Is ING health insurance “real” health insurance? Here’s the answer
Key takeaways
- ING health insurance is issued by nib, a registered private health insurer, while ING markets it under its own brand.
- Lots of familiar brands sell health cover this way through a practice called white labelling.
- What's next: Switch to eligible ING health insurance through Finder by 30 November 2026 to get up to a $600 digital Visa gift card.
Plenty of Aussies trust ING with their savings and home loans. Fewer realise you can get health insurance with ING too.
It's actually not as random as it sounds.
Plenty of brands you already know sell health insurance through an arrangement called white labelling, from Qantas to Priceline and even Woolworths.
What is white-label health insurance and why do brands do it?
You've probably picked up a supermarket own-brand product at some point that was actually made by a well-known manufacturer, just with a different label on the box. White-label health insurance works in a similar way.
One company, like ING, puts its name on the policy and looks after the marketing. A registered health insurer, known as the issuer or underwriter, actually provides the cover, from managing your policy to paying your claims.
In ING's case, the underwriter is nib.
This tactic can be a win-win for the businesses involved.
The brand gets a new product to offer its customers without having to become a health fund and the insurer reaches people it might not otherwise.
For you, it can mean buying through a name you already know, with an established health insurer running things in the background.
How to get up to $600 with ING health insurance
If you're considering making the switch to ING health insurance, there's currently a sweet reward up for grabs.
If you switch to an eligible ING health insurance policy through Finder by 30 November 2026, you can get a $600 digital Visa gift card for combined policies or a $300 digital Visa gift card with hospital-only cover.
Customers who are new to nib may also be eligible for 6 weeks free on eligible combined cover from ING, so long as you meet the insurer's criteria.
Ask a question