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NIB Health Insurance Review

Megan Fraser
Megan Fraser Updated: 05 July 2021
Types of Health Insurance

NIB Health Insurance Review

NIB is a medical and health insurance company that caters to over 1.6 million residents of Australia and New Zealand and brokers to over 190 000 students and workers who are currently overseas. As one of Australia’s leading and trusted insurers, NIB generally has its member’s well-being at heart..

Currently, they offer members the choice between 5 Hospital policies and 4 Extras policies. As a fund member, you’ll typically have access to their rewards programme, which provides you with rewards for healthy living. This includes discounts at leading retail stores and access to exclusive healthy living programmes.

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1300 135 205
  • Australian-Unity
  • AHM
  • NIB
  • HIF
  • Phoenix-Health
  • AIA

What are the pros and cons of NIB?

Advantages Disadvantages
Emergency ambulance cover is availableCertain waiting periods apply for specific services and treatments.
Can help you avoid the Medicare Levy Surcharge if you have a taxable income above $90,000 ($180,000 for families) and Lifetime Health Cover Loading.They don’t offer any pre-packaged Hospital and Combined policies.
You can download the nib app, which will help you contact health specialists at a more affordable cost.You aren’t able to purchase an Ambulance-only policy.
You receive 100% back on all dental check-ups, single vision glasses, and contact lenses when visiting one of the dental and eye care centres.

Waiting periods

This refers to the amount of time you must wait before claiming for a benefit after your policy. Waiting periods typically depend on the level of cover you hold and the treatment or service you want to claim for. However, you’ll typically be able to expect the following waiting periods:

NIB Hospital cover

Depending on which plan you choose and which hospital you attend, the company offers a range of Hospital cover, including hospital accommodation, operating theatre fees, intensive care fees, labour ward fees, meals, and common and support treatments.

In terms of Hospital plans and policies, this health insurer offers five different Hospital policies with three separate Excess options, which are $250, $500, and $750.

PlanPrice (per month)CoverageRestricted
Basic Essential Hospital Plus$107.55
  • Emergency ambulance cover
  • Immediate necessary treatment needed because of an accident.
  • Joint reconstructions.
  • Treatment and/or removal of hernia, appendix, tonsils, adenoids and grommets.
  • Gastroscopy and colonoscopy.
  • Hospital psychiatric services
  • Palliative care
  • Rehabilitation
Bronze Hospital Plus
  • Investigation and treatment of female reproductive system, for example, endometriosis.
  • Investigation and treatment of a miscarriage or termination of pregnancy.
  • Dental surgery
  • Palliative care
  • Rehabilitation services.
  • Hospital psychiatric services
  • Palliative care
  • Rehabilitation
Silver Hospital$156.21
  • Heart, heart-related conditions and vascular system, which includes varicose veins.
  • Treatment and correction of hearing loss.
  • Dialysis and chronic kidney failure.
  • Joint replacement, such as shoulder, knee, hip and spinal disc.
  • Removing cataracts and replacing with an artificial lens.
  • Hospital psychiatric services
Silver Advantage Hospital Plus$212.32
  • Treatment and correction of hearing loss.
  • Dialysis and chronic kidney failure.
  • Joint replacement, such as shoulder, knee, hip and spinal disc.
  • Removing cataracts and replacing with an artificial lens.
  • Investigation and treatment of your back, neck and spine. For example, sciatica and herniated discs.
  • Hospital psychiatric services
Gold Top Hospital$278.67
  • Prostate cancer, male sterilisation and circumcision.
  • Cancer, including chemo, radiotherapy and immunotherapy.
  • Digestive system, including gall bladder and bowel.
  • Lungs and lung condition, such as asthma and lung cancer.
  • Diabetes management.
  • Insulin pumps.

Source: PrivateHealth.gov.au 14 April 2021

What Extras policies does NIB provide?

There are five different Extras policies to choose from. You can also mix up plans to create a customised policy that best suits your needs and lifestyle.

