By /
Written by

Chris Quinn

Written by

Chris Quinn

General Manager

Chris is the General Manager of Health Deal, one of Australia's biggest health insurance comparison services. He has been with Health Deal since the very beginning. Started as.

Read More
November 13, 2019

NIB Health Insurance Review

Overview

The Newcastle Industrial Benefits (NIB) health fund was established 60 years ago for BHP Steelwork employees in the NSW Hunter region. Today the health fund provides quality and affordable cover to over 1 million Australians. nib also operates in New Zealand and offers health cover to Australian expats studying and working abroad.

NIB Health has dental and eye care centres in Victoria and New South Wales that offer 100% back on preventative dental, selected contact lenses and single vision glasses depending on what policy you hold.

NIB is the 4th largest health insurance provider in Australia.

NIB Health Insurance Key Facts

Founded: 1952

For-Profit or Not-For-Profit? For-Profit

Private Hospital Agreements Nationwide: 288

Day Hospital Agreements Nationwide: 275

Health Deal Represented? Yes

Headquarters: Newcastle, NSW

NIB Health Hospital Cover

nib Health has hospital policies to suit every age and medical need. These range from Basic Essentials Hospital Plus all the way up to Gold Top Hospital. Here is a list of some of the hospital covers currently available from nib:

  • Basic Essentials Hospital Plus
  • Bronze Hospital Plus
  • Silver Hospital
  • Silver Advantage Hospital Plus
  • Gold Top Hospital

NIB Health Extras Cover

Extras Cover takes care of the everyday healthcare service expenses that are not covered under Medicare such as dental services, prescription glasses, and physiotherapy. Here is a list of some of the current extras covers available:

  • Core Extras
  • Core and Wellbeing Extras
  • Core and Young at Heart Extras
  • Core, Family and Young at Heart Extras
  • Dental Boost
  • Core Boost
  • Core, Wellbeing and Young at Heart
  • Top Extras
  • Premium Extras

NIB Health Combined Cover

Nib has 8 combined covers and these are:

  • Basic Kickstarter
  • Basic Plus
  • Basic Saver – Basic Plus
  • Bronze Kickstarter Plus
  • Everyday Saver – Basic Plus
  • Mid Plus-Silver Plus
  • Top Cover – Gold
  • Young at Heart Top – Silver Plus

NIB Health Waiting Periods

nib recognises the waiting periods you have already served with a previous health fund if you switch, this is called “portability”. For first-timers taking out a hospital cover, members who may have lapsed in hospital coverage and those upgrading their level of cover, the waiting periods below will have to be served before members can claim on services:

Hospital waiting periods

  • Ambulance services: 1 day
  • Accidental Injury: None
  • New Conditions: 2 Months
  • Pregnancy and birth-related services: 12 months
  • Pre-existing conditions: 12 months
  • Rehabilitation & Palliative care: 2 months
  • Weight Loss Surgery: 12 months

How Do You Claim Extras With NIB Health?

NIB offers 4 quick and easy ways to claim on your extras. This can be done in the following ways:

On the spot: Swipe your membership card at a health provider that uses the HICAPS system to have your claim processed immediately.

Via a mobile app: You can lodge a claim using the nib App by submitting a photo of your receipt.

Online: You can log into nib’s Online Services and lodge your claim by providing the details on your receipt.

By Mail:  You can lodge your claim by posting a completed claim form with the relevant accounts and receipts to:

Locked Bag 2010,

Newcastle, NSW

2300

NIB Health Gap Cover

NIB’s gap cover is called MediGap. If your doctor charges you more than the standard MBS fee, this is known as the ‘gap’ and can leave you with an out-of-pocket expense.  MediGap can help to minimise or eliminate personal expense but it is the choice of the physician to participate in any given gap scheme.

Gap Cover Ratings By State

To determine how beneficial a gap scheme will be, we suggest comparing health funds in the same state or territory to show which of the funds offer a greater proportion of medical services covered with no gap. While it is more likely that a medical service covered under your health fund can be utilized at no personal cost to you, it is entirely the choice of the physician whether or not to participate in the gap cover scheme. 

Medical Services with No Gaps — The percentage of claims that were fully refunded.

