If you claim speech therapy every year
Everyday Advanced Extras has a $250 speech therapy limit. Check the extras benefits for shared pools and claim conditions.
ING health insurance
Is it a good health insurer?
ING has 5 hospital and 4 extras policies in our comparison, from $101.68 a month for hospital cover (Single · NSW · $500 hospital excess, after rebate).
Issued by nib Health Funds Ltd. Hospital, extras or both.
Explore 5 hospital and 4 extras products, or find cover by treatment. Sources for ING
Reviewed, Edited and Designed by
Grace Connolly
Created with AI assistance
Page updated 26 October 2026 · Prices effective 9 September 2026
I need cover for…
Compare cover across all Australian health funds.
ING cover: the main choices.
See the benefit differences
For sleep studies
Silver Plus Hospital does not fully cover sleep studies. Check the hospital cover for exclusions and restricted benefits before choosing.
Compare the cover, not just the premium
Compare Silver Plus Hospital with HCF and Phoenix Health before choosing on price. Their cover differs for insulin pumps.
ING policies and example prices.
The profile you choose updates the ING price tables, hospital shortlist and alternative-policy comparison below.
Single · NSW · $500 hospital excess · example premiums after rebate.
Monthly examples include the 24.118% government rebate, the maximum for adults under 65. Your rebate and final quote may differ.
Need an ING price for your circumstances? Compare ING with cover across all Australian health funds.
Compare my optionsHospital cover
5 product lines
ING sells Gold Hospital only with an ING extras policy.
$53.71 more per month for Silver Plus Hospital versus Silver Hospital after rebate for the selected example profile.
Cataracts is an additional inclusion, not the complete list of differences.
Extras cover
4 product lines
ING joining offer
Get six weeks free plus skip the 2 and 6 month extras waits
Join an ING Health Insurance combined hospital and extras product by 30 November 2026. The six weeks are a premium credit that nib applies after you join, on a date that depends on the month you join. October joiners get it on 16 December. November joiners get it on 27 January 2027. The 2 and 6 month waiting periods on extras are waived from the policy start date.
For people aged 18 or over who are Australian citizens, permanent residents or have full reciprocal Medicare rights.
Ends 30 November 2026
Offer termsOffer information checked: 26 October 2026. Prices, benefits and promotions can change. Before applying, check the insurer's official website for current availability, eligibility requirements, expiry dates and full terms. Read our Terms of Use. Report an error to info@healthinsurance.au.
ING eligibility and offer terms
Join through ING's website or call centre. Do not assume this offer applies when joining through another comparison service. Eligibility and other conditions apply.
Join an ING combined hospital and extras product by 11:59pm AET on 30 November.
The six weeks are a 42-day premium credit. Keep the policy until the credit is applied, or the offer is forfeited. October joiners get the credit on 16 December. November joiners get it on 27 January 2027.
The waiver covers extras services that normally have a 2 or 6 month wait. It applies from the policy start date.
Current nib-group members, including current ING Health Insurance members, and people who cancelled nib-group cover in the 6 months before or during the offer period are excluded.
Joiners must be registered for Medicare and listed on an active Medicare card. The policy must have a valid email address. ING and nib employees are excluded.
The offer cannot be combined with any other offer unless stated. There is one offer per policy. nib may amend or withdraw it, substituting an offer of equal or greater value.
Related insurer
Also considering nib?
ING and nib-branded health cover share an issuer, but their policy benefits, prices and joining offers can differ.
A nib-branded policy is not an ING policy. Check the exact product and terms before joining.
Explore nib-branded coverWhat does ING hospital insurance cover?
2 ING hospital policies fully cover cataracts
Single · NSW · $500 hospital excess. Only policies that fully include cataracts are shown. Gold Hospital is sold only with an ING extras policy, so its hospital price is not the whole cost. How we read hospital categories
Compare selected treatment categories across all 5 hospital policies
Selected ING treatment categories.
More premium does not mean more back on everything.
ING extras limits per 12 months unless the statement says otherwise
Single-policy examples. Each links to its policy statement.
Everyday Extras → Everyday Advanced Extras
Both single-policy examples have a $250 optical limit. But Everyday Advanced Extras raises the physio limit from $300 to $350. It also raises the major dental limit from $600 to $700.The reason to upgrade is the wider benefits you need, not an assumption that every cap rises.
Premium Extras: higher benefit examples
The optical examples move from 60% on Essential Extras to 75%, with a $300 optical limit and $500 physio limit for the Single-policy example.Weigh those increases against the premium.
Why ING's shared limits and waiting periods matter
Every optical benefit shown has a standard waiting period of 6 months.
