Waiting periods apply
Waiting periods apply to some benefits on everyday and hospital cover. This is the time after you start a new policy that you have to wait before you make a claim.
Pre-existing conditions covered after 3 years
nib considers a pre-existing condition to be any injury, illness, symptom or diagnosis that happened any time prior to the policy starting. Most pre-existing conditions are covered after 3 years. The pre-existing conditions that relate to any of the following categories are not covered at any time:
This overview is not a policy document. It is an outline of the main features and benefits of the nib private hospital covers. A full explanation of the benefits and exclusions are contained in the policy documents. The policy documents are available from our documents page.