• nib Health Fund services over 1 million Australians
• nib offers multiple tiers of Hospital and Extras Cover, depending on what you’re willing to pay
• You can make claims with nib online, in the app, by mail, or in person

nib Health Fund offers multiple tiers of hospital cover and extras cover for their members.

Hospital Cover

There are several different tiers to choose from when selecting hospital cover. The following plans are available in order of least coverage to most coverage.

• Basic Hospital Cover: The basic hospital plan is the cheapest and most popular option from nib. It covers accidental injury, some hospital services, and emergency ambulance cover. There is no annual limit on this plan.
• Basic Hospital Cover: The basic hospital plan is the cheapest and most popular option from nib. It covers accidental injury, some hospital services, and emergency ambulance cover. There is no annual limit on this plan.
• Advantage Hospital Cover: The Advantage plan is one of the most extensive plans nib offers, and covers almost everything except pregnancy. If you want full coverage and don’t plan on having a child, this may be the cover for you.
• Top Hospital Cover: Top hospital cover is the highest tier of cover that nib offers. It will cover virtually everything, including pregnancy and related medical procedures. If you want full protection or are thinking of starting a family, top hospital cover may be worth looking into.

Extras cover

Like hospital cover, there are several different tiers from which to choose from provided by nib Health Fund.

• Core Extras: This tier covers basic extras including optical, ambulance, dental, and physiotherapy. Members receive 60% back on each visit up to their annual limit.
• Core Extras Plus: Core Extras Plus covers the same extras as the previous tier, with members receiving 60% back as well. The only difference is a higher annual limit.
• Core and Wellbeing Extras: Core and Wellbeing extras cover the same procedures and services as the previous two tiers, with some additional features like chiropractic visits and remedial massages. You’d again receive 60% back until you reach the annual limit.
• Top Extras: As the name would suggest, Top Extras covers a wide variety of additional services with the highest annual limit of the four tiers. Those who purchase the Top Extras tier will receive 75% back on visits until they reach the annual limit.

Data collected by the Private Health Insurance Ombudsman provides the following
information about how nib compares to the rest of the private health care industry.

Reference: http://www.ombudsman.gov.au/__data/assets/pdf_file/0027/27495/NIB.pdf

nib offers their members several ways to make claims.

Online Claims

To claim online, all you have to do is take a picture of your receipt and submit it through the nib portal. They’ll transfer the appropriate funds to your bank account from there.

Claiming Through the nib App

The simplest way to make a claim is through the nib app for Android, iPhone, and iPad. You’ll need a receipt for your claim that provides the following information:

• Provider’s name and contact information
• Patient name and address
• Date of the appointment
• Description of service
• Charged Amount

Click the “claim now” button on the app, take a photo of your receipt, and submit your claim. If nib already has your credit details, they’ll pay the benefits into your account within five business days.

Making Claims In-Person

Visit the nearest nib retail centre with a copy of your receipt to receive assistance from the customer support staff.

Claiming by Mail

Print and fill out this nib claim form. Attach the original receipt and mail the letter to nib’s mailing address (listed below).

nib doesn’t offer too much in the way of member benefits, but they provide frequent promotions for requesting a quote and signing up through their online portal.

Current Promotion: $10,000 Holiday Quote Giveaway (Ends 28 June 2018)

New and existing members who request a quote from nib between 1 April and 28 June 2018 will enter into the $10,000 Holiday Giveaway. Existing members must request a new quote or additional coverage to be eligible.