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Golden Leaves, Golden Savings: 9 weeks free health cover.

9 weeks free

9 weeks free with ING Health Insurance when you take out combined Hospital and Extras cover by 28 May 2026.

Eligibility criteria and T&Cs apply.

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Why ING Health Insurance?

No Gap dental

Make the most of your Extras cover with No Gap preventative dental check - ups from participating dental practitioners5

4% off when you pay by direct debit2

That's just over 2 weeks free a year

Claims made simple

Claim online anytime it suits. If you can't claim on the spot, simply upload a picture of your receipt and we'll do the rest. Check on your activity and limits with a few clicks

No Gap Optical

Enjoy No Gap optical offers at Specsavers and other optical partners6

Emergency ambulance

For greater peace of mind in case of accidents, all covers include unlimited emergency ambulance (excluding those covered by state ambulance schemes more info)

Up to 75% back on Extras3

Claim back on extras like dental, physio and more

See our Policy Booklet for general terms of ING Health Insurance cover and our product Fact Sheets for specific cover details, waiting periods and exclusions. Check ING's Customer Eligibility and Name Screening document to understand ING's regulatory obligations and how we use your information to comply.

Important information

Get a quote

We've made switching simple

With ING Health Insurance we'll recognise any waiting periods you've already served for the same services with your previous health fund. Find out more.

1

Get a quick quote

Answer a few simple questions online to review cover options and prices.

2

Review and purchase

Choose your preferred cover and let us know the name of your old insurer.

3

Let us start your transfer

We'll contact your previous insurer and get the transfer paperwork started.

Get a quote

Cover choices explained

With ING Health Insurance you can buy Hospital and Extras covers together or separately. There are five Hospital covers and four Extras covers to suit a range of budgets and health needs.

Hospital cover

Hospital cover helps you avoid public hospital waiting lists and pays toward the cost of private treatment. From $18.92/week7 for ING Basic Plus Hospital.

Get a quote

Extras cover

Cover helps pay for those visits to healthcare professionals that keep you healthy. Extras cover is for non-hospital services like dental, optical and physio. From $8.90/week8 for ING Essential Extras.

Get a quote

Excess

$500/$750

$500/$750

$500/$750

$500/$750

$750

All covers include

Private hospital accomodation

Choice of specialist

Accidental injury benefit

Emergency Ambulance cover

Compare clinical services

Tonsils, adenoids and grommets

Dental surgery

Gastrointestinal endoscopy

Gynaecology

Hernia and appendix

Joint reconstructions

Male reproductive system

Miscarriage and termination of pregnancy

Hospital psychiatric services

MBP

MBP

MBP

MBP

Palliative care

MBP

MBP

MBP

Rehabilitation

MBP

MBP

Blood

Bone, joint and muscle

Breast surgery (medically necessary)

Chemotherapy, radiotherapy and immunotherapy for cancer

Diabetes management (excluding insulin pumps)

Digestive system

Ear, nose and throat

Eye (not cataracts)

Kidney and bladder

Pain management

Skin

Lung and chest

Podiatric surgery (provided by a registered podiatric surgeon)

Back, neck and spine

Heart and vascular system

Implantation of hearing devices

Plastic and reconstructive surgery (medically necessary)

Cataracts

Dialysis for chronic kidney failure

Joint replacements

Assisted reproductive services

Pain management with device

Insulin pumps

Pregnancy and birth

Sleep studies

Weight loss surgery

Important Information

Cancer treatment in hospital - it is important to be aware that health insurance will only cover the portion of costs that relate to an admission to hospital. Specialist fees outside of hospital or other outpatient fees in relation to chemotherapy or radiotherapy aren't covered. High cost drugs are sometimes requested for the Treatment of some cancers. Typically high-cost drugs are for newer Treatments that are not recognised by the Pharmaceutical Benefit Scheme (PBS) because the PBS considers them to be still under clinical trial and therefore experimental Treatments. Health insurance will not cover high cost drugs for the same reasons (or may only cover a small portion of the cost). It is the responsibility of the treating doctor, and Hospital, to inform Patients about the potential for large out-of-pockets as a result of high cost drugs.

Minimum Benefits Payable (MBP) means that we will pay the minimum amount of benefits that we are required to pay under the Private Health Insurance Act, to or on behalf of a customer for hospital treatment under a Hospital cover. If you're attending a Private Hospital for these services, there will be significant out-of-pocket costs.

