Compare our
health insurance

Picking the right health insurance is all
about making sure it fits with your needs.

Everyday cover for:

dental, GP consultations, prescription glasses and more…

Standard
From $8.38 / week 1
Everyday benefits
Claim 60% back
Dental
Glasses & contacts
GP visits & prescriptions
Physio/ Chiro/ Osteo
and more
Premium
From $13.38 / week 1
Everyday benefits
Claim 80% back
Dental
Glasses & contacts
GP visits & prescriptions
Physio/ Chiro/ Osteo
and more
Premium Everyday
Claim 80% back
On the cost of day-to-day health costs
Dental
Claim 80% back on routine check-ups, root canals & more
Glasses & contacts
Claim 80% back on the cost of your prescription glasses, contacts and eye exams
GP visits & prescriptions
Claim 80% of the cost of GP consultations and prescriptions
Physio/ Chiro/ Osteo
Claim 80% back on the cost of treatment from a physiotherapist, osteopath or chiropractor
and more
including remedial massage, acupuncture and vaccinations.

Hospital cover for:

cancer, surgery, specialist consultations and more…

Standard
From $8.97 / week 2
Hospital benefits
Cancer
Surgery
Diagnostics
Oral surgery
GP surgery
Ambulance transfer
and more
Premium
From $11.07 / week 2
Hospital benefits
Cancer
Surgery
Diagnostics
Oral surgery
GP surgery
Ambulance transfer
Obstetrics
Home nursing
and more
Premium Hospital
Cancer
Cover for and relating to the treatment of cancer, including chemotherapy and radiation therapy
Surgery
You’re covered for having surgery in a private hospital
Diagnostics
Access to a range of scans and other diagnostic investigations, even if you are not admitted to hospital
Obstetrics
Cover for the cost of treatment by an obstetrician
Home nursing
Cover for the cost of home nursing care for up to 6 months after hospital admission
and more
including podiatric surgery, and varicose veins.

Combine covers for:

both day to day health costs and the big stuff…

Standard Hospital +
Standard Everyday
From $ 17.35 / week 2
Hospital benefits
Cancer
Surgery
Diagnostics
Oral surgery
GP surgery
Ambulance transfer
and more

Everyday benefits
Claim 60% back
Dental
Glasses & contacts
GP visits & prescriptions
Physio/ Chiro/ Osteo
and more
Premium Hospital +
Premium Everyday
From $ 24.45 / week 2
Hospital benefits
Cancer
Surgery
Diagnostics
Oral surgery
GP surgery
Ambulance transfer
Obstetrics
Home nursing
and more

Everyday benefits
Claim 80% back
Dental
Glasses & contacts
GP visits & prescriptions
Physio/ Chiro/ Osteo
and more
Premium Hospital + Premium Everyday
Cancer
Cover for and relating to the treatment of cancer, including chemotherapy and radiation therapy
Surgery
You’re covered for having surgery in a private hospital
Diagnostics
Access to a range of scans and other diagnostic investigations, even if you are not admitted to hospital
Obstetrics
Cover for the cost of treatment by an obstetrician
Home nursing
Cover for the cost of home nursing care for up to 6 months after hospital admission
and more
including podiatric surgery, and varicose veins.

Claim 80% back
On the cost of day-to-day health costs
Dental
Claim 80% back on routine check-ups, root canals & more
Glasses & contacts
Claim 80% back on the cost of your prescription glasses, contacts and eye exams
GP visits & prescriptions
Claim 80% of the cost of GP consultations and prescriptions
Physio/ Chiro/ Osteo
Claim 80% back on the cost of treatment from a physiotherapist, osteopath or chiropractor
and more
including remedial massage, acupuncture and vaccinations.

Important things to know

  1. Price based on: 25 year old male. Price includes our 4% direct debit discount.
  2. Price based on: 25 year old male, non-smoker with a $500 annual excess. Price includes our 4% direct debit discount.
  3. 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.

  4. 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:

    • Cancer
    • Cardiovascular conditions and some risk factors
    • Hip, knee or back
    • Transplant surgery
    • Reconstructive or reparative surgery

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.

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