NIB is one of Australia’s fastest growing health funds which supplies affordable health insurance to more than 800,000 people around the country. It was established over 50 years ago and has experienced significant national market growth since 2002. Recently, nib became the first Australian health fund to demutualise and list on the Australia Securities Exchange (ASX). Www.nib.com.au is the official website of nib where you can get detailed information about the products and services that supplied by nib.
Health is more important than any other thing but selecting the right health insurance can be intimidating. Nib offers innovative products and services to meet aspirations of becoming a truly national business. It provides a great value health insurance that is very easy to understand, easy to claim on and easy on the wallet. Main mission of the nib is to help people pay for their healthcare when and where needed. As nib spends with a reputation for innovative products, value for money, corporate social responsibility, outstanding customer service, and strong shareholder returns, it is a leading financier of the nation’s healthcare.
Why choose NIB?
1. They are registered as “Not for Profit” health fund, so they don’t pay any dividends to shareholders.
2. They provide health cover to over 800,000 people.
3. They have 50 years’ experience in providing Private Health Insurance.
4. Just about all of the money, they get from member contributions gets paid back to members, as benefits.
5. They have got a range of well priced health covers to suit where you’re at in life.
6. At the end, they help you to enjoy a healthy life.
Visit official website of nib, www.nib.com.au to get detailed information about all products and services of nib. At the site, people can search all information about health insurance, life insurance, and travel insurance. When visiting site, you can see navigations like health insurance, life insurance, travel insurance, overseas students, why nib, join nib, and existing customers. At the right side top of the page, you can find a search tool from where you can direct search any information about nib.
Nib provides online services to manage your health cover online by registering at the official site of the nib. The ‘join in’ tool at the site helps you to join nib online.
Why to join nib online?
- To view your nib policy and health cover details
- To make claims for a wide range of extra services
- To request a claims statement
- Update your contact details
- To request a Private Health Insurance Statement or Lifetime Health Cover Annual Statement from previous financial years
Health insurance:
If you want to get details about the health insurance products of nib like health insurance for singles, health insurance for couples, health insurance for families and health insurance made for over 55s, then visit ‘health insurance’ navigation of the site.
Life Insurance:
Most of people have some life insurance within their super. From superannuation, the average amount of cover is only about $70,000. You have cover of 10 times of your yearly taxable earnings, according to experts. Nib Value Life Insurance can supply up to $800,000 cover and it is easy and affordable to get life insurance cover from nib. Take a look at ‘life insurance’ tool to get full information related to Nib Value Life Insurance. When taking out life insurance, an important thing to think about is how much cover you really require. To work out the right amount of life insurance that you need, you can use Cover Calculator that provided under the life insurance navigation.
Travel insurance:
Nib can also offer travel insurance to cover you while you’re away. In the travel insurance, it offers 24/7 emergency assistance, overseas medical and dental expenses, some cancellation expenses, additional travel and accommodation expenses, travel delay expenses, personal liability cover, and lost or stolen passports and travel documents. To see all travel insurance products of nib, click on nib travel insurance product at the Travel Insurance page of the site.
Overseas students:
Health insurance is a must for overseas students and nib’s Overseas Student Health Cover (OSHC) is especially designed for students living and studying in Australia. ‘Medicare’ health system of Australia does not cover international students and so you have to depend on private health insurance to reduce the cost of any medical expense or hospital stay.
Nib OSHC helps you pay for things like:
- Ambulance transport
- Theatre fees should you have surgery
- Surgically implanted prostheses
- A stay in any public hospital in Australia
- Medical services required in hospital
- Visits to the doctor (general practitioners or specialists)
- Part of the cost of prescription drugs
- A stay in one of 400 nib Agreement Private Hospitals throughout Australia
How to claim?
Nib offers a range of options to make claim and so you can select any option that is convenient to you.
- Point of service: You can claim by just giving your nib card to your registered service provider after your treatment. They will swipe it through the HICAPS or IBA terminal (like an EFTPOS machine) and it will automatically calculate how much nib will pay for the service, all you do is pay the gap.
- By mail: Complete nib claim form, attach all of your original receipts and mail to nib health funds, Locked Bag 2010, Newcastle NSW 2300.
- Over the phone: To make a claim over the phone for selected extras, call on 13 14 63. To make a phone claim you will need to have your nib card and provider receipt handy.
- Visit to nib Retail Centre: Friendly customer care consultants of nib will talk to you about the most convenient ways for you to claim.
Nib is the first health fund which offer claiming optimized for your mobile. With most smartphones such as Apple, HTC, Nokia, Samsung, etc (phones based on the Apple, Google Android and Windows Mobile operating systems), you can use this service and to access this service, simply point your phones web browser at m.nib.com.au.
Also, you can use your iPhone to make your claim at nib. You can also view and update your policy details and find your nearest nib Retail Centre, Eye Care Centre, Dental Care Centre or nib agreement hospital there.
Nib also accepts scanned and faxed receipts while making an online claim for greater convenience to you. For this service, simply complete your claim online and you will be asked how you would like to submit your receipts to them at the end of the process.
Members must have their membership number, date when the service was provided, details for the provider of the service, name and type of service provided, and cost of the service before making a claim.
Get Quote:
To get a quick quote for your choice of nib health cover, you can use Health Insurance Quote tool which is given at the website. To use this quote, you have to select any health cover option which are provided there, location where you live and your date of birth.
At the website, you can also find some quick links for health insurance like,
- Lifetime Health Cover – Are you 31?
- Medicare Levy Surcharge – Don’t pay extra tax
- Compare and switch to nib health insurance
- Finished Full-time Study?
- Federal Government 30% Rebate
Quick links for customers like,
- HICAPS Claiming Issues
- Things to check before you go to hospital
- Registering Student Dependants
- Find an nib Dental or Eye Care Centre
- Forms and Brochures
Benefits of nib membership:
- Nib provides affordable health insurance cover to more than 800,000 people across the country. Also, nib Private Health Insurance should be easy to understand, easy to claim on and most of all have good value. Cover health insurance that’s right for you at the best possible price.
- Nib has designed their health cover to suit the needs of someone your age, means you’re covered for things you’re more likely to need and not paying for the things you won’t.
- You’ll know exactly which procedures you’re covered for (like tonsils, knee surgery) and those you aren’t covered for (like obesity surgery) when it comes to hospital cover. And of course, accommodation and theatre expenses are paid for any hospital procedure included in your health cover.
- Depending on where you’re at in life, there are features that you’ll want from your health cover, and one’s that you won’t for instance not many 22 year olds need hip replacements. Nib health cover is affordable as they’ve carefully chosen what’s included and excluded for each.
- You get 50%, 65% or 75% of the cost back on Extras like dental and optical every time you claim (until you reach your annual limit) with nib. How much you’ll get back depends on the level of cover you choose. So it doesn’t matter how much your dentist, chiro or physio charges, you’ll get 50%, 65% or 75% of the cost back with nib.
- You’ll get $105 back from nib on nib Top Cover if your dentist charges $140 for a scale and clean. That’s 75% of the cost back to you. It’s that simple. Get more back on the Extras you’ll use with nib.
- If accidents can happen and should you ever require medical assistance, nib will be there to help. With nib private hospital cover, you can access over 400 private hospitals in nib’s Australia wide network for the treatment that you require to get back on your feet.
