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Author: i | 2025-04-24

Life Living Insurance is provided by nib nz insurance limited and is a related company of nib nz limited (nib). nib nz insurance limited issues and underwrites Life Living Insurance Home Loan Insurance, Life Living Insurance, Life Insurance and Credit Card Repayment Insurance is provided by nib nz insurance limited and is a related company of nib nz limited ( nib ). nib nz insurance limited is the insurer of these products and is solely responsible for claims under the cover. nib sells and may advise you on these

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Manipulate this Offer.Personal information will be collected by nib Travel and Costco Wholesale Australia for the purpose of conducting and promoting this Offer, and to assist Costco Wholesale Australia to improve its services. By claiming this Offer, each Eligible Customer consents to storage and use of their personal information by nib Travel in accordance with its Privacy Policy (at and Costco Wholesale Australia in accordance with its Privacy Policy ( If the personal information is not provided, the customer may be unable to participate in this Offer.nib Travel Insurance “10% off” Terms and Conditions These Terms and Conditions apply to the nib Travel Insurance 10% Discount Offer (nib Offer).The Promoter is nib Travel Insurance nib Travel Insurance Distribution Pty Limited, ABN 40 129 262 175, AR 336467 is an authorised representative of nib Travel Services (Australia) Pty Ltd (nib), ABN 81 115 932 173, AFSL 308461 and act as nib's agent and not as your agent. This is general advice only. Before you buy, you should consider your needs, the Product Disclosure Statement (PDS), Financial Services Guide (FSG) and Target Market Determination (TMD) available from us. This insurance is underwritten by Pacific International Insurance Pty Ltd, ABN 83 169 311 193.The nib Offer is only available to customers who purchase an eligible nib Travel Insurance policy through the referral website or through nib Travel’s Contact Centre.The nib Offer discount applies to the total nib Travel Insurance premium when purchasing through the referral website or through nib Travel’s Contact Centre. Discounts

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Nib Travel Insurance “Up to $250 Costco Shop Card” Offer Terms and ConditionsThese Terms and Conditions apply to the nib Travel Insurance offer to purchase an eligible policy and receive “Up to $250 Costco Shop Card” (Offer).The Promoter of this Offer is Costco Wholesale Australia Costco Wholesale Australia Pty Ltd ABN 57 104 012 893 (Costco) is a distributor of nib Travel Services (Australia) Pty Ltd (nib), ABN 81 115932 173, AFSL No 308461, and receives a commission for nib products purchased through Costco. Costco acts as an agent for nib and not as your agent. Costco cannot give advice about nib products, and any factual information provided is not intended to imply a recommendation or opinion about nib products. Before you buy, read the Product Disclosure Statement, Financial Services Guide and Target Market Determination available from us. If you have a complaint about a nib product, see the Product Disclosure statement for the complaints process. This insurance is underwritten by Pacific International Insurance Pty Ltd, ABN 83 169 311 193The Offer commences at 12:00 am AET on 01 December 2024 (Offer Period).The Offer is only available to customers who:purchase an International Comprehensive Plan, International Essentials Plan, Annual Multi Trip Plan, or Australian Travel Plan excluding Cancellation and Additional Expenses Plan, through the referral website or through nib Travel’s Contact Centre during the Offer Period (Eligible Product), andprovide their eligible Costco Executive Membership Number as requested via a post-purchase communication from nib Travel Insurance(Eligible Customer)The Offer consists of providing an

