- Hospital planCover to help pay for the big things
- Everyday planCover for your day-to-day health costs
- Combine plansGet cover from both plans
Our Hospital plans are designed to help cover the big health costs like surgery or cancer treatment, giving you fast access to private healthcare and making it easier to get back on your feet. These plans offer cover for:
The benefits of buying online
No health questions
You don't have to complete any medical or health questions, join online in less than 10 minutes.
Your cover starts straight away, but waiting periods will apply for some benefits1.
Cover for pre-existing conditions
On a Hospital plan, many of your pre-existing conditions can be covered after 3 years**.
On a Hospital plan, you can choose an excess option that suits your budget – a higher excess means a lower premium.
Claim for everyday costs
On an Everyday plan, you can claim back a percentage of your day-to-day health costs2.
1 on Hospital plans, some pre-existing conditions will only be covered after three years and others will never be covered. Benefit limits and policy terms apply.
2 up to the benefit limit and in line with your policy terms.
Get your health covered now
Joining nib and getting your health covered is easy. You can even do it all online. Just follow these simple steps:
- Enter your details
- Add everyone you want to get cover for, such as your partner, spouse and any children
- Choose your plan. If you're getting Hospital cover, choose your excess from the options available to you
- Choose a quote and how often you want to pay
- Enter your payment details and finalise your plan
Need help? We can call you
If you need help deciding on what plan is right for you, give us a call. Choose a time below and one of our friendly consultants will call you back, normally within one working day (Monday - Friday 8:00am to 7:00pm). Or, speak with a consultant now – 0800 123 642, option 4.
Things to know before you join
The price you see online includes our 4% direct debit discount and is based on a 25 year old male, non-smoker with a $500 annual excess on Hospital cover. We recommend getting a quote specific to you so you know what you will need to pay.
**Am I covered for any pre-existing conditions?
In summary, a pre-existing condition is any injury, illness, symptom or diagnosis that happened any time prior to your join date. Many pre-existing conditions will be covered after three years, as explained in the policy document. However, we will never cover any of the following if they are pre-existing:
- Cardiovascular conditions and some risk factors
- Hip, knee or back issues
- Transplant surgery
- Reconstructive or reparative surgery