nib
nib OSHC
Second cheapest OSHC — best app experience and fast claims processing
✓Visa Compliant
Last updated: March 15, 2026
What's Covered
Benefits and coverage details.
Included
Second cheapest single price (AUD 680/yr — AUD 57/month)
Best app experience among OSHC providers
Fast claims processing
Good national hospital coverage
Higher medication cap (AUD 500/yr)
Not Covered
Most expensive for families (AUD 13,895/yr)
2-month mental health waiting period
No extras cover available (no dental/optical)
Hospital A&E limited to public/agreement hospitals only
No online doctor service
FAQ
Frequently Asked Questions about nib OSHC
Yes, nib is the second cheapest for singles at AUD 680/year (AUD 57/month), only AUD 57 more than ahm. nib is known for its excellent app and fast claims processing.
nib's family pricing (AUD 13,895/year) is the highest among all OSHC providers. If you have a family, Allianz Care (AUD 8,917/year) is significantly cheaper. nib's pricing favors single students.
Yes, but nib has a 2-month waiting period for pre-existing mental health conditions. For immediate mental health access, consider Allianz Care, Medibank (no wait), or Bupa (wait waived).
nib's mobile app is consistently rated as the best among OSHC providers. Features include easy claims submission with photo upload, digital membership card, provider finder, and real-time claims tracking.
Yes, you can switch to nib at any time. Contact nib to arrange the transfer from your current provider. Coverage continues without gaps and no new waiting periods apply.
Ready to Get Insured?
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