The benefits of private health insurance

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Concierge services and discounts - just to name a few

17 September 2020 6 minute read

Most of us know that our health insurance protects us should we require medical assistance, but did you know that being a member with nib could also allow you to save money on your next grocery bill? Or that nib offers access to a range of health programs free of charge? What about the fact that you can ask common health insurance questions using Alexa and Google Home?

At nib, we’re passionate about giving our members value for money, which is why each year we work at ways we can make your life easier, healthier and more affordable.

Concierge services, discounts and extra product benefits – when you’re a member of nib, here’s just a few of the benefits you'll receive.

1. Helping you reach your health goals

We know how important it is to have health insurance should you require medical assistance, but how can you get the most from your private health insurance when you’re not sick? To answer this question, we created Well with nib, an app that aims to help members stay healthy and rewards you for just taking part. Whether you’re increasing your daily step count, getting more sleep, eating more vegetables or training for a marathon, Well with nib offers guidance and motivation to help you reach your goals⁴.

2. Free recipes and grocery discounts

Eating a healthy diet full of fresh fruit and vegetables doesn’t have to mean stocking up on overpriced activated almonds. At nib, we like to keep things simple, which is why we’ve partnered with nutritionists and dietitians to develop a new range of exclusive recipes. To help you on your way to healthy eating, we also offer discounts off your grocery purchases at both Coles and Woolworths¹. Head to the nib Rewards page for more information.

3. Digital membership cards

Have you ever rummaged through your wallet for a membership card while the cashier waits patiently (and the line of customers behind you increases)? We’ve all been there.

At nib, we’re passionate about making your health cover as simple as possible to use. That’s why we’ve made your nib membership card available on your Android or Apple smartphone. Download the your card using the nib app for Android or Apple and next time you visit your health professional and need to make a claim, simply tap and go.

Whether you’re a gym junkie, runner or weekend walker, we want to reward you for embracing exercise

4. Access to more affordable health providers

It can be tricky to find a dentist, optometrist or physio for you and your family. You’ve got to consider location and cost, but also reputation and availability – because no one wants to wait months for an appointment when you need help now!

That’s why we offer the nib First Choice network, our community of specially selected health providers who’ve agreed to provide nib members with quality healthcare, great customer service and value for money. Not only does this network include dentists and optometrists, but it also includes physiotherapists²!

5. Launch of the voice assist skill

We've made health insurance smart and simple and we're doing the same when it comes to your Google Home or Amazon Alexa. You can now look after your health by enabling us to connect you with local health professionals and give you the latest health tips and insurance information, all without lifting a finger. It’s as easy as saying, ‘OK Google speak to nib’ or ‘Alexa, ask nib’.

6. More tools to get you healthy

When it comes to getting healthy, you should never underestimate the difference a few lifestyle changes can make. At nib, we offer eligible members access to a range of Health Management programs to help you manage, for example, your joint pain, weight, diabetes, heart health, anxiety or depression. The programs are available at no additional cost for eligible members³ and delivered by qualified health professionals, so you can access all the tools you need to feel your best.

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7. Expansion of our Clinical Partners program

Going to hospital isn’t generally something we enjoy and for those who require a hip or knee replacement, the financial stress can be daunting. At nib, we’ve been working hard to develop and expand our Clinical Partners program. This program is a network of NSW's and Queensland's experienced orthopaedic surgeons, who have committed to performing hip and knee joint replacement surgery with no out of pocket expenses. Check out our article, Planning a hip or knee replacement? How nib’s Clinical Partners program can help for more information.

8. Easier to claim and access your policy

We’ve updated the nib app so you can now submit your claims even quicker with our smart document recognition functionality. The new nib app also means you can access details of your policy easily, so you can find out what you’re covered for and see what you’ve already claimed. We’re continuing to make improvements to our app throughout the year and you can keep up to date with any changes through our dedicated Mobile apps page.

9. Activewear discounts

Whether you’re a gym junkie, a running enthusiast or a weekend walker, we want to reward you for embracing exercise, which is why we’ve partnered with online sports and performance wear sites, New Balance and Rebel Sport to give nib members up to 20% off⁵. Log onto the nib Rewards page for your discount and get shopping.

If you’re sick of paying full price for some of your everyday shopping, check out the full range of discounts available through nib Rewards today.

Not with nib and ready to take advantage of our members-only perks? Get a quote today or contact our member service team on 13 16 42.

¹Terms and conditions apply. Some offers may be varied or available for a limited time. Payments made by debit/credit card incur a 1% processing fee.

²nib First Choice providers offer discounted fees for many commonly claimed dental treatments, many commonly claimed physiotherapy consultations, and standard discounts on their retail price for select single vision prescription glasses and other optical products, as agreed with nib. These fees and discounts are reviewed at least annually and are subject to change. Always check nib.com.au/find-a-provider or the nib App before booking to ensure your provider participates or simply ask your provider if they are part of nib’s network at the time of booking. Providers occasionally leave the nib First Choice network so it’s important to check before booking to avoid disappointment.

³Available to eligible nib members who’ve held Hospital Cover for 12 months and served their relevant waiting periods. Additional eligibility criteria apply to individual programs.

⁴Participating in the Well app, choosing not to use the Well app, participating in health programs (or choosing not to) or not reaching particular health goals or behaviours set via the app will not impact your health insurance product, premium, or policy terms and conditions in any way.

⁵Terms and conditions apply. Some offers may be varied or available for a limited time. Payments made by debit/credit card incur a 1% fee.