INCL - Hospital Treatment provided by a registered Podiatric Surgeon is limited to cover for accommodation and prosthetic devices. No benefits are payable for Podiatric Surgeon fees, medical specialist fees (e.g. Anaesthetist) or theatre costs. Refer to the Policy Booklet for more information.

Percentage Back

60%

60%

60%

75%

Compare Extras services (values are annual limits)

Ambulance services

Unlimited

Unlimited

Unlimited

Unlimited

General dental treatment

$500

$600

$700

$1,000

Major dental treatment

$400

$600

$700

$1,200

Physiotherapy

$300 combined limit with Chiropractic / Osteopathy

$300

$350

$500

Chiropractic / Osteopathy

$300 combined limit with Physiotherapy

$300

$350

$400

Optical

$200

$250

$250

$300

Psychology

$150

$300

$300

$400

Preventative tests

$150

$150

$200

Natural Therapies (including Acupuncture, Myotherapy and Chinese herbalism)

$150 combined limit

$150 combined limit

$200 combined limit

Remedial massage

$150

$150

$200

Dietary advice

$300

$300

$350

Exercise physiology

$200

$200

$250

Healthier Lifestyle benefit (including gym memberships, personal, quit smoking and weight loss programs)

$150

$150

$200

Health Aids - Everyday

$250 combined limit

Health Aids - Advanced

$250 combined limit

Health Aids - Premium

$400 combined limit

Orthodontia

$500 (Increasing by $100 per calendar year to a lifetime limit of $1700)

$800 (Increasing by $100 per calendar year to a lifetime limit of $2500)

Pharmaceutical prescriptions

$200

$450

Podiatry / Orthotics

$250

$400

Occupational therapy

$250

$300

Speech pathology (speech therapy)

$250

$300

Hearing aids / Speech processors

$1,200

Antenatal and Postnatal services

$250

Eye therapy (orthotics)

$200

Home nursing services

$200

Documents and forms

Below are some of the documents important for you to consider.

Important documents

Health Insurance Policy Booklet

General terms and important information about ING Health Insurance effective 1 October 2024.

View document

ING Privacy Policy

View document

ING Customer Eligibility and Name-Screening document

View document

nib Privacy Policy

View document

Hospital and Extras Fact Sheets

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Important information

Health Insurance

24% 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. This equates to a saving of just over 2 weeks of premiums each year when you maintain your direct debit arrangement. You can change or update your direct debit details by logging in to member services, going to 'My Policy' and selecting 'Payments'.

360% or 75% back dependent on Extras product. Applicable waiting periods and annual limits apply. Recognised providers only. T&Cs and exclusions apply.

4A 1-day waiting period applies. Not available to (i) QLD residents covered by state ambulance schemes; (ii) TAS residents covered under state ambulance schemes in TAS and on the mainland (except SA and QLD); or (iii) pension, concession, and health care card holders with state-provided ambulance services.

5Dental benefits are subject to Fund Rules, waiting periods and annual/service limits. A dental check-up includes an examination/consultation (011-015), diagnostics (022, 037), scale and clean (114, 115), plaque removal (111), and fluoride treatment (121) as deemed necessary by the dentist (excludes dentures). The No Gap offer applies only to No Gap First Choice providers, cannot be combined with other offers/government schemes, and is not redeemable for cash.

6Stock and brands vary by store. Exclusions include safety glasses, lens upgrades and add-ons. Cannot be combined with other offers unless specified. Subject to Extras cover, waiting periods and annual limits with benefits applying only to prescription Optical Appliances as per Fund Rules and Policy Booklet. Not redeemable for cash.

7Price is based on a Single in NSW with Basic Plus Hospital cover and is accurate as of 1 April 2026. The price includes the Australian Government Rebate for a Single aged < 65 with a taxable income of $101,000 or less in the financial year ending 30 June 2026, includes age-based discount, $750 excess per calendar year and assumes a Lifetime Health Cover loading of 0% for your hospital price.

8Price is based on a Single in NSW with Essential Extras cover and is accurate as of 1 April 2026. The price includes the Australian Government Rebate for a Single with a taxable income of $101,000 or less in the financial year ending 30 June 2026, and aged < 65.

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. 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 included is current as at the date of this email and subject to change. All rights are reserved to change any offer and/or discount without notice. We, us, our means nib health funds limited.

ING Bank (Australia) Limited cannot advise on financial or tax matters. Any information provided to you is general in nature and does not take account of your individual circumstances. You should obtain your own independent financial advice.

