Join Hospital + Extras Cover, Get 8 Weeks Free in 3rd Month & 4 Weeks Free in 13th Month, 2- & 6-Month Extras Wait Waiver @ nib

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LittleTicket on 26/02/2026 - 14:35 nib.com.au (306 clicks)
Last edited 26/02/2026 - 16:19 by 1 other user

Nice little churn after that Medibank + Finder deal (thanks @roguewolf) and money saver here for those on the health insurance merry go round. NIB offering 8 weeks free in the 3rd month and another 4 in the 13th month.

Note: Available to new members with Australian residency. Offer will be fulfilled in the 3rd and 13th month of membership.

I don’t care about your personal gripes with Health Insurance, just sharing to save you some coin coin coin coin: https://youtube.com/shorts/BS1yqwwLGqo?si=5Ij4_Lw8cflCAhsq

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  JoeyJoeJoe on 26/02/2026 - 14:52

  The NIB wording is “on Fulfilment date 1: 8 weeks free on 29 April 2026 for joins in February 2026 and 27 May 2026 for joins in March 2026”.

  So if you join on the last day of February or March, it’s actually 8 weeks free after 60/58 days (8 weeks for 8 weeks - 50% off). Solid churn. Also mind the 6 month prior customer (inc affiliate brands) exclusion.

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  YesPleaseThankYou on 26/02/2026 - 14:58

  +1

  As a longstanding and very regular health insurance churner, I'm giving this a negative vote.

  All my recent comments here continue to apply.

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    Freak00718 on 26/02/2026 - 15:04

    Any recs for the best private health insurance for pregnancy cover?

    • 

      YesPleaseThankYou on 26/02/2026 - 15:49

      -1

      No, sorry. I suggest you start your search here: https://www.privatehealth.gov.au/dynamic/search/start

    • 

      Captain Yobbo on 26/02/2026 - 16:13

      +1

      We went private for both of our kids but bear in mind you're only really covered for hospital birth & the stay afterwards. The ob/gyn we chose (Dr Pauline Joubert, Brisbane - excellent) charges a pregnancy management fee of around $5k but that includes all appointments and the delivery. You don't have to go with a private doctor but it means you'll have to rely on the PHS for checkups and then get whoever is the on-duty ob/gyn on the day at the private hospital.

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      LittleTicket on 26/02/2026 - 16:35

      +1

      Pretty sure you’re going to need to select a “gold cover” to get a private hospital stay paid for. Note that it won’t cover the OB, just the stay and you’ll need to pay excess.

      Just look up the cheapest gold cover IMO

      • 

        YesPleaseThankYou on 28/02/2026 - 11:40

        Just look up the cheapest gold cover IMO

        Yes, good advice. However, also note that some surgeons will have 'known gap' or 'no gap' arrangements with certain funds. If the OP's selected surgeon has such an arrangement, switch to that fund prior to the hospital stay.

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    Rob123 on 27/02/2026 - 11:47

    New to this forum and churning, hope you ca help.
    Signed for Medibank extras recently with offer of no waiting period and free 4 weeks, used it properly and want to cancel and take similar offer in future. Do they blacklist me if i start close like this? Thanks

    • 

      YesPleaseThankYou on 27/02/2026 - 11:49

      +1

      Do they blacklist me if i start close like this?

      See my post, here.

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  Shahaniyasir on 26/02/2026 - 16:46

  Can anyone confirm if i can get prescription glasses and cancel within few days? They won’t ask for payments any minum term? I don’t intend to keep health cover.

  • 

    YesPleaseThankYou on 26/02/2026 - 16:48

    -2

    See my comment and link above. NIB may chase you, as reported by another OzBargainer.

    • 

      Shahaniyasir on 27/02/2026 - 12:29

      Its taking me no where, can you please send link again. Thanks

      • 

        YesPleaseThankYou on 27/02/2026 - 19:02

        Unsure what's happening on your side—the link is correct and works.