Health Insurance

Premier - Gold

Compare 285 nib health fund policies. Prices shown for: Single, NSW, Age 30, $500 excess.

nib health fund logo

nib health fund

Premier - Gold

$859.46

Pregnancy and birth covered

Joint replacements covered

Weight loss surgery covered

85% back on optical

85% back on physiotherapy

Excess

Why this cover

Member guide

Hospital Cover
  • Heart & Vascular
  • Brain & Nervous System
  • Eye (Not Cataracts)
  • Cataracts
Extras Cover
  • Dental
  • Optical
  • Physiotherapy
  • Chiropractic
Pricing & Value
Monthly premium from
$819.86
Excess
$1,000 – $1,500
Hospital tier
Gold
Average Service Record1.16× average complaint rate · July–September 2025Source: Private Health Insurance Ombudsman (PHIO) Quarterly Report, July–September 2025

Inclusions

Waiting periods recognised

Change your mind within 30 days

We do all the paperwork for you

Hospital Cover

38 covered0 not covered
CoveredRestrictedNot Covered
Heart & Vascular
Brain & Nervous System
Eye (Not Cataracts)
Cataracts
Ear, Nose & Throat
Back, Neck & Spine

Extras Cover

25 covered2 not covered
Endodontic
$1,300/person1 yr
Root Canal Therapy: 85% back
General Dental
$700/person2 mo
Periodic Exam: 85% backScale & Clean: 85% backFluoride: 85% back
Major Dental
$1,300/person1 yr
Extraction: 85% backFull Crown (Veneered): 85% back
Orthodontic
$500/person1 yr
Braces (Upper & Lower): 85% back
Optical
$400/person6 mo
Single Vision Lenses: 85% backMulti-Focal Lenses: 85% back
Orthoptics
$450/person2 mo
1st visit: 85% backNext visit: 85% back
Acupuncture
$300/person2 mo
1st visit: 85% backNext visit: 85% back
Chinese Herbal Medicine
$300/person2 mo
1st visit: 85% backNext visit: 85% back
Chiropractic
$650/person2 mo
1st visit: 85% backNext visit: 85% back
Exercise Physiology
$650/person2 mo
1st visit: 85% backNext visit: 85% back
Occupational Therapy
$450/person2 mo
1st visit: 85% backNext visit: 85% back
Osteopathy
$650/person2 mo
1st visit: 85% backNext visit: 85% back
Physiotherapy
$650/person2 mo
1st visit: 85% backNext visit: 85% back
Psychology
$300/person2 mo
1st visit: 85% backNext visit: 85% back
Remedial Massage
$300/person2 mo
1st visit: 85% backNext visit: 85% back
Speech Therapy
$450/person2 mo
1st visit: 85% backNext visit: 85% back
Antenatal/Postnatal
$450/person2 mo
1st visit: 85% backNext visit: 85% back
Dietetics
$450/person2 mo
1st visit: 85% backNext visit: 85% back
Hearing Aids
$800/person36 mo
Hearing Aid: 85% back
Home Nursing
$450/person2 mo
1st visit: 85% backNext visit: 85% back
Orthotics
$800/person2 mo
Orthotics: 85% back
Podiatry
$450/person2 mo
1st visit: 85% backNext visit: 85% back
Audiology
-
Glucose Monitor
$800/person1 yr
Glucose Monitor: 85% back
Health Management
$250/person6 mo
Health Management: 85% back
Non-PBS Pharmaceuticals
$500/person2 mo
Prescription: 85% back
Vaccinations
-
nib health fund logo

nib health fund

Premier - Gold

$859.46

Pregnancy and birth covered

Joint replacements covered

Weight loss surgery covered

85% back on optical

85% back on physiotherapy

Excess

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The information on this page is general in nature and is not intended as financial advice, insurance advice, or a recommendation for any particular policy. All pricing shown is indicative only. Please verify all information directly with insurers and consider seeking professional advice for your specific circumstances.

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General information only, based on public sources and your inputs. May not be complete, current or apply in all jurisdictions. Not financial, insurance or health advice. Results are based on limited information and are not a recommendation or endorsement of any policy or provider. We accept no liability for reliance on this information or the results. Verify with providers and consider professional advice.

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