NIB's overseas visitor cover is used by eligible temporary visa holders, including working and graduate visa holders. Waiting periods determine when particular benefits can be claimed after cover starts.
Waiting periods NIB currently lists for overseas working visitors
| Treatment | Current NIB member information |
|---|---|
| Pregnancy and birth-related services | 12 months |
| Pre-existing conditions — inpatient | 12 months |
| Inpatient psychiatric treatment | 2 months |
| Rehabilitation | 2 months |
| Inpatient palliative care | 2 months |
This is a summary of current NIB member information, not a substitute for the policy document applying to your selected OVHC cover.
Switching to NIB
NIB states that it recognises waiting periods already served on equivalent cover. That can be important for someone changing insurer or moving between suitable overseas health products, but recognition is subject to the applicable terms and evidence.
485 visa holders
If you are moving from a Student visa to a Temporary Graduate visa, the key issue is not simply cancelling OSHC. Arrange appropriate cover for the new visa and avoid an unintended gap. See our dedicated NIB OVHC for 485 visa guide.
Frequently asked questions
Does NIB OVHC have waiting periods?
Yes. NIB currently lists waiting periods for several hospital treatment categories, including pregnancy, pre-existing conditions and some inpatient services.
Will NIB recognise waiting periods from another insurer?
NIB says it recognises waiting periods already served on equivalent cover, subject to applicable terms and evidence.
Are waiting periods the same on every OVHC option?
Do not assume so. Check the policy document for the exact cover you select.