ASX-listed

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ASX-listed insurer with a strong digital-first offer.

Compare nib with Comparify All funds

2026 premium increase

+5.47%

Industry average: +4.41%(+1.06 pts vs avg)

Effective 1 April 2026.

About nib

nib holdings is ASX-listed and Australia's fourth-largest insurer. Owns the GU Health corporate brand and operates internationally. Known for a slick digital experience and competitive young-adult pricing.

Typical strengths

  • First Choice extras network
  • Strong app and online member portal
  • Often sharp pricing for under-30s

Things to weigh up

  • Hospital excess structures vary — read the fine print
Rate rise history

Premium increases — last 5 years

How nib's gazetted average increase has tracked against the industry each April.

Below industry average At or above average Industry average

nib has beaten the industry average 2 of the last 5 years.

Source: Department of Health, Disability and Ageing, gazetted premium rounds 2022–2026. Years without a published figure are shown as gaps, not zero.

Ombudsman report

How nib performs for members

Size, complaints, retention and how much of a hospital bill members actually see covered — from the Ombudsman's 2023–24 report.

Complaints share

8.8%

Market share9.7%
Complaints share8.8%

Fewer complaints than nib's size would suggest.

Market share

9.7%

Share of all Australians with private health cover.

Member retention

81.3%

Members who stayed with the fund across the year.

Charges with no/known gap

85.5%

Hospital-related charges covered with no gap or a gap agreed up front.

Extras charges covered

57.5%

Average share of extras bills the fund's benefits pay.

Premiums returned as benefits

80.8%

Industry-leading funds return around 89–94% of premiums as benefits; the market typically returns 79–89%.

Agreement private hospitals

541

Private hospitals with agreements, where members are covered with no or known gaps.

Source: Commonwealth Ombudsman, State of the Health Funds Report 2023–24, and Comparify's hospital agreement dataset.

Live policy data

Open policies right now

Every nib policy currently open to new members, straight from the Government's PHIO dataset.

Hospital
56active options
  • Basic8
  • Bronze12
  • Silver27
  • Gold9

73

Extras-only policies

From $4/mo

6

Combined policies

Full hospital and extras coverage bundled together

Lowest listed price

Cheapest hospital premium

$55/mo

Per month, before rebate

PHIO data, August 2026Sold in NSW, NT, QLD, SA, TAS, VIC, WA
Counts are distinct product families, not per-state variants
Hospital pricing

How nib's hospital cover prices compare

Each row shows the whole market's monthly premiums for that tier, with nib's own open policies marked in purple.

Basic8 nib policies
Median$12071 open policies · 26 funds
Basic Accident Hospital $750 Excess — $114 per month
Basic Care Hospital Plus $750 Excess — $122 per month
AAMI Basic Hospital Plus $750 Excess — $124 per month
ING Basic Plus Hospital $750 Excess — $125 per month
Qantas Basic Hospital $750 Excess — $126 per month
Suncorp Health Insurance Basic Hospital Plus $750 Excess — $126 per month
Real Basic Plus Hospital $750 Excess — $126 per month
Basic Essential Hospital Plus $750 Excess — $126 per month
$102$233
Bronze12 nib policies
Median$15198 open policies · 29 funds
Bronze Hospital $750 Excess — $144 per month
Bronze Protect Hospital Plus $750 Excess — $144 per month
Bronze Corporate Assured Hospital Plus — $150 per month
AAMI Bronze Hospital $750 Excess — $151 per month
Apia Bronze Hospital Plus $750 Excess — $152 per month
Qantas Bronze Hospital Plus $750 Excess — $152 per month
Real Bronze Plus Hospital $750 Excess — $152 per month
Seniors Bronze Plus Hospital $750 Excess — $152 per month
Suncorp Health Insurance Bronze Hospital $750 Excess — $152 per month
ING Bronze Plus Hospital $750 Excess — $152 per month
Bronze Hospital Plus $750 Excess — $153 per month
Bronze Corporate Hospital Plus $750 Excess — $159 per month
$128$208
Silver27 nib policies
Median$227201 open policies · 28 funds
Silver Secure Hospital Plus $750 Excess — $189 per month
Silver Corporate Assured Hospital — $190 per month
Silver Executive Hospital Plus — $190 per month
Silver Hospital — $195 per month
Qantas Silver Plus Standard $750 Excess — $196 per month
ING Silver Hospital $750 Excess — $199 per month
Seniors Silver Hospital $750 Excess — $199 per month
Apia Silver Hospital $750 Excess — $199 per month
Real Silver Hospital $750 Excess — $199 per month
AAMI Silver Everyday Hospital Plus $750 Excess — $199 per month
Suncorp Health Insurance Silver Everyday Hospital Plus $750 Excess — $200 per month
Silver Corporate Assured Hospital Plus — $208 per month
Silver Corporate Standard Hospital Plus $750 Excess — $211 per month
Mid Hospital - Silver Plus $750 Excess — $240 per month
Corporate Mid Hospital - Silver Plus $750 Excess — $242 per month
Qantas Silver Plus Select Hospital — $264 per month
Silver Corporate Advantage Hospital Plus $750 Excess — $265 per month
Silver Select Hospital Plus $750 Excess — $270 per month
Apia Silver Hospital Plus $750 Excess — $271 per month
Seniors Silver Plus Hospital $750 Excess — $273 per month
ING Silver Plus Hospital $750 Excess — $275 per month
Silver Advantage Hospital Plus $750 Excess — $279 per month
Qantas Silver Plus Advanced Hospital $750 Excess — $280 per month
AAMI Silver Advantage Hospital Plus $750 Excess — $282 per month
Suncorp Health Insurance Silver Advantage Hospital Plus $750 Excess — $282 per month
Real Silver Plus Hospital $750 Excess — $286 per month
Apia Silver Premium Hospital Plus $750 Excess — $303 per month
$141$473
Gold9 nib policies
Median$308105 open policies · 24 funds
Gold Executive Hospital — $215 per month
Gold Corporate Assured Hospital — $290 per month
Gold Corporate Top Hospital $750 Excess — $324 per month
Qantas Gold Top Hospital $750 Excess — $496 per month
AAMI Gold Hospital $750 Excess — $499 per month
Suncorp Health Insurance Gold Hospital $750 Excess — $500 per month
ING Gold Hospital $750 Excess — $500 per month
Seniors Gold Hospital — $500 per month
Real Gold Hospital $750 Excess — $501 per month
$192$600
nib policyMiddle 50% of the marketMarket medianFull market range