ING vs. HCF vs. Phoenix Health
How ING compares with similar hospital policies.
These are selected Silver Plus examples from HCF and Phoenix Health, not identical policies or a search for the cheapest cover across the market.
Comparing ING Silver Plus Hospital with HCF Hospital Silver Plus and Phoenix Health Silver Plus Advantage Hospital. Single · NSW · $500 hospital excess · Silver Plus hospital cover
ING and selected alternatives: monthly prices and verified coverage differences.
What the differences mean for you
Both alternatives have lower example premiums for this profile. That does not make their cover identical. A lower premium can come with different treatment benefits. Check whether these differences matter for the cover you need.
Insulin pumps: included with Phoenix Health; not included with ING and HCF.
Pain management with a device: included with HCF and Phoenix Health; not included with ING.
Sleep studies: included with HCF; not included with ING and Phoenix Health.
These alternatives match ING Silver Plus Hospital on tier, cataracts and joint replacements. How we choose alternatives
Compare all 38 hospital treatment categories
ING and the alternatives: all 38 treatment categories, policy information as at 26 October 2026.
Compare ING with cover from every Australian health fund.
ING against the industry.
These figures describe nib Health Funds Ltd, which issues ING health cover, not ING customers alone.
nib members had no gap on 88.8% of in-hospital medical services in the 2024-25 financial year, against 87.1% across the industry. State of the Health Funds Report 2024-25 · accessed 26 October 2026
nib paid 58% of members' extras (general treatment) charges in the 2024-25 financial year, against 50.7% across the industry. State of the Health Funds Report 2024-25 · accessed 26 October 2026
nib increased premiums by an average of 5.47% in 2026, against 4.41% across the industry. Government premium-increase figures · accessed 23 October 2026
ProductReview
1.8 / 5
801 ProductReview reviews
Voluntary customer reviews · nib
Snapshot: 26 October 2026. This is nib's listing, not an ING-only rating or a representative survey.
Complaint share is close to market share, but investigated complaints are lower
Share of all complaints, 2024-259.6%
Market share, 30 June 20259.8%
0%12%
State of the Health Funds Report 2024-25 · checked 26 October 2026
nib's share of complaints the Ombudsman received in 2024-25 is close to its market share at 30 June 2025. Its share of complaints the Ombudsman investigated that year is 6.4%, below its market share.
Latest quarter, January to March 2026. The Ombudsman referred 70 complaints about nib Health Funds Ltd to it to resolve, 10.5% of those it referred about all insurers. It also investigated 1 complaint about nib Health Funds Ltd, 33.3% of those it investigated about all insurers. Ombudsman Quarterly Update · checked 26 October 2026
Check the practical details.
Check your provider
Confirm that ING recognises your provider. Ask for a treatment plan and item numbers so ING can estimate your benefits and out-of-pocket costs.
Make or track a claim
Use ING's health claims guidance and member login for receipts, claim tracking and remaining benefits.
Contact ING
For sales and service, call 1800 111 831. Monday to Friday, 8am to 6pm AEST/AEDT.Contact details checked 22 October 2026.Official contact details and messaging options
Before you choose ING.
Who provides ING health insurance?
ING health insurance is issued by nib Health Funds Ltd. An ING policy is not necessarily identical to a policy sold under another nib brand, so compare the actual policy terms and price.
Source: Government insurer profile, checked 23 October 2026.
What is the cheapest ING hospital policy?
Basic Plus Hospital is the cheapest ING hospital policy for a single person in NSW with a $500 hospital excess, at $101.68 a month after the 24.118% government rebate for adults under 65 (prices effective 9 September 2026). This compares all 5 ING hospital policies, not the whole market. Check what it excludes before choosing on price.
Source: How we compare prices, checked 26 October 2026.
What changes if I move from Bronze Plus Hospital to Silver Hospital?
ING Silver Hospital adds full cover for heart and vascular system, implantation of hearing devices and 4 more categories compared with Bronze Plus Hospital. For the Single / NSW / $500 excess example it costs $38.29 more a month, so check what each policy covers before you upgrade.
Source: Private Health Information Statements, checked 26 October 2026.
Sources for ING.
Policy information retrieved 26 October 2026. Prices effective 9 September 2026.
Private Health Information Statements · ING · checked 26 October 2026
State of the Health Funds Report 2024-25 · nib · checked 26 October 2026
Government insurer profile · nib · checked 23 October 2026
Government premium-increase figures · nib · checked 23 October 2026
Government rebate rates and eligibility · Australian Government · checked 26 October 2026
ProductReview listing · nib · checked 26 October 2026
Official contact details · ING · checked 22 October 2026
Offer terms · ING · checked 26 October 2026
I need cover for...