Medical Services with No or Known Gaps — The percentage of claims that were fully refunded, or where the policy holder knew the cost before the surgery was performed.

The information below outlines the percentages of services covered under no-gap and known-gap.

NIB Health Fund medical services with No Gap: 66.2%

Industry Average: 79.1%

NIB Health Fund medical Services with No or Known Gap: 66.2%

 

Industry Average: 90.5%

NIB Health Fund medical services with No Gap: 92.6%

Industry Average: 89.5%

NIB Health Fund medical Services with No or Known Gap: 92.6%

Industry Average: 95.7% 

NIB Health Fund medical services with No Gap: 91.4%

Industry Average: 86.7%

NIB Health Fund medical Services with No or Known Gap: 91.4%

 

Industry Average: 95.1%

NIB Health Fund medical services with No Gap: 85.9%

Industry Average: 89.2%

NIB Health Fund medical Services with No or Known Gap: 85.9%

 

Industry Average: 94.5%

NIB Health Fund medical services with No Gap: 93.6%

Industry Average: 89.5%

NIB Health Fund medical Services with No or Known Gap 93.6%

 

Industry Average: 96.6%

NIB Health Fund medical services with No Gap: 81.8%

Industry Average: 84.4%

NIB Health Fund medical Services with No or Known Gap: 81.8%

 

Industry Average 96.2%: 

NIB Health Fund medical services with No Gap: 85.3%

Industry Average: 90.2%

NIB Health Fund medical Services with No or Known Gap: 85.3%

 

Industry Average: 96.7%

NIB Health Fund medical services with No Gap: 77.2%

Industry Average: 84.2%

NIB Health Fund medical Services with No or Known Gap: 77.2%

Industry Average: 93.8%

Continue Reading...

Health Fund Bios

Westfund Health Insurance Review

February 13, 2020
Westfund health insurance is a regional, Not-For-Profit health fund that was established 60 years ago for miners in the heart of regional Australia
Read More →
Health Fund Bios

TUH Health Fund

February 12, 2020
TUH was established over 45 years ago by a group of Queensland teachers to provide quality and affordable health care to educators in that state. ...
Read More →
Health Fund Bios

Teacher’s Health Review

February 11, 2020
Teacher’s Health is a restricted health fund exclusively for current and former members of the Australian education industry and their families.
Read More →
Health Fund Bios

Reserve Bank Health Society (RBHS) Review

February 10, 2020
RBHS is a closed fund for current and former employees of the Reserve Bank of Australia (RBA) and Note Printing Australia (NPA) and their families
Read More →
Health Fund Bios

St. Luke’s Health Insurance Review

February 10, 2020
The St. Luke’s Health fund was established over 65 years ago by a group of Launceston businessmen who saw the need for a regional health ...
Read More →
Health Fund Bios

Peoplecare Health Insurance Review

November 13, 2019
Peoplecare Health Insurance Review Overview Peoplecare Health Insurance began as an industry-based health fund in 1952 as the health fund for John Lysaght Australia Ltd. ...
Read More →
Health Fund Bios

NIB Health Insurance Review

November 13, 2019
NIB Health Insurance Review Overview The Newcastle Industrial Benefits (NIB) health fund was established 60 years ago for BHP Steelwork employees in the NSW Hunter ...
Read More →
Health Fund Bios

Nurse and Midwives Health Review

November 13, 2019
Nurse and Midwives Health Review Overview Nurses and Midwives Health is a not-for-profit, industry-based fund open to the public and private nursing and midwifery community ...
Read More →
Health Fund Bios

Health Partners Review

November 13, 2019
Health Partners Review Overview Health Partners is 80 years old and South Australia’s largest open health fund. Health Partners is not-for-profit and invests its dividends ...
Read More →
Health Fund Bios

Latrobe Health Services Review

November 13, 2019
Latrobe Health Services Review Overview Latrobe Health has been providing quality, member-focused health cover to its customers for almost 70 years.  Latrobe Health is a ...
Read More →
Health Fund Bios