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To secure for older Australians. Discover the benefits of an NSA membership Sign up to the Connect Newsletter Keep updated on technology, advocacy, lifestyle, travel and health news Disclaimer National Seniors Australia Ltd ABN 89 050 523 003 AR 282736 arranges this insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 234708. We do not provide any advice based on any consideration of your objectives, financial situation or needs. Policy terms, conditions, limits and exclusions apply. Before making a decision, please consider the relevant Product Disclosure Statement available from www.nationalseniorsinsurance.com.au. The relevant Target Market Determination is available by calling 1300 50 50 99. If you purchase this insurance, we will receive a commission that is a percentage of the premium. Ask us for more details before we provide you with services.National Seniors Australia Ltd, ABN 89 050 523 003, AR 282736 is an authorised representative of nib Travel Services (Australia) Pty Ltd (nib), ABN 81 115 932 173, AFSL 308461 and act as nib's agent and not as your agent. This is general advice only. Before you buy, you should consider your needs, the Product Disclosure Statement (PDS), Financial Services Guide (FSG) and target="" market="" determination="" (tmd)="" available="" from="" us.="" this="" insurance="" is="" underwritten="" by="" pacific="" international="" pty="" ltd,="" abn="" 83="" 169="" 311="" 193="">Target Market Determination available from us. This insurance is underwritten by Pacific International Insurance Pty Ltd, ABN 83 169 311 193.Information contained on this website is general information only.. Life Living Insurance is provided by nib nz insurance limited and is a related company of nib nz limited (nib). nib nz insurance limited issues and underwrites Life Living Insurance

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NIB Rate Sheet- July 2024 7/31/2024 5:58:34 PM National Insurance adjustments to the insurable wage, pensions and grants ensures that workers can insure more of their income and that Benefits offered remain relevant and adequately meet the needs of Bahamians by staying in line with inflation. This adjustment (increase) in the insurable wage ceiling is based on the change in the retail price index over the two previous calendar years plus 2%. See the new NIB Rate Sheet, effective July 2024, which outlines the increases to pensions, grants and the increase in the insurable wage ceiling. Name Comment Enter the code from the picture We are pleased to announce that The National Insurance Board of The Bahamas (NIB) is partnering with the Department of Inland Revenue..... The National Insurance Board wishes to advise the public that the San Salvador Local Office will CLOSE today, January 29, 2025 due to unforeseen circumstances. NIB is presenting at the Grand Bahama Chamber of Commerce meeting on Wednesday, January 29, 2025. Our featured presenter: Mrs. Indira Kinglocke-Archer, Assistant Director of Compliance and Contributions will present on some of the recent amendments to the National Insurance Act & Regulations. Public Notice - Temporary Office Closure Fox Hill Sub Office The National Insurance Board (NIB) is pleased to announce the official signing of the 2025- 2029 Industrial Agreement between NIB and the Public Managers Union (PMU). This momentous occasion represents months of discussions, careful deliberation, and the successful culmination of negotiations. The National Insurance Board (NIB) has been informed of a potential national sick-out involving members of the Union of Public Officers (UPO) over the next three days as a result of stalled negotiations.....

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NIB is Partnering with the Department of Inland Revenue at their Financial Symposium 3/21/2025 5:21:36 PM We are pleased to announce that The National Insurance Board of The Bahamas (NIB) is partnering with... read more... Public Notice - Temporary Office Closure - San Salvador Local Office 1/29/2025 4:10:57 PM The National Insurance Board wishes to advise the public that the San Salvador Local Office will CLO... read more... Grand Bahama Chamber of Commerce meeting on Wednesday, January 29, 2025 1/27/2025 12:12:33 PM NIB is presenting at the Grand Bahama Chamber of Commerce meeting on Wednesday, January 29, 2025. Ou... read more... Public Notice - Temporary Office Closure - Fox Hill Sub Office - 23rd-January-2025 1/23/2025 3:31:37 PM Public Notice - Temporary Office Closure Fox Hill Sub Office read more... NIB and PMU Sign 2025- 2029 Industrial Agreement, Favorable for 174 Managers, In Record Time 1/17/2025 12:26:19 AM The National Insurance Board (NIB) is pleased to announce the official signing of the 2025- 2029 Ind... read more...

