If you have already chosen your hospital or specialist and you know you have significant expenses out of your pocket, call us to discuss your options. We have agreements with most private hospitals in Australia, so you can significantly reduce your expenses out of your pocket. All large health insurance companies have agreements with a large number of private hospitals, but it is recommended that you check before deciding which hospital should be treated. This is especially important if you have a hospital in mind before treatment or if you live in a rural area where the nearest private hospital may be remote. If you choose to be treated in a private hospital that does not agree with your health fund, the extent of coverage you receive depends on your policies. Keep in mind that you most likely have an a-pocket cost during treatment. Look for dentists, hospitals, surgeons and more in our network Find out about our gap contracts for certain procedures, including knee and hip replacement Not only can you get the private hospital agreement in which you wish to be admitted, but you can also choose your doctor inside this hospital and benefit from greater flexibility as to the date of your treatment. Depending on the amount of your coverage and your room availability, you can also receive your own room. If nib does not agree with the hospital you wish to visit, you may face significant costs for your hospitalization. This can be hundreds or even thousands of dollars, which cannot be recovered by the pen. Please contact the hospital to explain the cost of your respective procedures.

We have special agreements with health professionals and practices across Australia. If you choose a provider on our network, you can get better value by calculating less simply because you are a nib member. We have several arrangements such as First Choice and MediGap, so ask your selected provider if they participate and how they might be able to keep your costs low. Nib has agreements with most private hospitals throughout Australia, so no matter where you live, you should be able to find a hospital near you.