nib health insurance review

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.

• Full table of data

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nib frequently asked questions

• Is nib a not-for-proft health fund?

  No, nib is not a not-for-profit fund. It is a private fund with private shareholders.

• Does nib have a discount for young people?

  nib offers an age based discount to customers between the ages of 18-29. The amount of discount you receive depends on what age you were on the Discount Assessment Date, which is 1 April 2019 or the date you first took out a policy with nib after 1 April 2019. You'll keep your discount until age 40 at which point it decreases by 2% per year. Here's what your discount will be, based on the age you were on your Discount Assessment date:

  • 18-25: 10% discount
  • 26: 8% discount
  • 27: 6% discount

  • 28: 4% discount
  • 29: 2% discount

• How do I make a claim with nib?

  There are several options to choose from when you need to make an extras claim with nib:

  • Swipe your nib card. All you have to do is swipe your nib card when you visit your service provider to claim on the spot.
  • Claim online. You can use nib Online Claiming 24/7 and claim for extras services by uploading a photo of your receipt. Benefits will be paid into your account within 5 working days.
  • Claim via the nib app. There are iPhone, iPad and Android apps available so you can claim on the go.
  • Visit an nib retail centre. You can visit your nearest nib retail centre to lodge a claim in person.
  • Claim by mail. Download and complete an nib claim form, then mail it and your original receipts to nib health funds, Locked Bag 2010, Newcastle NSW 2300.

• Does nib offer health insurance to overseas visitors or students?

  nib offers separate health insurance options for overseas students and working visitors.

  The overseas student health cover (OSHC) consists of only one product called nib OSHC. There are 2 choices of overseas visitor health cover (OVHC) called Budget and Basic.

  All 3 of these offer the following:

  • They meet the Department of Immigration and Citizenship (DIAC) visa requirements.
  • They have no excess.
  • They cover emergency ambulance rides.
  • They cover 100% of the Medicare benefits schedule fee for every covered treatment.

  The OSHC policy and the OVHC Basic policy both cover GP visits and prescriptions. The OVHC Budget policy does not.