nib Health Insurance

nib is one of Australia's largest health insurers, protecting more than 1 million Aussies.

nib Health Insurance Deal

nib has been around since 1952 and has built itself into the 4th largest health insurer in Australia. Unlike some other insurers, nib hasn't branched out into many other areas of insurance and instead sticks to only health and life insurance.

Top 3 features
  1. Good for people who want a little bit more cover than what is usually at the standard Basic, Bronze and Silver hospital tiers.
  2. Good for people who like perks, like a wide network of member hospitals.
  3. Beware if you want a very basic extras policy - the lowest level from nib starts with more coverage than some other providers.

Sign up deals for October 2019 with nib

nib Health Insurance Deal nib Health Insurance Deal

Get up to $300 off your health insurance.

Offer available to new customers signing up for Hospital + Extras

Last verified

Get deal

Deal ends

Compare health insurance options from nib

Who is nib?

nib is a private Australia-based insurer providing health insurance to more than 1 million Australians. As of 2018, it was the 4th largest health insurer in Australia by market share.

nib's network of 200 member hospitals (including day hospitals) is among the largest in Australia. By visiting one of these hospitals, members can save money on out-of-pocket expenses usually associated with private care.

You can save even more with nibs MediGap specialists program. If you're treated by one of nib's networked specialists who have agreed to bill nib directly, meaning you won't pay a thing for their in-hospital services.

Nib also offers an accidental injury benefit that temporarily increases your cover to nib's highest level of cover for the next 90 days following an accident, giving you full cover if you're readmitted during that time.

What health insurance options are available?

All of NIBs policies fit within the Austrlian government's tier structure with one at each tier and two at bronze. All of nib's policies except Gold are "plus" policies meaning they offer more than the minimum requirements set out by the government for each tier. Gold is as high as you can get, so there's no need for a "plus" version of that.

All policies offer the minimum restricted cover for rehabilitation, psychology and palliative care as mandated by the Australian government's 2019 health insurance reforms.

Basic Essentials Hospital Plus

nib's Basic Essentials Hospital goes beyond the government's minimum requirement for a Basic policy by offering full cover for 7 other clinical categories including:

  • Tonsils, adenoids and grommets
  • Bone, Joint and muscle
  • Gynaecology
  • Pain Management

It goes above and beyond that by offering , hernia and appendix, gastrointestinal endoscopy, gynaecology, miscarraige and termination of pregnancy and dental surgery.

You can choose an excess of $250, $500 or $750.

Silver Advantage Hospital Plus

The Silver Advantage Hospital Plus covers everything the Bronze policies cover plus additional clinical categories required by the government including:

  • Back, neck and spine
  • Plastic and reconstructive surgery (medically necessary)
  • Lung and chest

It goes beyond the requirements by covering several additional clinical categories not required by the government including:

  • Kidney dialysis
  • Sleep studies
Gold Top Hospital

The Gold Top Hospital policy offers full covers for all 38 clinical categories as mandated by the Australian government for all Gold policies. Some additional cover not found on the Silver Advantage Hospital Plus policy include:

  • Pregnancy and birth
  • Assisted reproductive services (like IVF)
  • Weight loss surgery
BenefitBasic Essential Hospital PlusSilver Advantage Hospital PlusGold Top Hospital
Emergency Ambulance Cover
  • Yes
  • Yes
  • Yes
Accidental injury benefit
  • Yes
  • Yes
  • Yes
Dental surgery
  • Yes
  • Yes
  • Yes
Gastrointestinal endoscopy
  • Yes
  • Yes
  • Yes
Gynaecology
  • Yes
  • Yes
  • Yes
Hernia and appendix
  • Yes
  • Yes
  • Yes
Joint reconstructions
  • Yes
  • Yes
  • Yes
Miscarriage and termination of pregnancy
  • Yes
  • Yes
  • Yes
Tonsils, adenoids and grommets
  • Yes
  • Yes
  • Yes
Blood
  • No
  • Yes
  • Yes
Bone, joint and muscle
  • No
  • Yes
  • Yes
Brain and nervous system
  • No
  • Yes
  • Yes
Breast surgery (medically necessary)
  • No
  • Yes
  • Yes
Chemotherapy, radiotherapy and immunotherapy for cancer
  • No
  • Yes
  • Yes
Common treatments list
  • No
  • Yes
  • Yes
Diabetes management (excluding insulin pumps)
  • No
  • Yes
  • Yes
Digestive system
  • No
  • Yes
  • Yes
Ear, nose and throat
  • No
  • Yes
  • Yes
Eye (not cataracts)
  • No
  • Yes
  • Yes
Insulin pumps
  • No
  • Yes
  • Yes
Kidney and bladder
  • No
  • Yes
  • Yes
Lung and chest
  • No
  • Yes
  • Yes
Male reproductive system
  • No
  • Yes
  • Yes
Pain management
  • No
  • Yes
  • Yes
Pain management with device
  • No
  • Yes
  • Yes
Plastic and reconstructive surgery (medically necessary)
  • No
  • Yes
  • Yes
Skin
  • No
  • Yes
  • Yes
Sleep studies
  • No
  • Yes
  • Yes
Support treatments list
  • No
  • Yes
  • Yes
Heart and vascular system
  • No
  • Yes
  • Yes
Implantation of hearing devices
  • No
  • Yes
  • Yes
Palliative care
  • Minimum Benefits Payable
  • Yes
  • Yes
Rehabilitation
  • Minimum Benefits Payable
  • Yes
  • Yes
Back, neck and spine
  • No
  • Yes
  • Yes
Cataracts
  • No
  • Yes
  • Yes
Dialysis for chronic kidney failure
  • No
  • Yes
  • Yes
Joint replacements
  • No
  • Yes
  • Yes
Assisted reproductive services
  • No
  • No
  • Yes
Hospital psychiatric services
  • Minimum Benefits Payable
  • Minimum Benefits Payable
  • Yes
Pregnancy and birth
  • No
  • No
  • Yes
Weight loss surgery
  • No
  • No
  • Yes
Cosmetic surgery
  • No
  • No
  • No
Podiatric surgery (provided by a registered podiatric surgeon)
  • No
  • Yes
  • Yes
Services not covered by Medicare
  • No
  • No
  • No

