nib's health insurance covers nearly a million Australian and New Zealand residents. They offer five different types of hospital cover, allowing you to pick one that's right for you, without paying for what you don't need.
Top 3 features
Good for people who need insulin pumps. The installation and especially replacement of insulin pumps are generally not covered until the highest tiers of cover, but nib covers insulin pumps from Bronze up.
Good for people looking for basic cover. nib's basic hospital policy is surprisingly comprehensive, covering more treatments and fees than most equivalent policies.
Good for avoiding out-of-pocket costs with their MediGap program. Participating health providers won't leave you with any gap to pay on Medicare-covered treatments.
nib offers five different forms of hospital cover:
Basic Essential Hospital Plus. Entry level cover for accidents and a few basic treatments.
Silver Advantage Hospital Plus. Covers most common treatments, excluding services for pregnancy and birth and some others.
Gold Top Hospital. No exclusions or limitations. nib's highest level of cover.
Accidental injury benefit
Hernia and appendix
Miscarriage/termination of pregnancy
Tonsils, adenoids and grommets
Brain and nervous system
Bone, joint and muscle
Ear, nose and throat
Chemotherapy and radiotherapy
Male reproductive system
Heart and vascular system
Hearing aids and devices
Back, neck and spine
Dialysis for chronic kidney failure
Assisted reproductive services
Weight loss surgery
Pregnancy and birth
Other benefits of nib Hospital Cover
In addition to the benefits of your hospital cover above, you'll also receive access to:
nib MediGap. If you are treated by a participating provider, nib will cover the gap between what your provider charges and the MBS price, leaving you with no out-of-pocket expenses.
Direct debit discount. If you set up your premium payments to be taken out by direct debit, you may receive up to a 4% discount.
No excess for kids. On a family plan, you won't be charged an excess for kids who go to hospital.
Good basic coverage. nib's Basic tier policy pays for theatre fees, hospital accommodation and more, which most equivalent policies don't.
How do the costs work?
When you go to hospital, you will be required to pay the applicable excess nominated on your policy. If you are being treated as a private patient at a public hospital or at an nib Agreement private hospital, you shouldn't incur any out-of-pocket costs for treatments included on your policy.
You might attract out-of-pocket costs for non-Medicare covered treatments or extra luxury services you opt for, like TV hire.
Waiting periods and limitations
nib has a set of standard waiting periods that apply, which you must serve before being able to claim benefits. These are as follows:
2 months: For general hospitalisation, hospital psychiatric services, palliative care and rehabilitation.
12 months: For pre-existing conditions and pregnancy and birth.
How to make a claim
Most services can be claimed on the spot by swiping your nib membership card. If you do find yourself needing to make a claim, you can do it via the nib App, or by using their online system. You will need the appropriate invoices and receipts to attach to your claim.
Otherwise, if necessary, you can make a claim by mailing in a claim form to nib or by visiting one of their retail centres.
As Finder's insurance Publisher, Alex Holderness aims to make confusing topics easy to understand. She has a keen passion for being active and can regularly be seen clocking up the kilometres on foot. She's been published in Start-Up Daily and Hospital Health.
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