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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.

Well done, NIB

nib's Basic Essential Hospital Plus policy came in third place for our Basic category in the 2023 Finder Awards. It costs around $18 per week and covers treatments including tonsils, adenoids and grommets, hernia and appendix and miscarriage and termination of pregnancy.

Full list of 2023 winners

Good value nib policies

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

Top Pick for

Bronze Hospital

nib Bronze Hospital Plus image


From $97.33 per month*

24 hospital services | all Basic treatments | diabetes | lung and chest | podiatric

More info

Top Pick for

Silver Hospital

nib Silver Hospital image


From $124.69 per month*

30 hospital services | all Bronze treatments | heart and vascular | palliative care

More info

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.

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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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