Switching from another fund
Waiting periods already served with your current fund will be recognised, so you can claim straight away. However, you may be required to serve a waiting period for benefits on your new health insurance policy that aren't covered by your existing fund. Any benefit limits already used with your current health fund will apply to your Apia health insurance policy. For more information call us on 13 50 50 or read the Policy Booklet here
nib Underwriting & Commission
About the insurer
This health cover is underwritten by nib health funds limited ABN 83 000 124 381 (nib) a registered private health insurer.
About the agent
nib has appointed Australian Pensioners Insurance Agency Pty Ltd (Apia) ABN 14 099 650 996 as its authorised agent to promote and distribute this health cover on nib's behalf, for which Apia receives a commission.
Agreement Private Hospitals
nib have agreements with approximately 80% of Australia's private hospitals. These agreements help nib keep hospital costs and therefore your premiums down. They also mean nib reduce or eliminate out-of-pocket expenses when you need treatment.
Refer to the Policy Booklet for more information
What is private health insurance ?
In Australia, Medicare provides health care for citizens and permanent residents. By taking out private health insurance you can get more health care options, peace of mind and it may even help you avoid tax.
More on Australia's health care system
Hospital & Extras
Hospital cover gives you access to private hospitals and choice of doctor, while Extras cover helps with the costs of services not normally covered by Medicare, such as dental and physiotherapy.
Compare our Hospital and Extras cover
Lifetime health cover
Under Lifetime Health Cover (LHC), you’ll pay a 2% loading on top of the normal premiums for each year you don’t have hospital cover, over age 31. The loading only applies for 10 years of continuous hospital cover. This isn’t just with Apia health insurance, but every health fund.
For more information call us on 13 50 50 or visit the department of Health and Ageing website at www.health.gov.au
The Australian Government Rebate on Private Health Insurance
The Australian Government Rebate on private health insurance click here for more information.
Avoid the Medicare Levy Surcharge and paying extra tax click here for more information.