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Health Insurance

Select or combine Hospital cover and Extras to suit you. Get health cover today - Contact us for a quote.

Request a quote Call 13 50 50 for a quote

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Start with Hospital Cover

Select or combine Hospital cover and extras to suit you

Both Hospital options include...

What's not included?

Tailor your Extras...

Select or combine Hospital cover and extras to suit you

Essential Extras

$6.61§/week

6 claimable services
 

Cover for extras people use most, with 60% back of the cost back to you, up to your annual limit.

Advanced Extras

You can add additional extras like chiropractic and osteopathy to suit an active lifestyle.

What's included?

Classic Extras

$9.87§/week

6 claimable services
 

Get 60% of the cost back every time you claim, with higher annual limits.

Advanced Extras

You can add additional extras like chiropractic and osteopathy to suit an active lifestyle.

What's included?

Premium Extras

$24.42§/week

22 claimable services
 

The best level of Apia Extras cover with 75% back, up to your annual limit.

More Information

Everything else you will need to know.

Advanced Extras

What's included in Additional Extras?

You can add additional extras like chiropractic and osteopath to suit an active lifestyle.

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 avoid tax.

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.

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

Medicare Levy Surcharge

If your taxable income is above the Medicare Levy Surcharge thresholds, you don't have an appropriate level of private hospital cover, you may have to pay the Medicare Levy surcharge.

§Price calculated on: a single living in VIC, an Australian Government Rebate Tier of 0, customer aged 65-69, assumed Lifetime Health Cover loading of 0% for hospital cover, $500 Excess for hospital cover, paying by direct debit and receiving up to 4% discount.

nib health funds limited ABN 83 000 124 381 (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.