nib Health Insurance

NIB is a provider of health insurance in Australia, as well as travel insurance.

NIB health insurance

What health insurance products does nib offer?

The health insurance policies nib offers are designed to suit a variety of life stages, including singles, couples, families, single parents and overseas students and workers. At the time of writing, nib provides the following hospital, extras and combined hospital and extras products:

  • Hospital cover options: consumers can choose between Basic Essential Hospital Plus, Bronze Hospital Plus, Silver Hospital, Silver Advantage Hospital Plus and Gold Top Hospital policies.
  • Extras cover options: consumers can choose between Core Extras, Core Extras Boost, Core and Wellbeing Extras and Top Extras policies.
  • Combined cover options: consumers can choose to combine their choice of hospital cover with extras covers.
  • Ambulance cover: every nib health insurance policy includes unlimited emergency ambulance (excluding Queensland and Tasmanian residents).

Read more about what’s generally covered by Gold, Silver, Bronze and Basic hospital cover, as well as extras policies.

Compare Health Insurance

nib FAQs

If you decide to take out nib health insurance, you can get a quote on nib’s website or over the phone. You’ll need to select your desired policy inclusions and extras. If you request hospital cover as part of your policy, you may be asked what tier of cover you would like.

To help you find a health insurance policy that satisfies your budget and desired level of coverage, you may want to first compare your options with Canstar.

Compare Health Insurance

You can manage your nib health insurance policy by logging into the My nib portal on the nib website. From here, you will be able to make a claim, check your usage limits, update personal details, check whether you’re covered for a procedure, change your cover and download your tax statement.

All nib’s extras policies include cover for general dental and major dental, with the claim caps varying depending on the policy. Additionally, nib’s hospital policies offer cover for dental surgery.

All nib’s extras policies cover physiotherapy, with the claim caps varying depending on the policy.

The insurer’s Gold Top Hospital policy covers obstetrics (pregnancy and birth).

Compare Health Insurance

Once you’ve received medical treatment or made a purchase covered by your policy, the next step is to make a claim.

If you are claiming on extras, you may be able to claim on the spot, provided your healthcare provider uses the HICAPS system. This will process your claim automatically.

You can also make a claim by logging into the My nib portal and following the prompts. Contact nib or visit the nib website if you need assistance. Its app also includes features such as making a claim and managing your cover.

At the time of writing, nib does offer Overseas Student Health Cover (OSHC). If you are an international student currently in Australia on a study visa or are planning to do so in the future, you can compare OSHC policies available in Australia with Canstar:

Compare OSHC Health Insurance

At the time of writing, nib does offer Working Visa Health Cover (also known as Overseas Visitors Health Cover or OVHC). Keep in mind, if you’re on an overseas visa and are from a country with a reciprocal healthcare agreement, you could be eligible for another local policy.

Compare OVHC policies on Canstar’s website:

Compare Working Visa Health Cover

Nib Group provides health and medical insurance to over 1.4 million Australian and New Zealand residents, plus health insurance to international students and workers in Australia. It also sells travel insurance through nib Travel.

Compare Health Insurance


This content was reviewed as part of our fact-checking process.

Written by: Shay Waraker | Last updated: October 13, 2021