No waiting!

Get the everyday healthcare you need STRAIGHT AWAY! Sign up to Everyday health and Hospital cover and there's no waiting periods on your everyday health costs like the GP, Dentist, Optometrist and more.

Why choose nib health insurance?

nib’s Everyday and Private Hospital cover is smart, simple and value for money.

  • Get cover for everyday things like prescription glasses, GP visits, dental treatment and more with Everyday Health cover.

  • Quicker access to treatment – get covered for the big things like cancer treatment, surgical procedures and diagnostic investigations and avoid waiting in the public healthcare system** with Private Hospital cover.

  • Got a pre-existing condition? Unlike some other health insurers, nib covers most pre-existing conditions after 3 years***.

Need help signing up with nib?

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We will call you back within one working day (Monday - Friday 8:00am to 7:00pm)

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    Important things to know

    Join and claim offer Terms & Conditions

    This offer applies to new members of nib (someone who is not an existing nib member as at 13 February 2020), who purchases Standard or Premium Hospital cover combined with either Standard or Premium Everyday cover between 13 February 2020 and 12 May 2020. This offer is not available to new members joining an existing nib policy.

    Notwithstanding this period of availability of the offer to the general public, nib may (in its absolute discretion) provide this offer after 12 May 2020.

    Eligible members will have waiting periods waived on all Everyday cover benefits (but not any Hospital cover benefits). The waiver will apply automatically. Everyday policy terms will apply, and all claims are subject to benefit limits, in line with your Everyday policy. For the avoidance of doubt, no pre-existing conditions exclusions are waived under any Hospital Policy.

    The offer is not transferable or redeemable for cash. This offer cannot be used in conjunction with any other offers.

    This offer is not available to policy owners and insured persons who have used any nib 'join and claim' promotion in the last 36 months.

    These terms may be updated or modified by us (provided this doesn't prejudice anyone who has already received the offer), and were last updated on 13 February 2020. Any material change will be notified on the website.


    ***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: o Cancer o Cardiovascular conditions and some risk factors o Hip, knee or back o Transplant surgery o 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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