For extras benefits, you can claim by swiping your nib card at your service provider, or by using your digital nib card. (This will only work if the provider had a HICAPS machine though).
Alternatively, you can claim through the nib app or online. Just make sure to keep your receipt.
For hospital benefits, you might not receive a bill. But, if you do, there are a couple of options:
Complete a Medicare two-way claim form and a Medicare claim form, attach the specialist invoice indicating whether it is paid or unpaid, and submit the claim to Medicare. Medicare will pay 75% of the Medicare Benefit Schedule fee and progress the claim to nib, who will then pay 25% of the MBS fee. Any remaining costs will then need to be paid by you.
If you've already submitted your medical claims to Medicare, complete a nib claim form with a Medicare Statement of Benefits and any receipts or invoices as a claim in your member account.
If you need help with the process, you can call nib on 1800 098 783.
(OSHC and OVHC members should send all bills directly to nib).
Complaints info
nib had a sub-standard complaints record according to data from the 2023 State of the Health Funds Report. nib had a market share of 9.6% but accounted for 10.1% of complaints received by the Commonwealth Ombudsman.
Finalist for Health Insurance - Basic Hospital
FAQs
Yes. nib is an Australian healthcare fund and was previously called Newcastle Industrial Benefits.
nib has a good range of policies at competitive prices.
As with all health funds, you'll need to buy a gold hospital policy to be covered for pregnancy. nib's gold policy is reasonably priced, but isn't among the cheapest available.
Nicola Middlemiss is a contributing writer at Finder, with a special interest in personal finance and insurance. Formerly a business and finance journalist, Nicola has written thousands of articles helping Australians better understand insurance and grow their personal wealth. She has contributed to a wide range of publications, including Domain, the Educator, Financy, Fundraising and Philanthropy, Insurance Business, MoneyMag, Mortgage Professional, Yahoo Finance, Your Investment Property, and Wealth Professional. Nicola has a Tier 1 General Insurance (General Advice) certification and a Bachelor's degree from the University of Leeds. See full bio
Nicola's expertise
Nicola has written 237 Finder guides across topics including:
Personal finance
Personal insurance, including car, health, home, life, pet and travel insurance
See if nib's extras only plans provide what you need.
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Depending on your age, you may be eligible for an
aged-based discount. This is used to estimate your
rebate.
Under 65
65 - 69
70 or older
What's your household's taxable income?
This is the combined income you and your spouse earn before tax. It's needed to calculate the correct Australian government rebate.
$93,000 and under
$93,001 to $108,000
$108,001 to $144,000
$144,001 and over
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Combined (Extras + Hospitals)
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Hospital
What level of hospital coverage would you like?
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Restricted cover, You may be partially covered for
this category.
Not covered. Optional for insurer to include.
*Prices updated March 2024, in line with Finder's
database of health insurance policies. Prices are based
on a single individual with less than $93,000 income and
living in Sydney with a $750 excess.
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Select as many as you want or move to the next step
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