Receive both hospital and extras insurance in one package with nib combined cover
nib is all about providing flexible and effective health insurance to more than one million members around Australia and New Zealand. It brings this flexibility to combined cover by letting members create their own health care packages.
By combining both hospital and extras cover from nib, you can tailor your own cover and create health cover that’s effective and carries a healthy discount.
Your combined cover options
You can mix and match all types of nib hospital cover, and all types of nib extras cover in a way that suits your needs.
The four hospital cover options
The four levels of nib hospital cover are Basic, Standard, Advantage and Top, and all of them can cover private hospital accommodation, operating theatre fees and other hospital expenses incurred as a private patient in a public hospital, or in an nib-agreed-upon private hospital. You also get access to the Gap Cover scheme with all cover levels to help minimise out-of-pocket expenses.
- Top hospital: You’ll need this cover level for pregnancy and related benefits, as well as medically necessary weight-loss related surgery. If you have a lot of health needs or are looking for pregnancy cover, this might be the right level of hospital cover for you.
- Advantage hospital: This level, and above, covers you for renal dialysis, joint replacements, glaucoma and cataract treatments and back surgery like spinal fusion. If you’re looking for a range of benefits that can help out in advanced age, without paying for the full range of Top Hospital cover, this might be the right cover level for you.
- Standard hospital: This level, and those above, includes cover for stroke treatments, heart surgery, cancer treatments, rehabilitation, brain surgery and other serious major expenses. If you’re looking to keep costs down but still want to effective cover in case of potentially devastating health events this may be a suitable cover choice.
- Basic hospital: This affordable cover level might be a good choice for the young, healthy and budget-conscious. It offers essential-level cover of some of the more commonly undergone procedures, like tonsil and appendix removal, gynaecology, joint reconstructions and colonoscopy.
See the full overview of each level of hospital cover for more detailed information.
Find the right extras cover
There are two basic cover options with nib extras.
- Top Extras (75% back): Covers the full range of benefits typically available in comprehensive extras policies, and more.
- Core Extras (60% back): Automatically includes essential type extras benefits, and then lets you add a range of different cover types to suit your needs.
See the benefits that are only available with Top Extras
You need Top cover to get:
- Exercise physiology
- Eye therapy
- Hearing aid speech processor cover (you can still get hearing aids themselves covered under Core plans)
- Home nursing
This cover automatically includes:
- Emergency ambulance cover
- Preventative dental
- General dental
- Major dental (not including orthodontics)
You can then add up to two of the cover types below. When you add two which cover the same thing, you get double the limits as well. To further increase limits, the nib Core plan also gives you the optional choice of raising your annual limits, at extra cost.
|Family add-on||Wellbeing add-on||Young at Heart add-on|
|Antenatal and postnatal|
|Chiro and osteo|
|Healthier lifestyle (gym memberships, etc)|
|Podiatry and orthotics|
|Family health aids|
|Wellbeing health aids|
|Young at Heart health aids|
What are the benefits of an nib combined health plan?
By getting both hospital and extras cover from nib, you can get the flexibility of creating your own health plan, and pay less than the normal cost of both by themselves.
To reduce costs further, you can also get a 4% discount by paying your premiums with direct debit. Other benefits for nib members include being able to get 100% back on optical and dental at nib’s partner providers. This also applies to sunglasses and fashion eyewear, so even if you have perfect vision you can still take advantage of your extras optical cover.
With your hospital cover, no excess is payable for dependent children’s admissions until the age of 21. Also, with all hospital cover plans you can choose your own excess, of either $250 or $500 (except Standard which is $500 only). This excess is only payable once per hospital admission, per person, per year.
Limitations and waiting periods
Limits will apply to your extras cover, and waiting periods will apply to both hospital and extras cover.
- 1 day: Ambulance and hospital accident cover
- 6 months: Healthier lifestyle, optical, preventative tests
- 12 months: Orthodontics, health aids, major dental, pregnancy, fertility and birth related services and pre-existing conditions
- 36 months: Hearing aids and speech processors
- 2 months: Everything else
How to claim benefits
At nib-agreed-upon private or public hospitals, the hospital will typically be able to claim costs directly from nib, and you will need to pay the excess and other applicable fees directly to the hospital.
When required, you can fill in a claims form and send it to the address specified on the form, using one of the specified methods. You can also send in a claims form to claim already-paid-for extras services, or can simply swipe your membership card at participating providers and pay the difference yourself.
Or, you can download the nib app to simply take a photo of your hospital or extras service receipt, and submit that.
Premium payment options
Your premium payment options are as flexible as your health cover.
- Direct debit from your bank, building society or credit union account, for a 4% premium discount
- BPAY, via Internet or phone banking
- Credit card direct debit, with MasterCard, Visa or American Express cards
- Online credit card payment
- In person at an nib retail centre
- Mail with a cheque payable to “nib health funds”