If you’re joining us from a different insurer, we’ll recognise waiting periods you’ve served, so you may be able to start claiming as soon as you become a member.

If you’re transferring to a 485 graduate visa, we have health cover to meet your visa requirements.

If you’re extending your studies in Australia, it’s quick and easy to extend your nib cover in the nib App.

How you access healthcare can vary from country to country. In Australia you should only go to a hospital for medical treatment in an emergency if you are seriously hurt and require urgent medical assistance.

A guide to healthcare in Australia

If you’re feeling unwell and not sure if you need to see a doctor, use the symptom checker at healthdirect.gov.auto help you decide what to do next.

If you’re sick, you might see a doctor (commonly referred to as a General Practitioner or GP) at their clinic. Find a GP in our network.

Only go to a hospital emergency department if you have a major injury or life threatening illness e.g. chest pains, difficulty breathing or severe blood loss or injury. If you need to, call 000 for an ambulance.