nib hasn't brought their extras policies in line with the new tier system (they have until April 2020 to do so). Here is what they currently offer:

nib also offers four levels of Extras cover; Core Extras, Core Extras Plus, Core & Wellbeing and Top Extras. Each offers a range of treatments from optical to podiatry. nib also have great dental coverage with all four options including unlimited preventative dental:

BenefitCore ExtrasCore Extras BoostCore and Wellbeing ExtrasTop Extras
Ambulance
  • No annual limit
  • No annual limit
  • No annual limit
  • No annual limit
Unlimited preventative dental
  • No annual limit
  • No annual limit
  • No annual limit
  • No annual limit
General dental
  • $600
  • $700
  • $600
  • $1,000
Major dental
  • $600
  • $1,000
  • $600
  • $1,300
Optical
  • $250
  • $300
  • $250
  • $350
Physiotherapy
  • $350
  • $450
  • $350
  • $600
Natural Therapies
  • No cover
  • No cover
  • $300
  • $400
Healthier Lifestyle
  • No cover
  • No cover
  • $150
  • $200
Chiropractic / Osteopathy
  • No cover
  • No cover
  • $300
  • $500
Dietary advice
  • No cover
  • No cover
  • $300
  • $600
Remedial massage
  • No cover
  • No cover
  • $150
  • $200
Preventative tests
  • No cover
  • No cover
  • $100
  • $200
Psychology
  • No cover
  • No cover
  • $300
  • $500
Antenatal & postnatal services
  • No cover
  • No cover
  • No cover
  • $250
Exercise physiology
  • No cover
  • No cover
  • No cover
  • $300
Eye therapy (also known as orthoptics)
  • No cover
  • No cover
  • No cover
  • $200
Hearing aids / Speech processors
  • No cover
  • No cover
  • No cover
  • $1,200
Home nursing services
  • No cover
  • No cover
  • No cover
  • $200
Occupational therapy
  • No cover
  • No cover
  • No cover
  • $450
Orthodontia
  • No cover
  • No cover
  • No cover
  • $800
Pharmaceutical prescriptions
  • No cover
  • No cover
  • No cover
  • $500
Podiatry / Orthotics
  • No cover
  • No cover
  • No cover
  • $400
Speech pathology (speech therapy)
  • No cover
  • No cover
  • No cover
  • $450
Top health aids
  • No cover
  • No cover
  • No cover
  • $500
Wellbeing health aids
  • No cover
  • No cover
  • $250
  • No cover

Young people discount

nib offers an age based discount to customers between the ages of 18-29. The amount of discount you receive depends on what age you were on the Discount Assessment Date, which is 1 April 2019 or the date you first took out a policy with nib after 1 April 2019.

You'll keep your discount until age 40 at which point it decreases by 2% per year.

Here's what your discount will be based on the age you were on your Discount Assessment date:

  • 18-25: 10% discount
  • 26: 8% discount
  • 27: 6% discount
  • 28: 4% discount
  • 29: 2% discount

How to make a claim

There are several options to choose from when you need to make an extras claim with nib:

  • Swipe your nib card. All you have to do is swipe your nib card when you visit your service provider to claim on the spot.
  • Claim online. You can use nib Online Claiming 24/7 and claim for extras services by uploading a photo of your receipt. Benefits will be paid into your account within five working days.
  • Claim via the nib app. There are iPhone, iPad and Android apps available so you can claim on the go.
  • Visit an nib retail centre. You can visit your nearest nib retail centre to lodge a claim in person.
  • Claim by mail. Download and complete an nib claim form, then mail it and your original receipts to nib health funds, Locked Bag 2010, Newcastle NSW 2300.

Overseas visitors or Students

nib offers separate health insurance options for overseas students and working visitors.

The overseas student health cover (OSHC) consists of only one product called nib OSHC. There are two choices of overseas visitor health cover (OVHC) called Budget and Basic.

