individual hospital and extras policies.
Ambulance coverage
All ING hospital and extras policies include emergency ambulance cover. This includes emergency transport to the hospital, call-out fees and transport between hospitals when required as a result of the first hospital not specialising in the treatment required.
This doesn't mean you're covered for all ambulance expenses. With an ING health insurance policy, you are not covered for:
Private ambulance services
Private transport services
Transport from the hospital to your home
Transport between hospitals if the transfer is not required due to medical necessity determined by your treating doctor
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Questions you've asked about ING health insurance, answered
ING Health Insurance is issued by nib health funds limited ABN 83 000 124 381 (nib).
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.
You won't have to re-serve waiting periods for the same level of cover provided there has been no break in cover of more than 60 days.
Tim Bennett is a Finder insurance expert. For over 10 years he's reported on news, politics, finance and other topics as a journalist and radio presenter. Tim's roles have included radio news reader and breakfast at the ABC, news producer for SBS and producer for Fairfax Media. Tim regularly appears as a health insurance expert on programs like Sunrise and SBS news, as well as in the Australian, The Daily Telegraph, The Courier Mail and more.
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