nib OSHC Core

nib OSHC Core costs AUD 725.81 a year for a single (about AUD 60 a month) — the highest single price of the five OSHC insurers, AUD 60.81 more than the cheapest, Allianz Care OSHC Standard (AUD 665), and AUD 53.81 more than ahm (AUD 672). It pays 100% of the MBS fee for GP visits and 85% for specialists, pathology and radiology, and OSHC members can book telehealth GP appointments at no cost.

Yes. nib's OSHC fund rules (Schedule K, effective 29 July 2026) list OSHC Core at AUD 6,402 for one year of couple cover and AUD 15,979 for one year of family or single-parent-family cover (single: AUD 725.81), and nib quotes these prices online. Longer policies are priced separately.

Yes, but nib OSHC Core has a 2-month waiting period for treatment of pre-existing psychiatric conditions (in hospital or as an outpatient), except for emergency treatment. Medibank Essentials OSHC has no waiting period for hospital psychiatric care, including pre-existing conditions.

According to nib, you can manage your policy, use a digital member card, claim by taking a photo of your receipt, extend your OSHC, book telehealth GP appointments and use a digital mental health and wellbeing tool.

Yes. Apply online or by phone and give nib a clearance certificate from your previous Australian insurer. nib says it recognises waiting periods you have already served on equivalent cover. Start the nib policy the day after your old OSHC ends so there is no gap in cover.