VIC, single cover, monthly premiums before rebate. Plus variants are folded into their base tier. Combined policies are excluded.

Extras pricing

How nib's extras cover prices compare

Extras-only policies grouped by what they actually cover, using the same VIC single cohort selected above.

Everyday extras8 nib policies
Median$3381 open policies · 26 funds
DentalPass — $4 per month
Ambulance Only — $5 per month
Value Extras — $22 per month
Basic Extras — $35 per month
AAMI Starter Extras — $35 per month
Suncorp Health Insurance Starter Extras — $35 per month
Qantas Starter Extras — $43 per month
Corporate 50 Benefits — $68 per month
$4$129
Mid extras27 nib policies
Median$7086 open policies · 22 funds
AAMI Starter Boost Extras — $51 per month
Corporate Basic Extras — $51 per month
ING Essential Extras — $52 per month
Apia Essential Extras — $53 per month
Qantas Basic Extras — $54 per month
Core Extras — $54 per month
Suncorp Health Insurance Everyday Extras — $54 per month
Real Starter Extras — $56 per month
Seniors Essentials Extras — $58 per month
Core and Young at Heart Extras — $72 per month
Qantas Kickstart Extras — $74 per month
Core Extras Boost — $79 per month
Corporate 60 Benefits — $82 per month
ING Everyday Extras — $83 per month
Apia Classic Extras — $83 per month
Real Lifestyle Extras — $83 per month
Seniors Active Extras — $84 per month
Apia Essential and Advanced Extras — $85 per month
Core and Wellbeing Extras — $85 per month
Qantas Lifestyle Extras — $88 per month
Core Boost and Young at Heart Extras — $97 per month
Core, Wellbeing and Young at Heart Extras — $103 per month
Core Boost and Wellbeing Extras — $111 per month
Apia Classic and Advanced Extras — $111 per month
Qantas Active Extras — $119 per month
Seniors Advantage Extras — $120 per month
Core Boost, Wellbeing and Young at Heart Extras — $129 per month
$18$262
Top extras38 nib policies
Median$115219 open policies · 27 funds
Dental Boost — $62 per month
Corporate Basic Extras 65% — $70 per month
Core and Family Extras — $82 per month
Qantas Family Extras — $85 per month
Executive Health 60 — $85 per month
Corporate Mid Extras 65% — $98 per month
Core, Family and Young at Heart Extras — $100 per month
AAMI Everyday Active Extras — $102 per month
Corporate 70 Benefits — $103 per month
Suncorp Health Insurance Mid Extras — $106 per month
Core Boost and Family Extras — $108 per month
Executive Health 70 — $112 per month
ING Everyday Advanced Extras — $113 per month
Core, Family and Wellbeing Extras — $114 per month
Corporate Standard Extras — $114 per month
Real Advanced Extras — $116 per month
Corporate Mid Extras 80% — $120 per month
Advantage Extras — $122 per month
Core Boost, Family and Young at Heart Extras — $126 per month
Premium Extras — $131 per month
Corporate 80 Benefits — $139 per month
Core Boost, Family and Wellbeing Extras — $139 per month
AAMI Premium Active Extras — $142 per month
Seniors Top Extras — $142 per month
Real Top Extras — $143 per month
Executive Health 80 — $144 per month
Corporate Top Extras 80% — $144 per month
Suncorp Health Insurance Top Extras — $156 per month
Corporate Advantage Extras — $160 per month
Qantas Top Extras — $172 per month
Corporate Top Extras — $174 per month
ING Premium Extras — $181 per month
Corporate Top Extras 90% — $184 per month
Corporate 90 Benefits — $191 per month
Top Extras — $192 per month
Apia Premium Extras — $193 per month
Corporate Executive Extras — $200 per month
Executive Health 90 — $229 per month
$16$295
nib policyMiddle 50% of the marketMarket medianFull market range
Everyday extras
General dental and everyday services — no major dental
Mid extras
Major dental covered, orthodontics not covered
Top extras
Major dental and orthodontics both covered

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Prices shown are PHIO-listed base premiums before the Australian Government Rebate and any age-based discount, sourced from the Government's Private Health Information Statement data (August 2026). Comparify compares a subset of these funds through its advisors.