Hunter Health Insurance (CDH Benefits Fund) Review

November 13, 2019
Hunter Health Insurance (CDH Benefits Fund) Review Overview CDH Benefits Fund (Cessnock District Health Benefits Fund) was established as a regional health fund over 65 ...
Read More →
Health Fund Bios

health.com.au Review

November 13, 2019
health.com.au Review Overview health.com.au was established in 2012 and is the first new private health insurer in Australia since 1976. They are an online-only health ...
Read More →
Health Fund Bios

Medibank Private Review

November 12, 2019
Medibank Private Limited (MBP) Review Overview Medibank is Australia’s second largest private health insurer in Australia with over 3.6 million members. Medibank Private was established by ...
Read More →
Health Fund Bios

MyOwn Health Insurance Review

November 12, 2019
MyOwn Health Insurance (MO Health Pty Ltd) Review Overview MyOwn health Insurance is owned by the health fund GMHBA, insurance company AIA Australia, and the ...
Read More →
Health Fund Bios

Mildura Health Fund Review

November 12, 2019
Mildura Health Fund Review Overview Mildura Health is a regional health fund that has been operating in Mildura, Victoria for 90 years. Mildura Health Fund is ...
Read More →
Health Fund Bios

CBHS Health Fund Review

November 12, 2019
CBHS Health Fund Review Overview CBHS Health is a private, member-owned health fund founded by the Commonwealth Bank of Australia Group over 65 years ago ...
Read More →
Health Fund Bios

Emergency Services Health Review

November 12, 2019
Emergency Services Health Review Overview Emergency Services Health is a restricted, not-for-profit health fund for employees and volunteers in the emergency services, such as ambulance ...
Read More →
Health Fund Bios

Grand United Corporate Health Review

November 12, 2019
Grand United Corporate Health Review Overview Grand United Health is the only health fund in Australia that caters to corporate bodies, with over 260 corporate ...
Read More →
Health Fund Bios

Phoenix Health Fund Review

November 11, 2019
Phoenix Health Fund Review Overview Phoenix Health is a not-for-profit, mutual health fund that was established over 65 years ago as an exclusive fund for ...
Read More →
Health Fund Bios

Police Health Review

November 11, 2019
Police Health Review Overview Police Health was established over 80 years ago to cater to the medical needs of police employees and their families. What ...
Read More →
Health Fund Bios

Westfund Health Insurance Review

February 13, 2020
Westfund health insurance is a regional, Not-For-Profit health fund that was established 60 years ago for miners in the heart of regional Australia
Read More →
Health Fund Bios

TUH Health Fund

February 12, 2020
TUH was established over 45 years ago by a group of Queensland teachers to provide quality and affordable health care to educators in that state. ...
Read More →
Health Fund Bios

Teacher’s Health Review

February 11, 2020
Teacher’s Health is a restricted health fund exclusively for current and former members of the Australian education industry and their families.
Read More →
Health Fund Bios

Reserve Bank Health Society (RBHS) Review

February 10, 2020
RBHS is a closed fund for current and former employees of the Reserve Bank of Australia (RBA) and Note Printing Australia (NPA) and their families
Read More →
Health Fund Bios

St. Luke’s Health Insurance Review

February 10, 2020
The St. Luke’s Health fund was established over 65 years ago by a group of Launceston businessmen who saw the need for a regional health ...
Read More →
Health Fund Bios

Peoplecare Health Insurance Review

November 13, 2019
Peoplecare Health Insurance Review Overview Peoplecare Health Insurance began as an industry-based health fund in 1952 as the health fund for John Lysaght Australia Ltd. ...
Read More →
Health Fund Bios

NIB Health Insurance Review

November 13, 2019
NIB Health Insurance Review Overview The Newcastle Industrial Benefits (NIB) health fund was established 60 years ago for BHP Steelwork employees in the NSW Hunter ...
Read More →
Health Fund Bios

Nurse and Midwives Health Review

November 13, 2019
Nurse and Midwives Health Review Overview Nurses and Midwives Health is a not-for-profit, industry-based fund open to the public and private nursing and midwifery community ...
Read More →
Health Fund Bios

Health Partners Review

November 13, 2019
Health Partners Review Overview Health Partners is 80 years old and South Australia’s largest open health fund. Health Partners is not-for-profit and invests its dividends ...
Read More →
Health Fund Bios

