We'll waive the 2 and 6 month waiting periods on Extras when you choose any Hospital + Extras cover online by 31 August. New Australian resident members only. See T&Cs. Take advantage of rewards, discounts, promotions and programs to help you take control of your health and happiness. It’s our way of saying thanks. Having health cover could mean you save on tax if you have a taxable income of over $90,000. Manage your policy wherever you are with your nib account and the nib App. Snap a photo of your receipt to claim, check your benefits on the go, and more! Our healthcare networks help you get the best value from your cover and lower out of pocket costs. All our covers include unlimited emergency ambulance cover, excluding members covered by state ambulance schemes. Take advantage of rewards, discounts, promotions and programs to help you take control of your health and happiness. It’s our way of saying thanks. Having health cover could mean you save on tax if you have a taxable income of over $90,000. Manage your policy wherever you are with your nib account and the nib App. Snap a photo of your receipt to claim, check your benefits on the go, and more! Our healthcare networks help you get the best value from your cover and lower out of pocket costs. All our covers include unlimited emergency ambulance cover, excluding members covered by state ambulance schemes. Make the switch to great value health cover that’s easy to understand and easy to claim on—we’ll even handle the break-up call with your previous insurer.
We’ll contact your previous insurer to request a Transfer Certificate. They’re required by government legislation to comply within 14 days. We recognise any waiting periods you’ve already served so you can get the most out of your new cover straight away*. *Waiting periods may apply for services and higher annual limits not covered with your previous insurer. Any annual limits you have already used with your previous insurer will also carry across to nib until they're reset on 1 January. To ensure you receive this continuity of cover, make sure you switch to nib within 59 days of cancelling your previous policy. Health insurance can be confusing, so we’ve put together some answers to common questions to help get you on track. In Australia we have the public healthcare system (Medicare), which provides access to free or low-cost care for certain health issues. If your medical condition isn't life threatening, you may experience long waiting periods and you won't be able to choose your doctor or hospital. By having private health insurance, you’re able to be treated as a private patient, avoid public hospital waiting lists and choose your hospital and treating doctor. It also pays for some or all of the costs for your hospital accommodation, theatre, doctor and specialist fees. If you have Extras cover, it helps cover the costs of everyday services such as physiotherapy, dental and optical. Private health insurance is made up of Hospital cover and Extras cover. You’re able to buy them separately or packaged together. Hospital cover helps you avoid public hospital waiting lists and pays benefits toward the cost of private treatment. Extras cover is for non-hospital everyday services like dental, optical and physio. There's no one size fits all approach to private health cover. Your policy should be as individual as you are. The first step is to consider if you need cover as a single, couple or family, and then what you want to be covered for. Get a quote to view our cover options or call us. We can help make sure you have the right health cover for your needs. If you’ve already served your waiting periods, you won't need to serve them again. However, you may have to serve waiting periods for the new services added to your policy if you’ve upgraded your level of cover. Log in to change your level of cover, or call us. Lifetime Health Cover is a Federal Government initiative where a loading is applied to your premium if you take out hospital cover after 1 July following your 31st birthday. It's aimed at encouraging people to take out hospital cover early in life and maintain it. Waiting periods are the time you need to wait after taking out private health insurance before you can claim on a service or item covered on your policy. All health insurers have them – it's necessary to keep health cover fair. |
What does health insurance cover
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