If you claim chiropractic every year
Core, Family and Wellbeing Extras has a $300 chiropractic limit that it shares with osteopathy. Check the extras benefits for shared pools and claim conditions.
nib health insurance
Is it a good health insurer?
nib has 11 hospital and 21 extras policies in our comparison, from $91.31 a month for hospital cover (Single · NSW · $500 hospital excess, after rebate).
Issued by nib Health Funds Ltd. Hospital, extras or both.
Explore 11 hospital and 21 extras products, or find cover by treatment. Sources for nib
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.
nib cover: the main choices.
See the benefit differences
For gastrointestinal endoscopy
Basic Care Hospital Plus covers gastrointestinal endoscopy. Check the hospital cover for exclusions and restricted benefits before choosing.
For a choice of preferred providers
nib has preferred-provider networks across 5 service types. Use the provider search to confirm whether your provider participates.
nib policies and example prices.
The profile you choose updates the nib 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 a nib price for your circumstances? Compare nib with cover across all Australian health funds.
Compare my optionsHospital cover
11 product lines
$35.66 more per month for Silver Hospital versus Bronze Hospital Plus after rebate for the selected example profile.
Back, neck and spine is an additional inclusion, not the complete list of differences.
Extras cover
21 product lines
nib joining offer
Skip the 2 and 6 month extras waits
For new members joining combined hospital and extras cover.
Available to new members aged 18 or over with Australian residency.
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.
nib eligibility and offer terms
Available through nib's website or call centre. Do not assume this offer applies when joining through another comparison service. Eligibility and other conditions apply.
Basic Kickstarter is not eligible.
The waiver applies from the policy start date, for claims made once the first premium has been paid.
Current nib-group members and people who cancelled nib-group cover in the 6 months before or during the offer period are excluded.
What does nib hospital insurance cover?
2 nib hospital policies fully cover cataracts
Single · NSW · $500 hospital excess. Only policies that fully include cataracts are shown. How we read hospital categories
Compare selected treatment categories across all 11 hospital policies
Selected nib treatment categories.
More premium does not mean more back on everything.
nib extras limits per 12 months unless the statement says otherwise
Single-policy examples. Each links to its policy statement.
Premium Extras → Top Extras
The optical limits move from $300 to $350 for the Single-policy examples. Top Extras raises the shared physio limit from $500 to $600.
Top Extras: higher benefit examples
The optical examples move from 65% on Premium Extras to 75%, with a $350 optical limit and $600 shared physio limit for the Single-policy example.Weigh those increases against the premium.
Why nib's shared limits and waiting periods matter
Every optical benefit shown has a standard waiting period of 6 months.
nib vs. Peoplecare vs. GMHBA
How nib compares with similar hospital policies.
These are selected Silver Plus examples from Peoplecare and GMHBA, not identical policies or a search for the cheapest cover across the market.
Comparing nib Silver Secure Hospital Plus with Peoplecare Silver Plus Essentials Hospital and GMHBA Silver Plus Hospital. Single · NSW · $500 hospital excess · Silver Plus hospital cover
nib and selected alternatives: monthly prices and verified coverage differences.
What the differences mean for you
All 38 treatment categories have the same status for these policies. That does not mean the policies have identical terms or out-of-pocket costs.
These alternatives match nib Silver Secure Hospital Plus on tier, cataracts and joint replacements. How we choose alternatives
Compare all 38 hospital treatment categories
nib and the alternatives: all 38 treatment categories, policy information as at 26 October 2026.
Compare nib with cover from every Australian health fund.
nib against the industry.
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 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
App Store
4.7 / 5
58,812 App Store ratingsnib app · N I B Health Funds Ltd
Snapshot: 22 October 2026. This rates the nib app on the Australian App Store, not nib's cover or claims.
Google Play
4.5 / 5
About 13,700 Google Play reviewsnib app · nib Health
Snapshot: 22 October 2026. This rates the nib app on Google Play, not nib's cover or claims.
Check the practical details.
Check your provider
Confirm that nib recognises your provider. Ask for a treatment plan and item numbers so nib can estimate your benefits and out-of-pocket costs.
Make or track a claim
Use nib's health claims guidance and member login for receipts, claim tracking and remaining benefits.
Contact nib
For quotes, sales and customer service, call 13 16 42. Monday to Friday, 8am to 6pm (AEST/AEDT). Closed weekends and NSW public holidays.Contact details checked 22 October 2026.Official contact details and messaging options
Before you choose nib.
What is the cheapest nib hospital policy?
Basic Accident Hospital is the cheapest nib hospital policy for a single person in NSW with a $500 hospital excess, at $91.31 a month after the 24.118% government rebate for adults under 65 (prices effective 9 September 2026). This compares all 11 nib hospital policies, not the whole market. Check what it excludes before choosing on price.
Source: How we compare prices, checked 26 October 2026.
What would I gain by upgrading to Silver Hospital?
nib Silver Hospital adds full cover for heart and vascular system, implantation of hearing devices and 4 more categories compared with Bronze Hospital Plus. For the Single / NSW / $500 excess example it costs $35.66 more a month, so check what each policy covers before you upgrade.
Source: Private Health Information Statements, checked 26 October 2026.
Sources for nib.
Policy information retrieved 26 October 2026. Prices effective 9 September 2026.
Private Health Information Statements · nib · 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
App Store listing for nib · N I B Health Funds Ltd · checked 22 October 2026
Google Play listing for nib · nib Health · checked 22 October 2026
Official contact details · nib · checked 22 October 2026
Offer terms · nib · checked 26 October 2026
All policies by cover type
Hospital (12)
- Basic Accident Hospital
- Basic Care Hospital Plus
- Basic Essential Hospital Plus
- Bronze Hospital
- Bronze Hospital Plus
- Bronze Protect Hospital Plus
- Mid Hospital - Silver Plus
- Mid Hospital - Silver Plus Nil Excess
- Silver Advantage Hospital Plus
- Silver Hospital
- Silver Secure Hospital Plus
- Silver Select Hospital Plus
Extras (21)
- Advantage Extras
- Basic Extras
- Core Boost and Family Extras
- Core Boost and Wellbeing Extras
- Core Boost and Young at Heart Extras
- Core Boost, Family and Wellbeing Extras
- Core Boost, Family and Young at Heart Extras
- Core Boost, Wellbeing and Young at Heart Extras
- Core Extras
- Core Extras Boost
- Core and Family Extras
- Core and Wellbeing Extras
Hospital and extras (2)
Ambulance (1)
I need cover for...