Nurses & Midwives Health is the only health fund exclusively serving the Australian nursing and midwifery community. It offers a suite of hospital and extras covers that can be selected individually or combined into a package to provide cover that suits your unique needs.
It's an arm of Teachers Health which, along with UniHealth, makes Nurses & Midwives part of the largest restricted health cover provider in Australia. Also, this particular block has the highest member retention of any other health fund, so members are sticking around for something.
Pros
A competitive option for families who want access to pregnancy and childhood support services.
Good for people with health issues who want access to healthy lifestyle programs to help them get back on track.
The highest member retention of any health fund (along with Teachers and UniHealth).
Basic Hospital (Basic Plus). This goes beyond the government's minimum requirement for Basic cover by not only offering restricted cover for psychiatry, rehabilitation and palliative care but also offering full cover for dental surgery, joint reconstructions and hernia/appendix, and ambulance rides (including non-emergency). It also offers restricted cover for most other clinical categories except insulin pumps.
Mid Hospital (Basic Plus). This policy covers a wide range of services and has no exclusions. Instead, it provides restricted cover for 11 clinical categories like pregnancy, joint replacements and kidney dialysis. It also covers emergency and non-emergency ambulance rides.
Mid Silver Plus. This provides cover for all services required for a silver rating, plus excludes pregnancy and joint replacements, so saves money for those who don't want cover for these services.
Top Silver Plus. This product gives you comprehensive cover with only one restriction: hospital psychiatric services. It includes cover for services including pregnancy, heart procedures, and hip or knee joint replacements.
Gold Hospital. This offers full cover for all 38 clinical categories required for a Gold policy including pregnancy, insulin pumps, in-hospital psychiatry, heart issues and more. It also covers emergency and non-emergency ambulance rides.
Combined
StarterPak (Basic Plus) This pre-made package covers both hospital and extras. It's designed for the young and active so comes with a fairly basic level of cover. You'll find cover for common surgeries such as ACL surgery in here as well as benefits for dental.
Extras coverage
Extras
Essential Extras. Essential Extras Cover is designed to offer an affordable level of cover for common, everyday services not covered by Medicare. These include general and major dental, optical, acupuncture, remedial massage, chiro, osteo, physio, and non-PBS pharmaceuticals. Emergency ambulance cover is also included, as are Healthy Lifestyle benefits for expenses like gym memberships and health screening services.
Top Extras. Top Extras cover from Nurses & Midwives Health provides generous benefit limits for a wide range of general treatments, including general and major dental, orthodontics, optical, acupuncture, myotherapy, chiro, osteo, physio, speech therapy, podiatry, non-PBS pharmaceuticals, medical appliances and hearing aids. Emergency ambulance cover is also included, as are Healthy Lifestyle benefits for expenses like gym memberships and health screening services.
Transport from the scene of an accident or medical event to a hospital
Treatment at the scene by a qualified ambulance officer
Air ambulance services
Australia-wide coverage
What's not covered
Inter-hospital transfers
Transfers from a medical facility to a hospital and vice versa
Transport from the hospital to home
Transport to a hospital for routine management of an ongoing illness
Nurses & Midwives frequently asked questions
Membership of Nurses & Midwives Health is open to Australian nurses, midwives and their families. To be eligible for membership you will need to be, or have been in the past, any of the following:
A registered nurse
A registered midwife
An enrolled nurse
A nurse practitioner
A psychiatric nurse
A mothercraft nurse
An assistant in nursing
An assistant in midwifery
A nursing student undergoing training, a student nurse or a trainee enrolled nurse
An employee whose job is to provide nursing care or services, or to assist in the provision of nursing care or services
You will also need to be a current or former member of a state or territory based nursing/midwifery union approved by the fund.
If you meet the above criteria, membership of Nurses & Midwives Health is also open to your family members, including your spouse, children, siblings, parents and grandchildren.
