Claims

Claiming made simple

Use a recognised health partner to experience hassle free claiming and have 100% of your eligible costs covered in line with your policy terms.

1.

Do I need a pre-approval?

Pre-approval allows you to have peace of mind as it means you will know if your policy covers you for the treatment you need and if there will be any gap payment, plus any other out-of-pocket costs or excess to pay.

Although requesting pre-approval for treatments is important, it is not always necessary for non-surgical claims under $1000

Some health partners can do this on your behalf, or you can apply online through My nib.

2.

Receive treatment

Get the health service you need, knowing what you are covered for.If you have any gap, excess or out-of-pocket costs on your cover, you’ll pay this directly to your health partner.

3.

Make a claim

Following your treatment, the final step is to make your claim. There are 3 options to do this;

  • Health partner

    Prefer to let others take care of the paperwork? Claims submitted on your behalf for a hassle free experience.

  • My nib

    Online? Track your claims and make a payment request for procedures that have already taken place.

  • Mobile app

    On the move? Download our free app to make claiming as easy as possible.

    App Store Google Play

How to submit a claim

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