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nib OSHC
nib · Standard (with GP) · OSHC — students
Our score 8.7 / 10Approved OSHCMeets 8501No hospital excess
The most app-first of the funds. In-app claims typically land in 1–3 business days, and renewals are painless.
What is good
- Best-in-class app claims, usually paid in 1–3 business days
- Single premium level with ahm, with a better service experience
- $500 annual pharmacy limit
What to watch
- Specialists and imaging at 85% of MBS — higher out-of-pocket than Bupa
- Two-month wait on mental health cover
Benefit detail
- GP visits
- 100% of MBS
- Specialists
- 85% of MBS
- Pathology & imaging
- 85% of MBS
- In-hospital treatment
- 100% of MBS
- Private hospital network
- Prescriptions
- $50 per item · $500 a year
- Emergency ambulance
- Repatriation
- $20,000
- Hospital excess
- $0
- Direct billing
- Telehealth
- App claims
Waiting periods
- Pre-existing conditions
- 12 months
- Pregnancy and birth
- 12 months
- Mental health
- 2 months
Similar policies
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Policies are underwritten and issued by Australian registered health insurers; we handle the quote and the sign-up. The insurer’s policy document and PDS are the authority on price and cover.