Originally established in the NSW Hunter Region in 1952 for BHP Steelworks employees, nib is now one of Australia’s largest health funds, providing quality cover to countless Australians2.
They are focused on empowering people, and offer health management programs at no additional cost for eligible members. On top of this, they also innovate through digital technology, such as the nib SkinVision and Cardihab, to provide personalised care with a tap of your phone.
As part of their mission to see people enjoy better health3, nib offers various discounts, rewards and member-only benefits. These include:
nib also offer a variety of health insurance policies to ensure that, whatever your needs, you should be able to find a suitable policy within their range. Plans are easy to understand and easy to claim on, and the company prides itself on product innovation, value for money and top-notch customer service.
NIB health insurance offer hospital and extras packages which you can choose from to ‘build your own’ format. While they do provide suggestions on what may work for you depending on your lifestyle, the choice is ultimately in your hands when it comes to starting your quote.
To start, there are five types of hospital cover available through iSelect9:
You can also choose between an excess amount of $250, $500 or $750—although your options may vary between policies.11 A full range of nib hospital cover options are listed on the nib website.
Next are some of the key types of extras cover on offer12. These include:
Contact iSelect for an extensive list of nib Extras packages*.
As with most health insurance providers, nib gives you the option to get either standalone hospital cover or an extras package. Or, if you prefer, you can build a plan that combines both Hospital and Extras cover.
As with all private health insurance providers, receiving the full benefit from your hospital cover with nib health insurance depends on whether you’ve gone to one of the private hospitals that have an agreement with them.
Fortunately, nib health insurance has agreements with most private hospital across Australia so regardless of where you live, its likely you’ll be able to find a hospital close to home.13
nib strives to make it as easy as possible to claim on your nib health cover by providing a number of different claiming methods. Once you’ve received medical treatment or made an eligible purchase, you can make a nib claim in a number of different ways14.
At the counter you may be able to swipe your nib membership card. 20,000 Australian specialist providers provide HICAPS (Health Industry Claims and Payment Service) which allows this type of claim.
You can claim on the go with nib’s smartphone app. Once you’ve downloaded the app, make sure you’re connected to mobile data or WIFI, then take a photo of your receipt and submit the claim, payment will be made to your bank account within five working days. It’s available on iPhone and Android.
Online, you can log into nib online services, fill in details from your receipt, enter your bank details, and receive a transfer of your benefit from nib into your bank account. Ring nib and ask customer service to process a claim, or visit a nib retail centre to make a claim in person.
Finally, if you’d like to claim by post, fill out a claim form, attach your specialist provider’s invoice and post it to nib. nib will fulfil the claim by bank transfer or cheque. When your claim is the result of a hospital visit, the hospital will usually send the bill to nib for you.
nib is extremely flexible when it comes to making payments. You can pay weekly, fortnightly, monthly, quarterly, half-yearly or annually15. These payments can be made via direct debit when you sign up through iSelect.
Make sure you compare policies with us to see if we can help find the cover that’s right for your needs*.
All nib cover information can be found on the nib website.
1 nib - Media Centre: nib, a first-mover in flexible work, finds it is here to stay
2 nib Health Funds - Media Release, 24 February 2006, NIB contribution rate change (Page 2)
3 nib - Careers
4 nib - Member benefits
5 As above.
6 nib - Medical specialists
7 nib - Member Rewards
8 nib - Health Management Programs
9 nib - Hospital Cover | Private hospital cover to suit any budget (Page 1)
10 nib - Your Hospital Cover, Bronze Hospital
11 nib - Hospital Cover | Private hospital cover to suit any budget (Page 1)
12 nib - Extras Cover
13 nib - nib Agreement Hospitals
14 nib - How to make a claim
15 nib - How can I pay my premiums?
Save time and effort by comparing a range of Australia's health funds with iSelect*
WE MAKE HEALTH INSURANCE EASY