Member benefits across every product tier

Hospital covers are categorised into four tiers: Gold, Silver, Bronze and Basic, making it easier for you to compare and choose the Hospital cover that’s right for you.

At nib, we believe health insurance should be easy to understand, easy to claim on and, most of all, good value. To ensure we’re always here for you, especially when you need it most, nib aims to provide a range of benefits, services and inclusions that make being an nib member worthwhile.

So whether you select a Gold, Silver, Bronze or Basic level of hospital cover, the good news is by simply being an nib member, there are a heap of helpful tools and benefits you can access.

Get access to a world of exciting benefits and exclusive offers through nib Rewards. This members-only program can save you money with deals and discounts from some of Australia’s biggest brands.

With 100+ retailers (like MYER, JB Hi-Fi, Woolworths and Big W), 300+ Gourmet Traveller restaurants and serious savings on everything from gym gear to groceries¹, nib Rewards is our way of helping you live a fun, healthy and rewarding life. Find out how you can save with nib Rewards.

At nib, we have a team of hardworking and dedicated consultants who believe in genuine customer service, so when you call us, you can speak to a real person.

Plus, with a range of customer service channels, you can contact us when, where and how it suits, be that in person, over the phone or online.

All our health insurance covers include unlimited emergency ambulance². Plus, we don’t have any caps on the number of times you use that cover.

The average ambulance claim for nib members in the 2019/20 financial year was $980³, so, if you don’t have private health insurance, you might have to pay a hefty fee. Head to our Ambulance only page to learn more, or find out how much you can expect to pay for an ambulance in every state and territory across Australia.

It’s not just the ambulance fees you have to keep in mind. While public hospital healthcare (including emergency treatment) is free to all Australian citizens and most permanent residents, if you need further treatment after your initial admission, that’s when the costs (and waiting times) could add up.

On the majority of our hospital covers, nib offers extra protection against the unexpected with the Accidental Injury Benefit. If you’re an nib member and you present for treatment within 72 hours of an accident with a medical practitioner or at a hospital emergency department, and you are subsequently admitted to hospital, you’ll receive benefits in-line with our top hospital cover for the following 90 days⁴.

The latest nib app makes it even easier for you to manage your health cover in the palm of your hand. Through our app you can:

• Take a photo of your receipt and make a claim

• View your remaining annual benefits on Extras

• Find the nearest location of nib Eye Care Centres, Dental Care Centres and nib Agreement Hospitals

Download the free nib app today to get started.

If you need to see a dentist, optometrist or physio, our nib First Choice network should be your first port of call to help lower your out-of-pocket expenses. It’s our community of specially-selected health providers who have agreed to provide nib members with quality healthcare and great customer service at an affordable price.

You can choose to see the dentist, optical or physiotherapy provider of your choice, but by choosing an nib First Choice provider, it simply means you could pay less. Search the nib First Choice network now to find a provider.

If you're heading to the hospital, make sure you check if your specialist is enrolled in nib's MediGap network. This initiative aims to reduce or eliminate your out of pocket expenses for specialist medical treatments. When a specialist chooses to participate in MediGap for your procedure, they agree to charge either a No Gap or a Known Gap of up to $500. This gives you greater cost certainty and peace of mind when planning your healthcare needs.

It’s important to check with your specialist well in advance if they will bill you as a MediGap patient.

As an nib member, you have access to our Going to Hospital tool, which is filled with helpful information on health insurance, how to minimise your out-of-pocket expenses and the best questions to ask your specialist.

Through Going to Hospital, you can find a specialist who participates in nib MediGap, find an nib Agreement hospital (we have agreements with most Aussie private hospitals to help save you money) and get an understanding of the average costs for a procedure like yours.

The tool also allows you to check whether your particular procedure is covered by your current policy and whether you have any waiting periods you need to serve.

Regardless of what product tier you’re on, there’s never been a better time to review your cover than now. As your life changes, so will your health needs – and we want to make sure you’re covered for the things you need most.

Take a closer look at what you're covered for, your annual limits and your excess by logging into Member Services.

nib members have options when it comes to protecting their health and we encourage you to take a look around and make sure you find the cover that’s right for you. For more information on cover reviews, check out our article, Everything you need to know about reviewing your cover or call 13 14 63 to speak with one of our health insurance experts.

¹Terms and conditions apply. Some offers may vary or be available for a limited time. nib Rewards are available to new health insurance members after 30 days of membership, provided premium payments are up to date.

²1 day waiting period applies. Not available to: (i) QLD residents who have ambulance services provided by their State ambulance schemes; (ii) TAS residents who are covered under state ambulance schemes in TAS and when travelling in mainland Australia except SA and QLD; or (iii) pension and health care card holders who have ambulance services provided by State ambulance schemes (check entitlements with Centrelink if unsure).

³Average ambulance charge incurred by nib members between July 2019 and June 2020 (excluding TAS and QLD residents).

⁴Excludes consult at an Emergency Department. Additional eligibility criteria apply.