Health Insurance

nib United Gold Resident Cover

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

nib health fund logo

nib health fund

nib United Gold Resident Cover

$1,108.23

Pregnancy and birth covered

Joint replacements covered

Weight loss surgery covered

100% back on optical

100% back on general dental

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
$1,108.23
Excess
$0
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
$2,500/person
Root Canal Therapy: 80% back
General Dental
$2,500/person
Periodic Exam: 100% backScale & Clean: 100% backFluoride: 100% back
Major Dental
$2,500/person
Extraction: 80% backFull Crown (Veneered): 80% back
Orthodontic
$2,500/person
Braces (Upper & Lower): 60% back
Optical
$350/person
Single Vision Lenses: 100% backMulti-Focal Lenses: 100% back
Orthoptics
1st visit: 100% backNext visit: 100% back
Acupuncture
Unlimited
1st visit: 100% backNext visit: 100% back
Chinese Herbal Medicine
1st visit: 100% backNext visit: 100% back
Chiropractic
1st visit: 100% backNext visit: 100% back
Exercise Physiology
1st visit: 100% backNext visit: 100% back
Occupational Therapy
1st visit: 100% backNext visit: 100% back
Osteopathy
1st visit: 100% backNext visit: 100% back
Physiotherapy
1st visit: 100% backNext visit: 100% back
Psychology
Unlimited
1st visit: 100% backNext visit: 100% back
Remedial Massage
1st visit: 100% backNext visit: 100% back
Speech Therapy
1st visit: 100% backNext visit: 100% back
Antenatal/Postnatal
Unlimited
1st visit: 100% backNext visit: 100% back
Dietetics
Unlimited
1st visit: 100% backNext visit: 100% back
Hearing Aids
$5,000/person
Hearing Aid: 100% back
Home Nursing
Unlimited
1st visit: 100% backNext visit: 100% back
Orthotics
$5,000/person
Orthotics: 100% back
Podiatry
Unlimited
1st visit: 100% backNext visit: 100% back
Audiology
-
Glucose Monitor
$5,000/person
Glucose Monitor: 100% back
Health Management
$250/person
Health Management: 100% back
Non-PBS Pharmaceuticals
Unlimited
Prescription: 100% back
Vaccinations
-
nib health fund logo

nib health fund

nib United Gold Resident Cover

$1,108.23

Pregnancy and birth covered

Joint replacements covered

Weight loss surgery covered

100% back on optical

100% back on general dental

Excess

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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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