NIB Health Insurance
Nib has a mission and vision of people enjoying better health. Through our success, we aspire to more prosperous and sustainable communities, not only the creation of enterprise value.
Who we are
nib Group is a trusted international health partner, empowering our members to make better decisions and improve health outcomes through greater accessibility to affordable health services and information.
nib Group provides health and medical insurance to over 1.5 million Australian and New Zealand residents. We also provide health insurance to more than 160,000 international students and workers in Australia.
In addition, we are Australia’s third largest travel insurer and global distributor of travel insurance through our business nib Travel, providing financial protection and assurance to travellers wherever they are in the world.
As an international student coming to Australia to study we understand that purchasing health insurance is probably the last thing on your mind. We can make the process easy for you by providing health insurance for peace of mind to make the most of your time in Australia.
At nib, we believe that health cover should be easy to use, easy to understand and most of all good value. Why over 1 million customers trust nib in Australia and New Zealand?
- Over 60 years experience in providing health cover
- Dedicated Customer Service Team
- Easy mobile claiming
- 24 hour Online Services
Our Purpose
Our purpose is your better health. We are a trusted partner in helping our members and travellers make more informed healthcare decisions, transact with healthcare systems and generally live healthier lives.
Members Advantages
Travel insurance discount
Ready for a holiday? nib health cover members always get 10% off nib travel insurance.
Health and wellness programs
We want you to live life at your healthiest. So, we’ve put together a range of Health Management Programs available at no additional cost to eligible customers.
nib foundation
We’re helping people live healthier lives through nib foundation. We’ve committed more than $17 million in funding to support over 120 programs across Australia that tackle important health issues.
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Cover Options
Extras
What is Covered?
Doctors and Specialists
Your health cover will help you pay for doctors and specialists. In Australia your doctor is called a GP (or ‘General Practitioner’).
When do I see a doctor?
A GP is the first person you will go and see if you are unwell, except in the case of an emergency. If it is an emergency, dial 000.
A GP may refer you to a specialist such as a radiologist or pathologist for further investigations such as blood tests, or they may provide you with a prescription for medication to treat your illness.
Covered – We help you pay for
Doctors visits
100% of the government-recommended fee (known as the ‘MBS’) for general practitioner (GP) consultations which are not part of a hospital stay. Note: If your GP charges more than the recommended fee, you will be required to pay the difference (known as a ‘gap’).
Specialist services
85% of the government-recommended fee (MBS) for specialist services including pathology, radiology and other specialists providing treatment which is not part of a hospital stay.
Medical treatment at hospital
100% of the government-recommended fee (MBS) for medical treatment provided in a hospital including doctors, specialists, pathology and radiology.
Public hospital
100% of the rate State and Territory health authorities recommend for services charged to a patient who is not an Australian resident. Includes:
- shared ward accommodation, theatre fees and same day services
- accident and emergency services
- post-operative services and related medical treatments which don’t require a hospital stay
Private hospital
100% of the rate nib has established with the hospital through a contract. Includes:
- private or shared room accommodation
- theatre fees and same day services
Note: If you choose to be treated in a private hospital nib does not have a contract with, you will be required to pay any difference between the OSHC benefit and the hospital accommodation cost. Find a nib Agreement Private Hospital .
Emergency Ambulance
100% of medically necessary transport provided by a State and Territory Ambulance Service.
Prescription Medication
Up to $50 per prescription item listed on the Pharmaceutical Benefits Scheme (PBS), after you pay the PBS Patient contribution. You can claim up to $300 per person per calendar year, capped at $600 for families.
Not covered – We do not pay for
Infertility treatments
Infertility treatments like assisted reproductive services or in-vitro fertilisation and secondary conditions related to infertility treatments.
Extras services
Treatments by dentists, physiotherapists, chiropractors or any other Extras service providers (unless directly related to a hospital admission and completed in hospital), or other Extras services such as glasses, hearing aids or artificial aids.
Services not covered by Medicare
Services not covered by Medicare such as cosmetic surgery, laser eye treatment or experimental surgery
Treatment outside of Australia
Treatment outside of Australia or arranged before arriving in Australia.
Compensation or damages
Services and treatments that are covered by compensation or damages of any kind (like workers compensation or third party insurance).
Non-essential Hospital items
Luxury hospital rooms and other non-essential items like TV hire, beauty treatments and phone calls.
Waiting Periods
Waiting periods apply if you are new to health insurance.
You need to serve the waiting periods before you are entitled to receive the benefits below.
- Pregnancy and birth related services – 12 months
- Pre-existing conditions – 12 months
- Psychiatric services – 2 months
Accommodation Types
- Monday24 hours open
- Tuesday24 hours open
- Wednesday24 hours open
- Thursday24 hours open
- Friday24 hours open
- Saturday24 hours open
- Sunday24 hours open
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