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Family health insurance

Cover for single or two parent families, whether you’ve got little ones, all-grown-up ones, or more on the way.

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Here’s some great reasons to choose nib for your family

One price to cover all

Whether you have one child or five, the cost of your cover won’t change. Plus, kids are covered up to age 25 (if unmarried and in full-time study).

100% back*

No gap on dental check-ups, selected glasses and contact lenses as well as other great discounts at nib Dental and Eye Care Centres.

*Terms and conditions apply.
Find out more

Minimise out of pockets

Our healthcare networks help you get the best value from your cover and lower out of pocket costs.

Your cover at your fingertips

Manage your policy wherever you are with your member account and the nib App. Snap a photo of your receipt to claim, check your benefits on the go, and more!

Make tax savings

Having health cover could mean you save on tax if the two of you have a combined taxable income of over $180,000.

Why it's worth being with nib

When you join you get more than just great health cover. See all the great member benefits for you and your family.

One price to cover all

Whether you have one child or five, the cost of your cover won’t change. Plus, kids are covered up to age 25 (if unmarried and in full-time study).

100% back*

No gap on dental check-ups, selected glasses and contact lenses as well as other great discounts at nib Dental and Eye Care Centres.

*Terms and conditions apply.
Find out more

Minimise out of pockets

Our healthcare networks help you get the best value from your cover and lower out of pocket costs.

Your cover at your fingertips

Manage your policy wherever you are with your member account and the nib App. Snap a photo of your receipt to claim, check your benefits on the go, and more!

Make tax savings

Having health cover could mean you save on tax if the two of you have a combined taxable income of over $180,000.

Why it's worth being with nib

When you join you get more than just great health cover. See all the great member benefits for you and your family.

Family cover options

Our health cover is flexible, so you can choose the combination of Hospital and Extras that fits your family.

Hospital

Cover if a family member is admitted to hospital. On most of our family covers, you won’t need to pay excess for kids under 21.

All our Hospital products come with accidental injury and emergency ambulance cover, and have no annual limits.

Basic Essential Hospital Plus

Protect your family with basic cover that includes some specific hospital services.

  • Dental surgery
  • Gastrointestinal endoscopy
  • Gynaecology
  • Tonsils, adenoids and grommets
  • Joint reconstructions

Bronze Hospital Plus

Affordable hospital cover for the whole family that includes a wider range of procedures.

  • Dental surgery
  • Gastrointestinal endoscopy
  • Bone, joint and muscle
  • Ear, nose and throat
  • Tonsils, adenoids and grommets
  • Kidney and bladder
  • Lung and chest

Silver Hospital

Comprehensive cover, without paying for costly age-related services that your family might not need.

  • Dental surgery
  • Gastrointestinal endoscopy
  • Bone, joint and muscle
  • Ear, nose and throat
  • Tonsils, adenoids and grommets
  • Kidney and bladder
  • Lung and chest
  • Back, neck and spine
  • Heart and vascular system

Silver Advantage Hospital Plus

High level cover, without pregnancy, weight loss surgery and other services.

  • Dental surgery
  • Gastrointestinal endoscopy
  • Bone, joint and muscle
  • Ear, nose and throat
  • Tonsils, adenoids and grommets
  • Kidney and bladder
  • Lung and chest
  • Back, neck and spine
  • Heart and vascular system
  • Rehabilitation
  • Cataracts
  • Joint replacements

Gold Top Hospital

Fully comprehensive cover for total peace of mind that your family’s health is protected.

  • Dental surgery
  • Gastrointestinal endoscopy
  • Bone, joint and muscle
  • Ear, nose and throat
  • Tonsils, adenoids and grommets
  • Kidney and bladder
  • Lung and chest
  • Back, neck and spine
  • Heart and vascular system
  • Rehabilitation
  • Cataracts
  • Joint replacements
  • Hospital psychiatric services
  • Weight loss surgery
  • Pregnancy and birth

Basic Essential Hospital Plus

Protect your family with basic cover that includes some specific hospital services.

  • Dental surgery
  • Gastrointestinal endoscopy
  • Gynaecology
  • Tonsils, adenoids and grommets
  • Joint reconstructions

Bronze Hospital Plus

Affordable hospital cover for the whole family that includes a wider range of procedures.

  • Dental surgery
  • Gastrointestinal endoscopy
  • Bone, joint and muscle
  • Ear, nose and throat
  • Tonsils, adenoids and grommets
  • Kidney and bladder
  • Lung and chest

Silver Hospital

Comprehensive cover, without paying for costly age-related services that your family might not need.

  • Dental surgery
  • Gastrointestinal endoscopy
  • Bone, joint and muscle
  • Ear, nose and throat
  • Tonsils, adenoids and grommets
  • Kidney and bladder
  • Lung and chest
  • Back, neck and spine
  • Heart and vascular system

Silver Advantage Hospital Plus

High level cover, without pregnancy, weight loss surgery and other services.

  • Dental surgery
  • Gastrointestinal endoscopy
  • Bone, joint and muscle
  • Ear, nose and throat
  • Tonsils, adenoids and grommets
  • Kidney and bladder
  • Lung and chest
  • Back, neck and spine
  • Heart and vascular system
  • Rehabilitation
  • Cataracts
  • Joint replacements

Gold Top Hospital

Fully comprehensive cover for total peace of mind that your family’s health is protected.

  • Dental surgery
  • Gastrointestinal endoscopy
  • Bone, joint and muscle
  • Ear, nose and throat
  • Tonsils, adenoids and grommets
  • Kidney and bladder
  • Lung and chest
  • Back, neck and spine
  • Heart and vascular system
  • Rehabilitation
  • Cataracts
  • Joint replacements
  • Hospital psychiatric services
  • Weight loss surgery
  • Pregnancy and birth

Understanding family health cover

How to save money on your health cover

Your health is one of the most valuable assets you’ll ever have. Getting private health…

Read more 3 minute read

Basic or Gold: what you get regardless of tier

Hospital covers are categorised into four tiers: Gold, Silver, Bronze and Basic, making it…

Read more 3 minute read

How much is an emergency ambulance in my state?

If you’re in an emergency situation with an ambulance on the way, you might be in for…

Read more 3 minute read

How to save money on your health cover

Your health is one of the most valuable assets you’ll ever have. Getting private health…

Read more 3 minute read

Basic or Gold: what you get regardless of tier

Hospital covers are categorised into four tiers: Gold, Silver, Bronze and Basic, making it…

Read more 3 minute read

How much is an emergency ambulance in my state?

If you’re in an emergency situation with an ambulance on the way, you might be in for…

Read more 3 minute read

Every family is different, so choose the right mix of Hospital and Extras cover that meets the needs of yours.