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nib health insurance review

Our verdict: nib has a good value Basic Essential Hospital Plus policy and some comprehensive inclusions on extras coverage. However, most of nib's hospital policies are more expensive than many of its major competitors.

3.9 ★★★★★ (122 reviews) Write a review

Pros

  • nib's accidental injury benefit gives you access to Gold Hospital cover for 90 days after the accident – not many funds offer this.
  • "Basic Essential Hospital Plus" is a good value policy, covering 9 treatments from around $83.77 a month. However, Bupa's "Basic Plus Starter Hospital" is cheaper and covers 9 services.
  • nib received slightly fewer ombudsman complaints than its market share.

Cons

  • nib's Bronze, Silver and Gold hospital policies are more expensive than comparable policies from other funds like Medibank and Bupa.
  • nib received proportionally more complaints than other big health funds including HBF, Bupa and Medibank.

Good value nib policies

These are some good value hospital policies from nib, one each from the Basic, Bronze and Silver tiers.

nib health insurance: Our verdict

Most of nib's hospital policies aren't among the cheapest on the market, although "Basic Essential Hospital Plus" offers good value. The extras policies that nib offers are more competitively priced, although it lacks a very basic extras policy.

nib is good if:

  • You want a good value Basic Plus policy that can help you avoid the LHC and MLS.
  • You want basic extras with decent dental. "Core Extras" gives you 60% back and no annual claim limit on preventative dental from around $33.44 a month.

nib is not great if:

  • You want the best value Bronze, Silver or Gold hospital policy.
  • You want a very basic extras policy.

Review by our insurance and innovations editor Gary Ross Hunter.

What types of health insurance does nib offer?

1 - 1 of 1
Name Product Treatments Price Apply Hide Compare
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
  • +4 other treatments covered
$94.56
per month
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1 - 8 of 8
Name Product Treatments Price Apply Hide Compare
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
  • Eye excluding cataracts
  • Pain management
  • Gynaecology
  • Lung and chest
$85.82
per month
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
  • Eye excluding cataracts
  • Pain management
  • Gynaecology
  • Lung and chest
  • +7 other treatments covered
$88.30
per month
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • Dental surgery
  • Eye excluding cataracts
  • Cancer
  • Lung and chest
  • +14 other treatments covered
$94.97
per month
Bronze Hospital Plus $750 Excess
Bronze Plus$750 excess
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • Dental surgery
  • Eye excluding cataracts
  • Cancer
  • Lung and chest
  • +15 other treatments covered
$98.58
per month
Silver Hospital
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
$122.71
per month
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
  • Blood
  • Dental surgery
  • Palliative care
  • Pregnancy and birth
  • +26 other treatments covered
$172.63
per month
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
  • Blood
  • Dental surgery
  • Palliative care
  • Pregnancy and birth
  • +27 other treatments covered
$179.16
per month
  • Cataracts
  • Joint replacements
  • Palliative care
  • Pregnancy and birth
  • Sleep studies
  • Weight loss surgery
  • Rehabilitation
  • Insulin pumps
  • +30 other treatments covered
$266.15
per month
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1 - 10 of 21
Name Product Treatments Price Apply Hide Compare
Ambulance Only
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
$3.69
per month
Value Extras
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
$15.11
per month
Basic Extras
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
$24.26
per month
Core Extras
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
  • +1 other treatments covered
$37.06
per month
Dental Boost
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
  • +3 other treatments covered
$42.30
per month
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
  • +3 other treatments covered
$49.68
per month
Core Extras Boost
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
  • +1 other treatments covered
$55.03
per month
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
  • +3 other treatments covered
$58.20
per month
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
  • +2 other treatments covered
$58.33
per month
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
  • +3 other treatments covered
$66.02
per month
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nib health insurance complaints

We looked at the 2022 Ombudsman health insurance complaints. Here's how nib stacked up:

  • nib received a slightly smaller percentage of total complaints (9.40%) than its market share (9.30%).
  • nib had proportionally more complaints than several other big health funds, including HBF, Bupa and Medibank.

This chart shows the weighted volume of complaints received by each health fund, according to the Commonwealth Ombudsman. The lower the number, the better. Only non-restricted funds with a national market share of at least 0.1% are included here. nib is ninth overall in this ranking. The weighting ensures that funds are compared fairly; larger funds serve more customers so can potentially get more complaints.

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