nib Health Insurance Deal
Finder makes money from featured partners, but editorial opinions are our own.

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


  • 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.


  • 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.

Why compare health insurance with Finder?

  • We don't ask for your phone or email to see prices.

  • With 1 click, you can open your results to nearly every fund in Australia.

  • You pay the same price as going direct – we charge no fees.

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.

Why you can trust Finder's health insurance experts


We're free

Our health insurance engine is completely free to use. You pay the same as buying directly from the health insurer. Better still, we regularly run exclusive deals that you won't find on any other site.
expert advice

We're experts

We've researched and rated hundreds of policies as part of our Finder Awards. We've published 250+ guides and our in-house experts regularly appear on Sunrise, 7News and SBS News.

We're independent

Unlike other comparison sites, we're not owned by an insurer. That means our opinions are our own and you can compare nearly every health fund in Australia on the site (and find a better deal).

We're here to help

Since 2014, we've helped 350,000+ people find health insurance by explaining your options simply. We'll never ask for your number or email to see prices. We're here to help you make a decision.

nib frequently asked questions

More guides on Finder

Go to site