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Discounts when you shop at our retail partners.See the latest blockbuster with exclusive deals on movie tickets and other entertainment.Fuel your body with a range of offers for restaurants, cafes, food delivery and groceries.Save on gym visits and get great deals on running gear and active wear to help you look the part.Log into the Rewards section of your member account, or the nib App, for big discounts on activewear or fitness trackers and wearables. You’ll also find discounts on eGift cards for supermarkets, so you can save as you load up your basket with fresh, healthy foods.Feel confident going to hospitalA hospital stay can feel daunting but you don’t have to figure it all out on your own. Our Going to Hospital tool empowers you to feel more confident about the experience, from finding a specialist and choosing the right hospital, to learning the best questions to ask your specialist.We also help reduce or eliminate your ‘gap’ through our MediGap network. When our network of doctors, anaesthetists and specialists choose to participate in MediGap, they agree to charge either a No Gap or a Known Gap of up to $500, helping to reduce your out of pocket expenses and giving you more cost certainty.7 Going to hospital? Here’s why you should contact nib first.Know you’re covered in an emergencyWhile you can’t exactly plan for an accident or emergency, nib helps you feel prepared with Accidental Injury Benefit. If you have an accident and present for treatment within 72 hours, you’ll receive benefits in line with our top hospital cover for the following 90 days10.If your state government doesn’t cover ambulance services, nib has you covered with unlimited emergency ambulance11 trips, no matter which Hospital or Extras cover you choose. Ambulance costs can add up fast, our members saw an average claim of $1,000 in 202312, so having private health insurance can save you from unexpected expenses. Emergency ambulance cover helps you get the care you need when it matters most.Make your health insurance work for you Health insurance should fit your changing health and lifestyle needs, so it’s important to review your health insurance cover regularly to make sure it’s keeping up. And if your circumstances have changed – for example, you’re planning to start a family, or your healthcare needs have increased – a health insurance cover review is definitely worthwhile.At nib, we offer a range of options for hospital, extras and combined covers, as well as the opportunity to increase your insurance excess to help you save on your monthly premium. If you’re looking to get more bang for your buck on health insurance, staying on top of what you’re covered for is a great place to start.Unsure where to start? Log in to your member account or the nib App to check what you’re covered for or give us a call on 13 16 42 to review your cover.1Eligible members must be aged 18-29 and not a dependant under the policy. Discount calculated at 2% for

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Premium isn't reached. If the policy renews, the price may exceed the price paid for the previous policy. Premiums are subject to change. You will be responsible for all applicable GST and other statutory charges. DISCOUNTS: All discounts are applied before government charges, taxes, levies and fees, including instalment processing fees (as applicable). The full extent of all discounts may therefore be impacted. All rights are reserved to change any of the discount offers at any time. Online discounts below apply to the first year's premium paid for a new ING Insurance policy purchased online for approved applicants only. Online discounts do not apply to any renewal offer of insurance. ING Home and Contents Insurance: 30% discount on combined Home & Contents Insurance, 15% for Home only or Contents only Insurance policies. ING Car Insurance: 15% discount on Comprehensive, Third Party Property Only and Third Party Property, Fire & Theft Car Insurance policies. ING Motorcycle Insurance: 15% discount on Comprehensive, Third Party Property Only and Third Party Property Fire & Theft Motorcycle Insurance policies. ING Pet Insurance: 15% discount on a Pet Insurance policy. Health Insurance 4% Direct Debit discount: Set up a direct debit from your bank, building society or credit union cheque or savings account for a discount of 4% off your premiums when you pay by direct debit. You can change or update your direct debit details by logging in to member services, going to 'My Policy' and selecting 'Payments'. Recognised providers: A recognised provider is someone who provides a health service, like a dentist, optometrist, remedial massage therapist or physiotherapist who meet the following criteria: (i) They must work in a private practice; and (ii) They must have professional qualifications recognised by our partner nib. Re-serving waiting periods when switching: Applies only where there is a break in cover of 59 days or less. Waiting periods will apply for services not currently covered, services with higher benefits or where waiting periods haven't been fully served. Where the excess on the new product is lower than the excess on the previous cover, the excess on the previous cover will apply until the unexpired waiting period has been served. ING Health Insurance is issued by nib health funds limited ABN 83 000 124 381 (nib), a registered private health insurer, and is marketed by ING Bank (Australia) Limited (ABN 24 000 893 292) (ING). ING is an authorised agent of nib and receives commission from nib. An ING Health Insurance policy issued does not represent a deposit with or liability of, and is not guaranteed or otherwise supported by, ING or its related bodies corporate. The information contained in this website has been prepared by ING. This information. Life Living Insurance is provided by nib nz insurance limited and is a related company of nib nz limited (nib). nib nz insurance limited issues and underwrites Life Living Insurance Home Loan Insurance, Life Living Insurance, Life Insurance and Credit Card Repayment Insurance is provided by nib nz insurance limited and is a related company of nib nz limited ( nib ). nib nz insurance limited is the insurer of these products and is solely responsible for claims under the cover. nib sells and may advise you on these

