Nib insurance health

Your health insurance can be a valuable tool in managing your health and accessing quality healthcare services. But getting the most out of your cover means going beyond paying your premiums and lodging claims.At nib, we know that every healthcare dollar counts and we’re passionate about helping you get the most bang for your buck, no matter what type of cover you have. From paying less on your premiums to accessing free health tools and saving money on groceries, find out how to maximise your health insurance benefits at every stage of life.Make sure you’re taking advantage of health insurance discountsWho doesn’t love the feeling of scoring a great deal? We offer a range of discounts on our premiums, so you can get more for even less.Save 4% on your premiums simply by paying by direct debit from your bank account. You can change the way you pay easily through your member account or the nib App. Find out how to unlock your 4% direct debit discount.If you’re aged between 18 and 29, you can receive a discount of up to 10% on private hospital cover, known as the age-based discount1. As long as you remain on eligible hospital cover, you’ll keep this discount until you turn 41. So if you’re under 30 right now, don’t sleep on this great discount.Get 10% off 2 an nib Travel insurance plan and protect your wellbeing while you’re away. Going on an adventure? Make sure your travel insurance will keep you protected.Before you keep reading for ways to save and make the most of your health insurance, ensure you’re familiar with some commonly used health insurance terms.Reduce your out-of-pocket expensesNow you’re paying less on your premiums, find out where you can save on healthcare appointments and out of pocket expenses. Through our nationwide nib First Choice network3, you have access to thousands of leading healthcare professionals who provide agreed rates and other offers for nib members.This means that dentists, physios and optical providers in the First Choice network generally charge fees lower than what they might charge other private health insurance patients, while still maintaining the same quality of care.Want to eliminate out of pocket expenses altogether? Eligible members can access No Gap offers on dental, physio and optical services. This means more money back in your pocket while still getting the essential health services you need.Get 100% back on preventative dental check-ups with participating dentists. Visit the No Gap dental page for a full list of inclusions4.Visit an nib First Choice physio provider and get 100% back on your initial consultation5.Through our partnerships with well-known optical brands, you can get access exclusive No Gap and discounted optical packages6.Read more about how the nib First Choice network can save you money or find a provider near you.How can I reduce my hospital expenses?We also have special agreements with many hospitals and providers to help you pay less out of pocket for certain procedures. These include:No Gap7 hip and knee replacements with an orthopaedic

Premium isn't reached. If the policy renews, the price may exceed the price paid for the previous policy. Premiums are subject to change. You will be responsible for all applicable GST and other statutory charges. DISCOUNTS: All discounts are applied before government charges, taxes, levies and fees, including instalment processing fees (as applicable). The full extent of all discounts may therefore be impacted. All rights are reserved to change any of the discount offers at any time. Online discounts below apply to the first year's premium paid for a new ING Insurance policy purchased online for approved applicants only. Online discounts do not apply to any renewal offer of insurance. ING Home and Contents Insurance: 30% discount on combined Home & Contents Insurance, 15% for Home only or Contents only Insurance policies. ING Car Insurance: 15% discount on Comprehensive, Third Party Property Only and Third Party Property, Fire & Theft Car Insurance policies. ING Motorcycle Insurance: 15% discount on Comprehensive, Third Party Property Only and Third Party Property Fire & Theft Motorcycle Insurance policies. ING Pet Insurance: 15% discount on a Pet Insurance policy. Health Insurance 4% Direct Debit discount: Set up a direct debit from your bank, building society or credit union cheque or savings account for a discount of 4% off your premiums when you pay by direct debit. You can change or update your direct debit details by logging in to member services, going to 'My Policy' and selecting 'Payments'. Recognised providers: A recognised provider is someone who provides a health service, like a dentist, optometrist, remedial massage therapist or physiotherapist who meet the following criteria: (i) They must work in a private practice; and (ii) They must have professional qualifications recognised by our partner nib. Re-serving waiting periods when switching: Applies only where there is a break in cover of 59 days or less. Waiting periods will apply for services not currently covered, services with higher benefits or where waiting periods haven't been fully served. Where the excess on the new product is lower than the excess on the previous cover, the excess on the previous cover will apply until the unexpired waiting period has been served. ING Health Insurance is issued by nib health funds limited ABN 83 000 124 381 (nib), a registered private health insurer, and is marketed by ING Bank (Australia) Limited (ABN 24 000 893 292) (ING). ING is an authorised agent of nib and receives commission from nib. An ING Health Insurance policy issued does not represent a deposit with or liability of, and is not guaranteed or otherwise supported by, ING or its related bodies corporate. The information contained in this website has been prepared by ING. This information

Discounts when you shop at our retail partners.See the latest blockbuster with exclusive deals on movie tickets and other entertainment.Fuel your body with a range of offers for restaurants, cafes, food delivery and groceries.Save on gym visits and get great deals on running gear and active wear to help you look the part.Log into the Rewards section of your member account, or the nib App, for big discounts on activewear or fitness trackers and wearables. You’ll also find discounts on eGift cards for supermarkets, so you can save as you load up your basket with fresh, healthy foods.Feel confident going to hospitalA hospital stay can feel daunting but you don’t have to figure it all out on your own. Our Going to Hospital tool empowers you to feel more confident about the experience, from finding a specialist and choosing the right hospital, to learning the best questions to ask your specialist.We also help reduce or eliminate your ‘gap’ through our MediGap network. When our network of doctors, anaesthetists and specialists choose to participate in MediGap, they agree to charge either a No Gap or a Known Gap of up to $500, helping to reduce your out of pocket expenses and giving you more cost certainty.7 Going to hospital? Here’s why you should contact nib first.Know you’re covered in an emergencyWhile you can’t exactly plan for an accident or emergency, nib helps you feel prepared with Accidental Injury Benefit. If you have an accident and present for treatment within 72 hours, you’ll receive benefits in line with our top hospital cover for the following 90 days10.If your state government doesn’t cover ambulance services, nib has you covered with unlimited emergency ambulance11 trips, no matter which Hospital or Extras cover you choose. Ambulance costs can add up fast, our members saw an average claim of $1,000 in 202312, so having private health insurance can save you from unexpected expenses. Emergency ambulance cover helps you get the care you need when it matters most.Make your health insurance work for you Health insurance should fit your changing health and lifestyle needs, so it’s important to review your health insurance cover regularly to make sure it’s keeping up. And if your circumstances have changed – for example, you’re planning to start a family, or your healthcare needs have increased – a health insurance cover review is definitely worthwhile.At nib, we offer a range of options for hospital, extras and combined covers, as well as the opportunity to increase your insurance excess to help you save on your monthly premium. If you’re looking to get more bang for your buck on health insurance, staying on top of what you’re covered for is a great place to start.Unsure where to start? Log in to your member account or the nib App to check what you’re covered for or give us a call on 13 16 42 to review your cover.1Eligible members must be aged 18-29 and not a dependant under the policy. Discount calculated at 2% for