nib health insurance review

nib has a good range of policies with various benefit offerings, but its pricing is generally higher than some of its main competitors.

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

Our verdict

Pros

  • Basic Essential Hospital Plus is good value, covering 9 treatments from around $88 a month.
  • nib's accidental injury benefit gives you access to Gold Hospital cover for 90 days after the accident – not many funds offer this.
  • Get up to $800 off when you choose a Hospital + Extras cover online by 30 June.

Cons

  • nib has a sub-standard complaints record, receiving more than its fair share of complaints.
  • nib's most popular extras cover - Core Extras - doesn't include any psychology benefits.
  • nib's Bronze, Silver and Gold hospital policies are more expensive than comparable policies from other funds like Medibank and Bupa.

What types of health insurance does nib offer?

nib offers a range of health insurance policies. Keep in mind, comparing a few different policies can help you find the best health insurance for your needs.

Name Product AUFHI-NEW Treatments Price Apply Hide Compare
nib Health Funds Ltd. logo
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
  • Eye excluding cataracts
  • Pain management
  • Gynaecology
  • Lung and chest
$85.82
per month
All treatments
nib Health Funds Ltd. logo
  • 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
All treatments
nib Health Funds Ltd. logo
  • 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
All treatments
Silver Hospital
Silver$750 excess
nib Health Funds Ltd. logo
  • 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
All treatments
nib Health Funds Ltd. logo
  • 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
All treatments
nib Health Funds Ltd. logo
  • Cataracts
  • Joint replacements
  • Palliative care
  • Pregnancy and birth
  • Sleep studies
  • Weight loss surgery
  • Rehabilitation
  • Insulin pumps
  • +30 other treatments covered
$266.15
per month
All treatments
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1 - 10 of 21
Name Product AUFHI-NEW Treatments Price Apply Hide Compare
Ambulance Only
Extras cover
nib Health Funds Ltd. logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
$3.69
per month
All treatments
Value Extras
Extras cover
nib Health Funds Ltd. logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
$15.11
per month
All treatments
Basic Extras
Extras cover
nib Health Funds Ltd. logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
$24.26
per month
All treatments
Core Extras
Extras cover
nib Health Funds Ltd. logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
  • +1 other treatments covered
$37.06
per month
All treatments
Dental Boost
Extras cover
nib Health Funds Ltd. logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
  • +3 other treatments covered
$42.30
per month
All treatments
nib Health Funds Ltd. logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
  • +3 other treatments covered
$49.68
per month
All treatments
Core Extras Boost
Extras cover
nib Health Funds Ltd. logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
  • +1 other treatments covered
$55.03
per month
All treatments
nib Health Funds Ltd. logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
  • +3 other treatments covered
$58.20
per month
All treatments
nib Health Funds Ltd. logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
  • +2 other treatments covered
$58.33
per month
All treatments
nib Health Funds Ltd. logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
  • +3 other treatments covered
$66.02
per month
All treatments
loading
Name Product AUFHI-NEW Treatments Price Apply Hide Compare
nib Health Funds Ltd. logo
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
All treatments
loading

What do Australians think of nib health insurance?

  • 4.04/5 overall for Customer Satisfaction — lower than the average of 4.13
  • 4.24/5 for Trust — lower than the average of 4.46
  • 4.16/5 for Customer Service — lower than the average of 4.17

Based on nib health insurance scores in Finder's 2024 Customer Satisfaction Awards.

How to make a claim

For extras benefits, you can claim by swiping your nib card at your service provider, or by using your digital nib card. (This will only work if the provider had a HICAPS machine though).

Alternatively, you can claim through the nib app or online. Just make sure to keep your receipt.

For hospital benefits, you might not receive a bill. But, if you do, there are a couple of options:

  1. Complete a Medicare two-way claim form and a Medicare claim form, attach the specialist invoice indicating whether it is paid or unpaid, and submit the claim to Medicare. Medicare will pay 75% of the Medicare Benefit Schedule fee and progress the claim to nib, who will then pay 25% of the MBS fee. Any remaining costs will then need to be paid by you.
  2. If you've already submitted your medical claims to Medicare, complete a nib claim form with a Medicare Statement of Benefits and any receipts or invoices as a claim in your member account.

If you need help with the process, you can call nib on 1800 098 783.

(OSHC and OVHC members should send all bills directly to nib).

Complaints info

nib had a sub-standard complaints record according to data from the 2023 State of the Health Funds Report. nib had a market share of 9.6% but accounted for 10.1% of complaints received by the Commonwealth Ombudsman.

FAQs

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Senior writer

Nicola Middlemiss is a contributing writer at Finder, with a special interest in personal finance and insurance. Formerly a business and finance journalist, Nicola has written thousands of articles helping Australians better understand insurance and grow their personal wealth. She has contributed to a wide range of publications, including Domain, the Educator, Financy, Fundraising and Philanthropy, Insurance Business, MoneyMag, Mortgage Professional, Yahoo Finance, Your Investment Property, and Wealth Professional. Nicola has a Tier 1 General Insurance (General Advice) certification and a Bachelor's degree from the University of Leeds. See full bio

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