Everything you need to know about Using your NIB Health Insurance

• byBudgetpolicy
• 2023-07-13

You must feel delighted after buying a health insurance. After all, you have taken the first and the right step towards your health. But, when it comes to nib, it is not only about health insurance but, beyond.  You get access to various tools and benefits to keep your health at its best.

Therefore, now that you have joined the nib health insurance club, you might think about what to do next or how to use it.

We have put together useful points to ensure you feel safe and motivated about your chosen health insurance and benefits. This will help you use your nib overseas student health cover or overseas visitor health insurance, easily and conveniently.  

Using NIB Health Insurance

Read your Policy Documents

After you have registered yourself as a nib member, you will receive a welcome message from nib to your provided email address. The message will include all the details of your purchased health insurance along with the information on the Government’s health insurance rebates as well as the Lifetime Health Cover loading. This might be too much to digest at once, however, the government of Australia has motivated it people to buy private health insurance therefore, it is for good that you know what you are eligible for and what is best for your health. 

Cross-check your Policy - Limits and Benefits

It is essential to crosscheck your policy, its limits, benefits, and everything included as many times as it takes you to satisfy. This way, you will know that you are covered what you have paid for. For instance, if you have paid for the benefits at the time of pregnancy or dialysis, ensure it is clearly mentioned in the insurance. 

Get a Health Insurance Card

Although new nib members get a standard card sent out to their provided postal address. However, you can download it to your Apple Wallet or Android device in just a few clicks. The benefit of having your nib member card on your phone is that you can easily claim your policy’s benefits after your visit to the doctor or treatment. 

Benefit of Gap

A ‘gap’ is the difference between what your health insurance provider along with the government pays for and what your doctor or the hospital charges from you. The gap amount will be paid out of your own pocket and will not be covered under your policy. Therefore, to help you minimize the gap expense, nib has developed agreements with many private hospitals and specialists in Australia. The agreements are to ensure that your gap amount is reduced or eliminated. You can use Nib’s online hospital search tool to locate private hospitals and specialists included under these agreements.

Start claiming

Now that you know better about your health insurance, it is time to start claiming the rewards and benefits. The simplest way in which you can ensure your claim is to download the nib’s application on your respective smartphone, iPad, or any other android gadget. Ther eare just a couple of steps and the simple ones, in which you can get your nib health insurance medical cliam. The steps are:

·         Open the app in your smartphone or iPad.

·         Take a photo of your health insurance receipt.

·         Click on the ‘claim now’ button.

For better understanding of the app or more details, you can go through nib’s app claiming guide available on their platform. For more detailed instructions, check out our nib app claiming guide. 

Get Rewarded

Once you have claimed your medical benefits, the journey of being a nib member does not end there. One more benefit is yet to be unveiled. Being a nib member, you get another benefit i.e., you get access to nib rewards. Rewards is a nib portal with exclusive benefits and offers with over 100 retailers - Myer, JB Hi-Fi, The Iconic, and Kmart. Therefore, not only your health is being taken care of but you also get the advantage of saving money on your groceries, gym memberships, etc.  

The Final Thought!

If you have any questions about your nib overseas student health cover or any other insurance, you can consult with our experts at Budget Policy. We will be pleased to assist you with your medical needs.