Member benefits
As a member, you get more than just great health cover. Access rewards, discounts and programs to suit your health and lifestyle.
Year of Potential
Win a share of 5 million nib Rewards points*
Log in and explore nib Rewards by March 31 to be in the running.
*Ends 31/3/25. Limit 1 entry/person. Max 1 prize/person. T&Cs and eligibility criteria apply, opens in a new tab. NSW TP/00507, SA T25/155, ACT T25/00235.
Save with nib Rewards
Get even more value from your membership with discounts on major brands. Earn points on selected offers and unlock even more savings - it’s our way of saying thanks for being with nib!
100% back with nib's No Gap dental network
You can get 100% back on preventative dental check-ups at nib's No Gap dental network.
First Choice Optical
We've partnered with a range of optical providers to bring our members discounts and 'no gap' offers.
Specsavers
Enjoy savings at Specsavers with discounts on a range of single-vision glasses and lens options.
4% discount for direct debit~
Get a 4% discount off the price of your health cover when you pay by direct debit.
Up to 10% discount for under 30s#
If you're under 30, you'll get up to 10% off any of our Australian Resident Hospital covers.
nib Travel Insurance
Get 10%^ off nib travel insurance plans. Protect your trip and travel well.
Consider the PDS & TMD. ^T&Cs apply.
GP Telehealth
Support your health from home and save 20% on telehealth and medical consultations at hub.health.*
Need help managing your membership?
Explore step-by-step guides for making claims, updating details, managing payments and more through the nib App or online member account.
Make the most of our member-only tools
Get more from your health cover with access to our health tools and programs.
Find your provider
Search our network of healthcare professionals in your local area to get the best value from your cover.
No Gap dental
Get more from your Extras cover with No Gap preventative dental check-ups from participating practitioners to reduce out of pocket costs and makes your dental Extras limits last longer.
Going to hospital
We can help you prepare for hospital, select a specialist and show you how to reduce your costs.
Your nib App
Claim in a snap, check your Extras limits, manage your cover and search for local healthcare professionals.
Your digital nib card
Find your digital card for Apple and Android in the latest nib App so you can have your member card handy wherever you go.
Chat to nibby
You’ll be surprised what nibby knows. Chat is available online 24/7 to help you manage your cover and point you in the right direction.
Check your symptoms
Analyse your symptoms quickly and confidentially and get advice when to see medical attention with nib Symptom Checker, exclusively available in the nib App.
Access Health Management Programs
We want you to be at your healthiest. That’s why we’ve partnered with trusted providers to offer eligible members a range of Health Management Programs at no additional cost. Use the Find a Program tool to find out if you’re eligible.
HealthCheck
Complete the free HealthCheck survey to get personalised insights and resources to help you focus on improving key areas of your health.
GP Telehealth
Make a booking with an experienced Australian-based GP or nurse practitioner and get quality healthcare when it suits you.
Medical certificate
Skip the trip to the doctors and get an online medical certificate signed by an Australian Registered Health Practitioner.
Skin Check
Take a short 3-minute survey to understand your skin type and get some tips to reduce your risk of developing skin cancer.
Online prescription delivery
Get new and refill prescriptions delivered to your door with an e-script or collect them from your local pharmacy.
Chat to nibby
You’ll be surprised what nibby knows. Chat is available online 24/7 to help you manage your cover and point you in the right direction.
Helping others with nib foundation
We're helping people to live healthier lives through nib foundation. We've committed over $21 million in funding to support 166 charities.
Check out The Check Up
Your hub of the latest news and info on health insurance, wellness, recipes, exercise tips and more. Get your monthly subscription straight to your inbox along with your nib membership.
The benefits of private health insurance
Concierge services and discounts - just to name a few
Member benefits across every product tier
Here are eight benefits you can access as an nib member
Why should I keep private health insurance?
You might be asking yourself, “Do I need health insurance?”
~Only available for Australian Resident policies. Not available on ambulance cover.
#Eligible members must be aged 18-29 and not a dependant under the policy. Discount calculated at 2% for each year an eligible member is aged under 30, to a maximum of 10% for 18 to 25 year olds. Read more, opens in a new tab.
^nib Travel Insurance Distribution Pty Limited, ABN 40 129 262 175, AR 336467 is an authorised representative of nib Travel Services (Australia) Pty Ltd (nib), ABN 81 115 932 173, AFSL 308461 and act as nib's agent and not as your agent. This is general advice only. Before you buy, you should consider your needs, the Product Disclosure Statement (PDS), opens in a new tab, Financial Services Guide (FSG) and Target Market Determination (TMD), opens in a new tab available from us. This insurance is underwritten by Pacific International Insurance Pty Ltd, ABN 83 169 311 193.
The discount applies to the total nib travel insurance premium and is for customers that currently hold an Australian health insurance product, an Overseas Student Health Cover product or an Overseas Visitors Health Cover product with nib. Discounts do not apply to the rate of GST and stamp duty or any changes you make to the policy. nib has the discretion to withdraw or amend this discount offer at any time. This discount cannot be used in conjunction with any other promotional offer or discount.
*Offer valid until 30 June 2025 for hub.health telehealth and medical consultations only. The offer does not apply to medical certificate purchases, medication costs or shipping costs. The discount cannot be used in conjunction with hubPass membership or with any other promotional offer or discount. nib and hub.health reserve the right to withdraw this offer at any time. hub.health Terms and Conditions, opens in a new tab will apply. hub.health, opens in a new tab is owned and operated by Midnight Health Pty Ltd, of which nib Group is a majority shareholder. hub.health Terms and Conditions, opens in a new tab will apply.
Become a member
There's more to nib than just great health cover. Join today and become part of the community.