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Have peace of mind with our range of health insurance plans available online or ask your independent financial adviser for other options.

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:

Cancer treatment
Major and minor surgery like hip and knee replacements, skin lesions and GP surgery
Specialist consultations
Diagnostic investigations like MRI scans, x-rays and CT angiograms
Extraction of impacted and unerupted teeth after you’ve had your policy at least 12 months
Medsafe-approved, non-PHARMAC funded drugs with non-PHARMAC Plus
Plus a whole lot more
Overall benefits (Benefit limits are per person, per year):
Benefits (Benefit limits are per person, per year):


Non-PHARMAC funded medicines can be lifesaving – but can cost up to hundreds of thousands of dollars. This Option helps you cover the cost and lessen the burden of expensive treatments with these drugs for conditions such as cancer, Crohn's disease and arthritis.

Non-PHARMAC Plus covers the cost of non-PHARMAC funded medicines that are Medsafe-approved, used in a private hospital or at home and meet Medsafe’s guidelines for use1. The drugs must be recommended by a specialist and relate to an approved claim for treatment under your Hospital plan (which covers eligible hospital, specialist and/or anaesthetist costs).

The Option also covers any medicine administration costs and there are four different cover levels (the maximum amount we will pay towards your eligible claims within your policy year for each member covered) to choose from to suit your needs:

$50,000 every policy year
From $NaN* weekly
$100,000 every policy year
From $NaN* weekly
$200,000 every policy year
From $NaN* weekly
$300,000 every policy year
From $NaN* weekly

This is a summary of the non-PHARMAC cover only. See your Standard Hospital or Premium Hospital policy document.

1 Non-PHARMAC treatment at home will be covered for up to six months after you’re admitted to private hospital for approved and related treatment.

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.

Immediate cover

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**.

Flexible excess

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.

** Find out more

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:

  1. Enter your details
  2. Add everyone you want to get cover for, such as your partner, spouse and any children
  3. Choose your plan. If you're getting Hospital cover, choose your excess from the options available to you
  4. Choose a quote and how often you want to pay
  5. 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 5:30pm). Or, speak with a consultant now – 0800 123 642, option 4.

Monday to Friday 8:00am to 5:30pm

We'll only use this information to phone you about getting cover with nib. Find out more about financial advice from nib.

Things to know before you join

*Our pricing

The price you see online includes our 4% direct debit discount and is based on a 25 year old male, non-smoker with a $250 annual excess on Hospital cover. We recommend getting a quote specific to you so you know what you will need to pay.

The price you see online for non-PHARMAC Plus includes our 4% direct debit discount and is based on a 25 year old male, non-smoker. 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:

  • Cancer
  • Cardiovascular conditions
  • Hip, knee or back issues
  • Transplant surgery
  • Reconstructive or reparative surgery