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Medical Insurance in Australia

Online Help - How to choose the right cover for you

Depending on where you are in life, there are features you will want from your health cover, and ones you won't - for example, not many 22 year olds need hip replacements.

Basically, people looking at PHI fall into 3 categories: Singles, Couples and Families.

You could refer to them as Life Stages, and for each one, there's a range of covers to choose from with prices to match

There are two types of Private Health Insurance (PHI) cover:

  HOSPITAL COVER- (The things you need done while you're in there!)
The level of hospital cover you choose determines the types of procedures you're covered for. The higher the level of cover, the more things you will be covered for.

  EXTRAS COVER- (Things you can use to stay healthy!) The type of things you can use to stay healthy, include: dental visits, physio treatments or new glasses.
Medicare doesn't cover these, so having Extras cover will help pay for the costs. Unlike most health funds, nib will pay a percentage of the total cost of a providers service charge.

Extent of Cover

Hospital Cover

The total cost of your stay in hospital depends on the hospital you choose, your Doctors and your specific procedure. If you are able to contact nib prior to a hospital procedure, nib can help keep costs down and even avoid out of pocket expenses all together. nib can also check if you have the right cover for your procedure.

Extras Cover

With Extras, nib puts an annual limit on how much they will pay, and/or the number of times you can claim for extras over a certain period of time in a calendar year. At the beginning of each year, your benefit limits are renewed and you can start to claim again. A higher level of cover gives you higher limits to claim against.

How to Get Covered

To get your nib health insurance plan simply following the steps below:

Click here to access the nib website and choose the level of cover that meets your needs.

Or call nib today on and discuss your health cover needs.

Don't forget to tell them you are joining up through BCIS Capital.

               Complete & sign your docs, send back to nib and you're done.

Visit the nib/ BCIS Capital information site or

Talk to nib today  - call (Don't forget to tell them you are joining up through BCIS Capital)



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