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Your health insurance can be a valuable tool in managing your health and accessing quality healthcare services. But getting the most out of your cover means going beyond paying your premiums and lodging claims.At nib, we know that every healthcare dollar counts and we’re passionate about helping you get the most bang for your buck, no matter what type of cover you have. From paying less on your premiums to accessing free health tools and saving money on groceries, find out how to maximise your health insurance benefits at every stage of life.Make sure you’re taking advantage of health insurance discountsWho doesn’t love the feeling of scoring a great deal? We offer a range of discounts on our premiums, so you can get more for even less.Save 4% on your premiums simply by paying by direct debit from your bank account. You can change the way you pay easily through your member account or the nib App. Find out how to unlock your 4% direct debit discount.If you’re aged between 18 and 29, you can receive a discount of up to 10% on private hospital cover, known as the age-based discount1. As long as you remain on eligible hospital cover, you’ll keep this discount until you turn 41. So if you’re under 30 right now, don’t sleep on this great discount.Get 10% off 2 an nib Travel insurance plan and protect your wellbeing while you’re away. Going on an adventure? Make sure your travel insurance will keep you protected.Before you keep reading for ways to save and make the most of your health insurance, ensure you’re familiar with some commonly used health insurance terms.Reduce your out-of-pocket expensesNow you’re paying less on your premiums, find out where you can save on healthcare appointments and out of pocket expenses. Through our nationwide nib First Choice network3, you have access to thousands of leading healthcare professionals who provide agreed rates and other offers for nib members.This means that dentists, physios and optical providers in the First Choice network generally charge fees lower than what they might charge other private health insurance patients, while still maintaining the same quality of care.Want to eliminate out of pocket expenses altogether? Eligible members can access No Gap offers on dental, physio and optical services. This means more money back in your pocket while still getting the essential health services you need.Get 100% back on preventative dental check-ups with participating dentists. Visit the No Gap dental page for a full list of inclusions4.Visit an nib First Choice physio provider and get 100% back on your initial consultation5.Through our partnerships with well-known optical brands, you can get access exclusive No Gap and discounted optical packages6.Read more about how the nib First Choice network can save you money or find a provider near you.How can I reduce my hospital expenses?We also have special agreements with many hospitals and providers to help you pay less out of pocket for certain procedures. These include:No Gap7 hip and knee replacements with an orthopaedic

