Family health insurance

Having family cover isn’t a must if you're planning to grow your family, but it’s something to consider if you want to use health insurance for private hospital pregnancy services. Like most funds, nib has a 12-month waiting period for pregnancy services, opens in a new tab for new members or those upgrading their cover. If you're switching from another fund and have already met the pregnancy waiting period there, you won’t need to wait again. After your baby arrives, you'll need to switch to family cover within two months to avoid waiting periods for your newborn.

With a family health cover plan, your partner and kids are all included under one policy. Everyone on the policy gets the same level of coverage. If you're adding someone new to your cover, there might be some waiting periods. Contact us, opens in a new tab for more details about waiting periods, opens in a new tab.

Your children can stay on your family health insurance policy until the day before they turn 31, whether they’re a student or non-student dependant. 

If they’re a student dependant, they can remain covered at no extra cost as long as they’re between 21 and 30 years old, studying full-time, and not married or in a de facto relationship.  

Non-student dependants can also stay on the policy for an additional fee. This applies if they’re between 21 and 30 years old, not studying full-time, not married or in a defacto relationship. 

If you need to add or remove someone from your policy, contact us, opens in a new tab. 

Whether you join nib online, opens in a new tab or by phone, opens in a new tab, we’ll handle everything. Just give us your previous fund details, and we’ll take care of contacting them and managing the paperwork. We’ll guide you through the process, let you know about any waiting periods, and ensure switching to nib is hassle-free so you can start claiming on your healthcare and taking advantage of our health and wellbeing services, opens in a new tab.