All three of these offer the following:

  • They meet the Department of Immigration and Citizenship (DIAC) visa requirements.
  • They have no excess.
  • They cover emergency ambulance rides.
  • They cover 100% of the Medicare benefits schedule fee for every covered treatment.

The OSHC policy and the OVHC Basic policy bother cover GP visits and prescriptions. The OVHC Budget policy does not.

Was this content helpful to you? No  Yes

You might like these...

Ask an Expert

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.

16 Responses

  1. Default Gravatar
    LesleyNovember 15, 2018

    Hi, I would like to get a quote for visitor Visa 600, 6 months stay for 70 year old from South Africa, needing ambulance, hospital cover.

    • Avatarfinder Customer Care
      JhezNovember 16, 2018Staff

      Hello Lesley,

      Thank you for your comment.

      If you’d like get a quote from nib Health Insurance, you may visit their website directly to get a quote.

      Alternatively, we have listed the health insurers for visitors with visa 600 on this page. Please compare them as most of them have ambulance and hospital covers.

      Should you wish to have real-time answers to your questions, try our chat box on the lower right corner of our page.

      Regards,
      Jhezelyn

  2. Default Gravatar
    RobOctober 31, 2017

    Hi, looking for a health insurance for my mother
    on a retirement visa subclass 410.
    Need full hospital cover ….age 86 female.

    Thanks
    rob

    • Avatarfinder Customer Care
      HaroldOctober 31, 2017Staff

      Hi Rob,

      Thank you for your inquiry.

      You may want to consider to check the available options here.

      I hope this information has helped.

      Cheers,
      Harold

  3. Default Gravatar
    ManfredOctober 3, 2017

    Can you please a comparison quote for our current cover with Bupa -Top Hospital Cover Family $250 excess and Premier Extra – Family. We are couple 71 + 68 and now don’t need Family cover.

    • Default Gravatar
      ArnoldOctober 3, 2017

      Hi Manfred,

      Thanks for your inquiry

      You may Compare Health Insurance Policies on this page. You can personalize your search by using the search application on the page.

      This page about Health Insurance and Going to Hospital might also help you in narrowing your search.

      Hope this information helps

      Cheers,
      Arnold

  4. Default Gravatar
    MargJuly 2, 2017

    I have already had a partial mastectomy for invasive cancer and now need further surgery for a recurrence cancer. Does top Nib hospital and extras cover include cover for therapeutic mammography of my second breast so both breasts are the same size?

    • Avatarfinder Customer Care
      JhezJuly 2, 2017Staff

      Hi Marg,

      Thanks for your comment.

      You have contacted finder.com.au, a comparison and information service. You would be well advised to get in touch with NIB health insurance directly to discuss if the therapeutic mammography is covered by their policy.

      Regards,
      Jhezelyn

  5. Default Gravatar
    AdamApril 7, 2017

    I am travelling to Bangkok for Breast Augmentation Surgery, do you have a policy that would cover that?

    • Default Gravatar
      LynJune 19, 2017

      I have been in NIB for 16 years and have gold cover. I wish to have bariatric surgery and was told it is not covered. Can I move to top hospital cover only? If so would I be covered for this surgery then? How much per month for a couple?

    • Default Gravatar
      JonathanJune 20, 2017

      Hi Lyn!

      Thanks for the comment.

      You can contact NIB directly to confirm if changing covers will give you more benefits as well as for the premium computation.

      Hope this helps.

      Cheers,
      Jonathan

    • Avatarfinder Customer Care
      ZubairApril 11, 2017Staff

      Hi Adam,

      Thank you for your question.

      You have contacted finder.com.au, a comparison and information service and not actually nib health fund.

      nib health insurance does not provide cover while overseas. You may find our medical tourism insurance guide helpful.

      All the best,
      Zubair

  6. Default Gravatar
    beverleyFebruary 20, 2017

    What is fort nightly premium for me I am 78 and have never had private health cover?

    I’m after basic hospital n dentures thanks.

    • Avatarfinder Customer Care
      ZubairFebruary 21, 2017Staff

      Hi Beverley,

      Thank you for your question.

      Unfortunately, finder.com.au does not provide a fortnightly quote for health insurance. Through our health insurance quote engine, you can get an estimate of monthly premium for NIB Health Fund.

      Cheers,
      Zubair

  7. Default Gravatar
    SueSeptember 28, 2016

    I have a couples plus policy can you please tell me what hospital cover that is as this site has basic, standard, advantage and top. The hospital cover described on your info sheet is very general and contains no details. Also why am i paying for labour ward when it is not relevant to my situation. Thank you.

    • Avatarfinder Customer Care
      RichardSeptember 28, 2016Staff

      Hi Sue,

      Thanks for getting in touch. finder.com.au is a comparison service and not nib. To discuss your policy, you will need to get in contact with nib directly to discuss your policy details. You can do this by calling 13 16 42 or heading to the nib contact us page.

      All the best,
      Richard

Ask a question
Go to site