Health insurance

Earn rewards as a member

Enjoy discounts on sneakers, groceries and more with nib Rewards. Plus, earn points on selected offers and unlock even more savings.

Manage your cover on the go

Stay on top of your health cover online. Use the Find a Provider tool to search for physios, dentists and hospitals near you.

Plus, claim instantly at your appointments with your digital card or claim later with the nib App.

Get more bang for your buck

Enjoy up to 75% back on Extras, take advantage of tax savings and benefit from age-based discounts.

Access convenient and flexible health services

Get the support you need, whenever and wherever it suits you — with GP Telehealth, medication delivered to your door and online medical certificates.

Free health tools to support your wellbeing

Take charge of your health with our easy-to-use tools like online HealthCheck, skin check and the nib Symptom Checker – keeping you on track whenever you need a hand.

Lower your out of pocket costs

Get the most value from your cover with access to our First Choice network of carefully selected health providers, offering No Gap options for optical, physio and dental.

What does private health insurance cover?

Private health insurance is made up of Hospital cover and Extras cover – you can choose to buy them separately or together.

• Hospital cover helps pay for treatment as a private patient, including costs like accommodation and theatre fees.

• Extras cover is for everyday health services like dental, optical and physio – giving you more support for everyday health.

How do I compare health insurance in Australia?

When you're comparing covers, think about who it's for, what you need and if it fits both your healthcare and financial needs.

Be sure to check things like waiting periods, excess and annual limits.

See our helpful guide to find the best cover for you.

What’s the difference between Medicare and private health insurance?

Medicare is government’s public health system that covers some of the basic healthcare costs for all Australian residents including public hospital treatment, doctors visits and more.

Private health insurance covers additional healthcare costs. It gives you access to private hospitals, shorter waiting times and more choice in doctors. Plus, it helps pay for things Medicare doesn’t, like dental, optical and physio.

Save money at tax time

Without private health insurance, you could pay extra tax. Avoid the Medicare Levy Surcharge (MLS) and benefit from the Australian Government Rebate (AGR) to reduce your premiums.

Skip public hospital queues

With private hospital cover, you can choose your doctor, the hospital and the timing of your treatment - so you get the care you need, when and where it suits you.

Save on everyday health

Extras cover helps you save on things like dental, physio and optical. Making it easier to maintain your health and wellbeing without breaking the bank.