Latrobe Health Services Review

November 13, 2019
Latrobe Health Services Review Overview Latrobe Health has been providing quality, member-focused health cover to its customers for almost 70 years.  Latrobe Health is a ...
Read More →
Health Fund Bios

Hunter Health Insurance (CDH Benefits Fund) Review

November 13, 2019
Hunter Health Insurance (CDH Benefits Fund) Review Overview CDH Benefits Fund (Cessnock District Health Benefits Fund) was established as a regional health fund over 65 ...
Read More →
Health Fund Bios

health.com.au Review

November 13, 2019
health.com.au Review Overview health.com.au was established in 2012 and is the first new private health insurer in Australia since 1976. They are an online-only health ...
Read More →
Health Fund Bios

Medibank Private Review

November 12, 2019
Medibank Private Limited (MBP) Review Overview Medibank is Australia’s second largest private health insurer in Australia with over 3.6 million members. Medibank Private was established by ...
Read More →
Health Fund Bios

MyOwn Health Insurance Review

November 12, 2019
MyOwn Health Insurance (MO Health Pty Ltd) Review Overview MyOwn health Insurance is owned by the health fund GMHBA, insurance company AIA Australia, and the ...
Read More →
Health Fund Bios

Mildura Health Fund Review

November 12, 2019
Mildura Health Fund Review Overview Mildura Health is a regional health fund that has been operating in Mildura, Victoria for 90 years. Mildura Health Fund is ...
Read More →
Health Fund Bios

CBHS Health Fund Review

November 12, 2019
CBHS Health Fund Review Overview CBHS Health is a private, member-owned health fund founded by the Commonwealth Bank of Australia Group over 65 years ago ...
Read More →
Health Fund Bios

Emergency Services Health Review

November 12, 2019
Emergency Services Health Review Overview Emergency Services Health is a restricted, not-for-profit health fund for employees and volunteers in the emergency services, such as ambulance ...
Read More →
Health Fund Bios

Grand United Corporate Health Review

November 12, 2019
Grand United Corporate Health Review Overview Grand United Health is the only health fund in Australia that caters to corporate bodies, with over 260 corporate ...
Read More →
Health Fund Bios

Phoenix Health Fund Review

November 11, 2019
Phoenix Health Fund Review Overview Phoenix Health is a not-for-profit, mutual health fund that was established over 65 years ago as an exclusive fund for ...
Read More →
Health Fund Bios

Police Health Review

November 11, 2019
Police Health Review Overview Police Health was established over 80 years ago to cater to the medical needs of police employees and their families. What ...
Read More →
Articles

Laser Eye Surgery Cost in Australia – A Comprehensive Guide

November 27, 2023
Laser eye surgery, a revolutionary frontier in ophthalmology, has transformed the lives of millions across Australia. This sophisticated technology corrects a variety of refractive errors—myopia, ...
Read More →
Articles

The Importance of Preventive Care: How Health Insurance Encourages Regular Check-ups

November 9, 2023
In our bustling modern lives, dedicating time to our health often takes a back seat. Yet, routine check-ups are not mere medical appointments but a ...
Read More →
Articles

Types of Mental Disorders

October 30, 2023
Types of Mental Disorders Discussing mental health is undeniably challenging and, in some cultures, remains a taboo subject. The sensitivity surrounding this topic often leaves ...
Read More →
Articles

Cost of Hernia Surgery: Everything You Need To Know

October 11, 2023
A hernia occurs when organs, like the intestines, protrude through a weakened part of the abdominal wall. If left untreated, this weak spot in the ...
Read More →
Articles

Are Dental Implants Covered by Health Insurance?