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Each year an eligible member is aged under 30, to a maximum of 10% for 18 to 25 year olds. Not available to dependents on the Policy. If you have a partner on the Policy, the total discount will be an average of your individual age-based discount. Discount applies until age 41, and reduces by 2% per year until removed. Visit the website for more detail.2The discount applies to the total nib travel insurance premium and is for customers that currently hold an Australian health insurance product, an Overseas Student Health Cover product or an Overseas Visitors Health Cover product with nib. Discounts do not apply to the rate of GST and stamp duty or any changes you make to the policy. nib has the discretion to withdraw or amend this discount offer at any time. This discount cannot be used in conjunction with any other promotional offer or discount.3nib First Choice providers (i.e. our network) offer competitive fees for many commonly claimed treatments and consultations. These fees are reviewed at least annually and are subject to change. Always check nib.com.au/health-services/find-a-provider before booking to see if your provider participates or simply ask your provider if they are part of nib’s network at the time of booking. Providers occasionally leave the nib First Choice network so it’s important to check before booking to avoid disappointment. Annual limits and T&Cs apply.4Payment by nib of dental benefits is subject to serving relevant waiting periods, annual limits and service limits. Check your cover by visiting your member account or call 13 16 42. The dental check-up covers an examination or consultation (011 to 015), diagnostics (022, 037) scale and clean (114, 115) or removal of plaque (111), fluoride treatment (121) as deemed necessary and appropriate in the clinical opinion of the dentist (dentures not included). The services provided will be deducted from your annual limits and/or service limits. The No Gap offer is not to be used in conjunction with any other offer or government scheme, nor substitutable or redeemable for cash and is only available with dentists who have a No Gap First Choice Network provider agreement with nib.5100% refers to 100% of the First Choice agreed rate. This No Gap offer is only available for an in-person initial consultation (item 500) which refers to the first session provided by the practitioner in respect of an injury, or the first session in a new episode of care for the same injury. This excludes follow-up consultations, long consultations, telehealth consultations and group classes. Payment by nib of physio benefits is subject to waiting periods, annual limits and service limits. nib Fund Rules and Policy booklet terms apply. Check your cover by visiting your member account or call 13 16 42. The services provided will be deducted from your annual limits and/or service limits. It cannot be substituted or redeemed for cash.6Claiming optical benefits is subject to your chosen level of Extras cover, relevant waiting periods being served, and sufficient annual limits remaining. Benefits only. Life Living Insurance is provided by nib nz insurance limited and is a related company of nib nz limited (nib). nib nz insurance limited issues and underwrites Life Living Insurance Home Loan Insurance, Life Living Insurance, Life Insurance and Credit Card Repayment Insurance is provided by nib nz insurance limited and is a related company of nib nz limited ( nib ). nib nz insurance limited is the insurer of these products and is solely responsible for claims under the cover. nib sells and may advise you on these

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Payable on prescription Optical Appliances. nib Fund Rules and Policy booklet terms apply. Stock and brands are subject to availability and may vary from store to store. Lens upgrades such as tinting, coating or hardening of lenses not included unless specified. Not available in conjunction with any other offer or discount, unless specified. Present your valid health fund card in store to redeem these offers. Offer available to eligible members of nib and health insurance brands underwritten by nib. Offers are not redeemable for cash.7When a specialist chooses to participate in MediGap for your procedure they agree not to charge a gap fee (also known as an out-of-pocket expense) for their services. Cover depends on level of cover, policy exclusions, waiting periods, hospital excess and limits and whether you go to an nib Agreement Hospital, a non-agreement private hospital or a public hospital. Out-of-pocket expenses may apply. For example, if your anaesthetist is not covered under nib’s GapSure, you will have to pay the gap fee. Find out more information on the website.8Available to eligible nib members who’ve held Hospital Cover for 12 months and served their relevant waiting periods. Additional criteria vary according to each program. Contact us for more information and to confirm your eligibility for a program.9T&Cs apply. Some offers may vary or be available for a limited time. Payments for eGift cards made by debit/credit card incur a 1% processing fee. nib Rewards are available to new members after 30 days of active membership, provided premium payments are up to date. For more information on member rewards, visit the nib Rewards page.10Includes admission to a private hospital, or as a private patient in a public hospital. Excludes consultations and treatments performed at an Emergency Department. T&Cs apply. 111 day waiting period applies. Not available to QLD or TAS residents when covered by their State Ambulance Schemes or pension, concession and health care card holders who have ambulance services provided by State Ambulance Schemes (check entitlements with Centrelink if unsure).12Average ambulance charge incurred by nib members between July 2022 and June 2023 (excluding TAS and QLD residents).