Compare cover
nib OVHC Standard Working
nib · Basic (hospital only) · OVHC — visitors & workers
Our score 9.0 / 10Meets 8501
The most app-first of the funds. In-app claims typically land in 1–3 business days, and renewals are painless.
What is good
- Pays 100% of in-hospital doctor fees — almost no gap
- Fast app claims and easy renewals
What to watch
- $100 excess per hospital admission
- GP visits remain out of pocket
Benefit detail
- GP visits
- Not covered
- Specialists
- Not covered
- Pathology & imaging
- Not covered
- In-hospital treatment
- 100% of MBS
- Private hospital network
- Prescriptions
- Not covered
- Emergency ambulance
- Repatriation
- Not covered
- Hospital excess
- $100
- 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.