September 8, 2023
Dental implants have become increasingly popular as a long-lasting and effective solution for replacing missing or damaged teeth. They offer both functional and aesthetic benefits, ...
Read More →
Articles

Hip Replacement Surgery Cost in Australia: What To Consider in 2023

August 25, 2023
Setting forth toward enhanced mobility and improved quality of life often involves medical interventions like hip replacement surgery. While contemplating this transformative procedure, it is ...
Read More →
Articles

Private Health Cover for Chemo at Home: Comparing Your Options

August 22, 2023
Introduction The Importance of Chemo at Home Treatment Chemotherapy, a critical component of cancer treatment, is traditionally administered in hospitals or outpatient clinics. However, chemo ...
Read More →
Articles

Insights into Heart Disease Statistics Among Australians

August 21, 2023
Heart disease poses a significant health challenge in Australia, encompassing conditions like coronary heart disease, stroke, and various cardiovascular ailments. Understanding the prevalence and impact ...
Read More →
Articles

South Australia Seniors Are Slashing Their Health Insurance Premiums – Here’s How

July 28, 2023
  1300 369 399 Chris Quinn- SA Seniors Are Slashing Their Health Insurance Premiums -Here’s How If you’re over 50 and living in South Australia, ...
Read More →
Articles

South Australia Seniors Are Slashing Their Health Insurance Premiums – Here’s How

July 28, 2023
1300 369 399 Chris Quinn- WA Seniors Are Slashing Their Health Insurance Premiums -Here’s How If you’re over 50 and living in South Australia, you’re ...
Read More →
Health Deal Website Blog Post
I understand and accept Packleader Group's Privacy Policy. I agree that Health Deal may call me during call centre opening hours, and email or SMS me, about the services it provides.
WHO interim guidance for Covid-19 during outbreak
News

WHO’s plan to combat overwhelmed health systems

April 30, 2020
WHO announces new manual to aid countries balance the overwhelming COVID-19 threat to health system and how to set up new health facilities.
Read More →
vaccine vial and syringe
News

Thousands participate in COVID-19 vaccine trials

April 29, 2020
Around 4,000 Australian healthcare workers will be using the 100-year old vaccine BCG to test its effectiveness against COVID-19 in a new vaccine trial.
Read More →
Patient getting doctor advice on Video call
News

Video calling through Healthdirect Australia to ease Australia’s health system

March 31, 2020
As of 1st September 2019, some service providers and their on-line clinics, medical centres and GP practices across Australia, have moved to the new Healthdirect ...
Read More →
Italy’s most affluent regions have ground to a halt after a coronavirus lockdown
News

Residents of the Lombardy region in Italy locked in as coronavirus cases climb

February 26, 2020
Seven of Italy’s most affluent regions have ground to a halt after a coronavirus lockdown
Read More →
Patient zero for a mass coronavirus outbreak in Daegu city in Korea
News

Daegu City: panic takes hold as messianic church links to mass infection

February 24, 2020
A 61-year old South Korean female member of a controversial sect has been identified as patient zero for a mass coronavirus outbreak in Daegu city ...
Read More →
man vaping
News

#VapeTricks leaves vaping under fire again

February 21, 2020
The great vaping debate has momentarily sparked up again, thanks to #VapeTricks on TikTok.
Read More →
10 million people died from cancer in 2018
News

Equal cancer care for all: WHO’s steps to save 7 million lives from cancer

February 4, 2020
Every year on the 4th of February, World Cancer Day is observed to raise awareness of the disease and encourage early detection through screenings and ...
Read More →
News

Australian Private Health Insurance Premiums Expected to Surge

November 28, 2019
Australian Private Health Insurance Premiums Expected to Surge Promises fall through Health Minister Greg Hunt’s avowal to tackle private health insurance premiums has gone belly ...
Read More →
News

Measles Outbreak spurs vaccinations

November 6, 2019
Measles Outbreak spurs vaccinations A new outbreak of measles has prompted health officials to issue travel vaccination warnings to those leaving the country. One-hundred and ...
Read More →
News

New Multi-Million Dollar Investment Into A Vaccine For Periodontal Gum Disease

October 23, 2019
New Muti-Million Dollar Investment Into A Vaccine For Periodontal Gum Disease The 14 million dollar investment into a vaccine for periodontal gum disease has come ...
Read More →
Written by

Chris Quinn

General Manager

Chris is the General Manager of Health Deal, one of Australia's biggest health insurance comparison services. He has been with Health Deal since the very beginning. Started as a sales agent and made the first ever sale for Health Deal, Chris has worked his way up to General Manager in 2020. He's seen it all through team leadership and campaign management.

Scroll to Top