PlanPrice (per month)CoverageExcess
Core Extras$43.97
  • General dental
  • Major dental
  • Endodontic
  • Optical
  • Physiotherapy
  • General dental: $600
  • Major dental: $600
  • Optical: $250
  • Physiotherapy: $350
  • Acupuncture: $600 limit
Core Extras Boost$127.92
  • General dental
  • Major dental
  • Endodontic
  • Optical
  • Physiotherapy
  • General dental: $700
  • Major dental: $1,000
  • Optical: $300
  • Physiotherapy: $450
  • Acupuncture: $600
Core and Well-being Extras$72.67
  • General dental
  • Major dental
  • Endodontic
  • Optical
  • Physiotherapy
  • Psychology
  • Acupuncture
  • Chiropractic
  • Remedial massage
  • Chinese medicine
  • Dietetics/dietary advice
  • Health management
  • Osteopathy
  • General dental: $600
  • Major dental: $600
  • Optical: $250
  • Physiotherapy: $350
  • Acupuncture: $300
  • Gym memberships: $150
  • Chiro/Osteopathy: $300
  • Dieticians and nutritionist: $300
  • Artificial & health aids: $250
Top Extras$158.62
  • General dental
  • Major dental
  • Endodontic
  • Orthodontic
  • Optical
  • Non-PBS pharmaceuticals
  • Physiotherapy
  • Chiropractic
  • Podiatry
  • Psychology
  • Acupuncture
  • Remedial massage
  • Hearing aids
  • Blood glucose monitors
  • Ante-natal/Post-natal classes
  • Chinese medicine
  • Dietetics/dietary advice
  • Exercise physiology
  • Eye therapy
  • Health management
  • Home nursing
  • Occupational therapy
  • Orthotics (podiatric orthoses)
  • Osteopathy
  • Speech therapy
  • General dental: $1,000
  • Major dental: $1,300
  • Orthodontic: $800
  • Optical: $350
  • Physiotherapy: $600
  • Podiatry: $600
  • Psychology: $500
  • Acupuncture: $400
  • Antenatal & postnatal services: $250
  • Occupational therapy: $480
  • Speech therapy: $450
  • Hearing aids: $1,200
  • Artificial & health aids: $500
  • Home nursing services: $200
  • Gym memberships: $200
  • Chiro/Osteopathy: $500
  • Dieticians and nutritionist: $600
  • Non-PBS: $500

Source: PrivateHealth.gov.au 14 April 2021; AIA Vitality

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  • Easy and convenient
  • Free to use

Want to talk to a specialist? Call 1300 795 560

NIB Rewards

Since the company’s main goal is to ensure their members live a happy and healthy life, rewards are given to those who complete activities that improve their well-being. Rewards are received daily and allow members to access an array of gifts from stores across the world.

To receive rewards, you need to be an active member and have either set your online services or downloaded the app.

Benefits include:

How to join NIB

You can join the health fund online via their website or over the phone with one of the brokers. There is also a 30-day cooling-off period, which gives you a month to decide if you’d like to remain with the company and the policy you’ve chosen. If you’re not happy with your plan and you’ve contacted your broker before the 30 day trial period is complete, you will receive a full refund.

How to get a nib insurance card

Adult members receive their membership and insurance card once their chosen policy has been processed and can request additional cards for other policy members. Members can also download a digital insurance card through the app.

How to claim from NIB?

There are several ways to claim from the insurer. You can scan your digital or physical card directly after your medical appointment, file a claim online or through the app, or claim via post by completing and sending through a claim form.

Frequently asked questions and answers

  • Does nib offer ambulance cover?

    Yes, emergency ambulance cover costs are unlimited.
  • Can you switch from another health fund to nib health insurance?

    Yes, you can switch from your health fund to nib, and the process is effortless. All you need to do is request a quote online, sign up, and after expressing that you wish to switch, nibs will contact your former insurance company for you.
  • How can I change my nib cover?

    You can easily change your cover by signing into your online account, calling a broker, or through the nib app. Remember that changing covers may have a waiting period, and you have 30 days after you’ve first signed up to change your cover.
  • How do you cancel your nib health insurance?

    You are welcome to cancel your health insurance policy any time you like. If you cancel your plan before the 30-day cooling period is completed, you will receive a full refund. You can cancel your health insurance either online, over the phone, or going into one of the nib branches.
  • How much does nib cover for dental?

    You can receive 100% back when visiting one of nib’s dental care centres, including the examination, teeth whiting, scale, clean and fluoride treatment.
  • Does nib cover eye tests?

    Yes, nib covers eye tests at the nib eye care centre, as well as contact lens fitting sessions. They also offer 100% back on selected contact lenses and complete glasses. Unfortunately, nib does not cover eye laser surgery.
  • Does nib cover exercise physiology?

    No, nib does not cover exercise physiology.
  • Is remedial massage covered by NIB?

    Remedial massage, acupuncture, and traditional Chinese medicine are covered in the nib everyday plans when visiting a nib recognised provider. Covers range from $150 to $300 a year, depending on your plan.
  • Does nib cover Weight Watchers?

    Yes, but only for members who reside in Australia. Covers extend to the Basic Plus & Mid Plus covers, which have limits of $150 a year, Top Cover plan, which has a limit of $250, and the Healthier Lifestyle 6-month Premium Extras, a limit of $200.
  • Can I suspend my nib health insurance?

    If you’re finding it hard to fund your health insurance or you’re travelling overseas, you can suspend your health insurance. Remember, when you suspend your policy, you will not be able to claim over the period of suspension.
  • How much does nib health insurance cost?

    The cost of nib health insurance depends on the plan and policy you’ve chosen, your family dynamic and beneficiaries, where you live, and what lifestyle you lead. The cost can range from $50 to $150 and above.
  • Is nib a for-profit or non-profit health fund

    Nib is a for-profit health fund that caters for over 1 million members in Australia, New Zealand, and overseas residents.
  • How to find a nib provider?

    To find a nib provider, visit nib.com.au/find-a-provider/ and type in what kind of professional you want and in which location.
  • Can you get overseas health cover from nib?

    Yes, there are two health cover plans for Australian residents travelling and living overseas. These include the Budget Visitor Cover at $14.40 per month and the Basic Visitor Cover for $22.76 per month.

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