Members can then choose from a range of hospital and extras cover options, which can be combined together or purchased as standalone cover.
If you need to make a hospital claim, the process differs depending on whether or not your doctor participates in Nurses & Midwives' Access Gap Cover Scheme. If the doctor does participate, they'll send your bill to Nurses & Midwives for payment. If your doctor is not part of the scheme, you'll need to take the bill to Medicare, who will process the claim. Then you'll send your bill to Nurses & Midwives who will pay their share.
There are several ways to make extras claims:
On the spot by swiping your membership card at the provider's HICAPS terminal (if they have one)
Via the Nurses & Midwives mobile app
By submitting a claim form via post or email.
Was this content helpful to you?
Thank you for your feedback!
To make sure you get accurate and helpful information, this guide has been edited by Tim Bennett as part of our fact-checking process.
Gary Ross Hunter was an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146). See full bio
Gary Ross's expertise
Gary Ross has written 645 Finder guides across topics including:
Get affordable cover for ambulance transport if you are not already covered under Medicare. Compare quotes from Australian funds to decide which level of protection is best for you.
How likely would you be to recommend Finder to a friend or colleague?
0
1
2
3
4
5
6
7
8
9
10
Very UnlikelyExtremely Likely
Required
Thank you for your feedback.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
Important information about this website
Finder makes money from featured partners, but editorial opinions are our own.
Finder is one of Australia's leading comparison websites. We are committed to our readers and stand by our editorial principles.
We try to take an open and transparent approach and provide a broad-based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.
Some product issuers may provide products or offer services through multiple brands, associated companies or different labeling arrangements. This can make it difficult for consumers to compare alternatives or identify the companies behind the products. However, we aim to provide information to enable consumers to understand these issues.
We make money by featuring products on our site. Compensation received from the providers featured on our site can influence which products we write about as well as where and how products appear on our page, but the order or placement of these products does not influence our assessment or opinions of them, nor is it an endorsement or recommendation for them.
Products marked as 'Top Pick', 'Promoted' or 'Advertisement' are prominently displayed either as a result of a commercial advertising arrangement or to highlight a particular product, provider or feature. Finder may receive remuneration from the Provider if you click on the related link, purchase or enquire about the product. Finder's decision to show a 'promoted' product is neither a recommendation that the product is appropriate for you nor an indication that the product is the best in its category. We encourage you to use the tools and information we provide to compare your options.
Where our site links to particular products or displays 'Go to site' buttons, we may receive a commission, referral fee or payment when you click on those buttons or apply for a product.
When products are grouped in a table or list, the order in which they are initially sorted may be influenced by a range of factors including price, fees and discounts; commercial partnerships; product features; and brand popularity. We provide tools so you can sort and filter these lists to highlight features that matter to you.
Please read our website terms of use and privacy policy for more information about our services and our approach to privacy.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
Depending on your age, you may be eligible for an
aged-based discount. This is used to estimate your
rebate.
Under 65
65 - 69
70 or older
What's your household's taxable income?
This is the combined income you and your spouse earn before tax. It's needed to calculate the correct Australian government rebate.
$93,000 and under
$93,001 to $108,000
$108,001 to $144,000
$144,001 and over
What kind of health insurance do you need?
Combined (Extras + Hospitals)
Extras
Hospital
What level of hospital coverage would you like?
You can change this at any time later.
Legend
Covered
Restricted cover, You may be partially covered for
this category.
Not covered. Optional for insurer to include.
*Prices updated March 2024, in line with Finder's
database of health insurance policies. Prices are based
on a single individual with less than $93,000 income and
living in Sydney with a $750 excess.
What extras cover do you need? (Optional)
Select as many as you want or move to the next step
Preventative & general dental
Major dental & implants
Optical
Physiotherapy
Podiatry
Non-PBS pharmaceuticals
Chiropractic
Emergency ambulance
Remedial massage
Email me my results (optional)
To get a copy of your results for later, add your email below