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.
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).
Take advantage of our optical and dental* offers
Visit an nib First Choice Optical provider or nib Dental Centre for no gap on selected products and services, including dental check-ups, selected glasses and contact lenses as well as other great discounts.
*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).
Take advantage of our optical and dental* offers
Visit an nib First Choice Optical provider or nib Dental Centre for no gap on selected products and services, including dental check-ups, selected glasses and contact lenses as well as other great discounts.
*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
- Extras
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…
Basic or Gold: what you get regardless of tier
Hospital covers are categorised into four tiers: Gold, Silver, Bronze and Basic, making it…
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…
How to save money on your health cover
Your health is one of the most valuable assets you’ll ever have. Getting private health…
Basic or Gold: what you get regardless of tier
Hospital covers are categorised into four tiers: Gold, Silver, Bronze and Basic, making it…
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…