NIB Hospital Cover for Overseas Students & Workers
Understanding hospital benefits under OSHC and OVHC
NIB OSHC and OVHC products can include benefits for hospital accommodation and eligible medical treatment. The exact services, exclusions, excess and waiting periods depend on the cover selected.
Overview
NIB OSHC and OVHC products can include benefits for hospital accommodation and eligible medical treatment. The exact services, exclusions, excess and waiting periods depend on the cover selected.
Public and private hospitals
Your product may provide benefits in public or private hospitals, but agreements, benefit levels and potential gaps differ. Contact nib before planned admission.
Medical fees in hospital
Eligible in-hospital medical services can attract benefits, but doctors may charge above the amount recognised by the policy, creating a gap.
Waiting periods and exclusions
Before planned treatment, check waiting periods, exclusions and whether an excess applies. Emergency treatment should never be delayed to check insurance.
Check NIB cover
Use the relevant NIB quote journey and confirm the cover suits your visa and healthcare needs.