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
Sign-up deals with nib Health Insurance for April 2025
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.
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All user-submitted reviews must meet our review guidelines. These set out our standards and expectations, including that the review is from by a genuine user of the relevant product or service and that it is honest, authentic and respectful. We explicitly prohibit fake or otherwise misleading reviews and we check all submissions, but we make no guarantee as to the authenticity of any published review or reviewer. Some reviews may be submitted (regardless of sentiment) in exchange for entry into any competition(s) for which we are the promoter.
Nicola Middlemiss is a journalist with nearly a decade of experience in personal finance and insurance. She has contributed to Domain, Yahoo Finance, Money Magazine and Insurance Business Australia, offering in-depth insights into commercial insurance in the Australian market. Nicola holds a Bachelor’s degree in English from the University of Leeds and a Tier 1 General Insurance (General Advice) certification, which complies with ASIC standards. See full bio
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Nicola has written 243 Finder guides across topics including:
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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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