ING Health Insurance policies are subject to the ING customer eligibility and name screening assessment at inception and while holding the product. Please refer to the Customer Eligibility and Name Screening document.

ING Health Insurance "9 weeks free April & May 2026" Offer

Terms and Conditions

  1. These Terms and Conditions apply to the ING "9 weeks free April & May 2026" ("Offer"). This Offer and these Terms and Conditions are issued by nib health funds limited ABN 83 000 124 381 ("nib"). By joining, claimants agree to be bound by these conditions.
  2. The Promoter is ING Bank (Australia) Limited ABN 24 000 893 292 of 60 Margaret Street, Sydney, Australia. ("Promoter" or "ING").
  3. The Offer commences at 12:00 am (AET) on 1 April 2026 and closes at 11.59pm (AET) on 28 May 2026 ("Offer Period"). Policies purchased after 11.59pm (AET) on 28 May 2026 will not be eligible for the Offer.
  4. This Offer is open only to Australian citizens, permanent residents of Australia, or those who are entitled to full reciprocal rights under Medicare, registered for Medicare and listed on an active Medicare card, who are 18 years or over as at the date of joining (being the date of completion of join) ("Eligible Members").
  5. The Offer is only available to Eligible Members who join an ING Health Insurance combined Hospital and Extras product ("Eligible Product") through ING's approved channels during the Offer Period. The Offer does not apply to the purchase of any other private health insurance product issued by nib, or any member moving from one of these products to an Eligible Product. The Offer excludes any non-health related insurance products (e.g. Travel).
  6. nib may request proof of age, identity and residency to the extent required to ensure the Eligible Member meets the requirements for joining the Eligible Product.
  7. For clarity, Eligible Members who join an Eligible Product (during the Offer Period), which has a policy start date outside of the Offer Period, can qualify for the Offer subject to their compliance with these Terms and Conditions (including, but not limited to, the Eligibility Requirements).
  8. The Offer consists of adjusting the "paid to" date on the qualifying policy to reflect the reduction off the premium payable for an amount equating to 9 weeks (calculated as 63 days) of the annual premium.
  9. To receive the Offer, Eligible Members must:
    1. successfully join an Eligible Product during the Offer Period through one of ING's approved channels (using the ING website ing.com.au or ING call centre);
    2. maintain the Eligible Product up to the date of the Offer being applied to the active policy, being 24 June 2026 (Fulfilment Date) for policies purchased between 1 April 2026 and 30 April 2026, and 29 July 2026 (Fulfilment Date) for policies purchased between 1 May 2026 and 28 May 2026. The Offer will be forfeited if the Eligible Member is not an active policyholder on this date.
    3. not be a current policyholder of a product issued by nib (including nib Health Insurance, nib Overseas Students Health Insurance, nib International Workers Health Insurance, nib Corporate Private Health Insurance, GU Health Insurance, AAMI Health Insurance, Apia Health Insurance, Suncorp Health Insurance, ING Health Insurance, Real Health Insurance, Seniors Health Insurance, Qantas Health Insurance) at the time of joining the Eligible Product, or have cancelled any of these policies 6 months before or during the Offer Period; and
    4. not be an employee of the Promoter or nib, (together the Eligibility Requirements).
  10. Limit of one Offer per policy for each Eligible Product commenced during the Offer Period.
  11. The Offer cannot be combined with any other offer or promotion unless otherwise stated.
  12. If an Eligible Member has satisfied the Eligibility Requirements, nib will contact the Eligible Member to confirm they have qualified for the Offer and that the "paid to" date on their policy has been adjusted to credit their policy in accordance with clause 8 of these Terms and Conditions.
  13. Each Eligible Member acknowledges that the Offer cannot be redeemed for cash, returned for a refund, or be replaced after expiry and is not legal tender, an account card, a credit or security.
  14. Subject to any rights any person has under any law, nib and the Promoter exclude all liability to the maximum extent allowed by law, for any loss or damage (including loss of opportunity, profits or business) in relation to or resulting from this Offer.
  15. Nothing in these Terms and Conditions restricts, excludes, modifies or purports to restrict, exclude or modify any statutory consumer rights under any applicable law including the Competition and Consumer Act 2010 (Cth).
  16. Nib may at any time, amend or withdraw all or any part of this Offer and substitute with another Offer of equal or greater value. Eligible Members will not be entitled to any compensation in the event that the Offer or element of the Offer has been substituted at equal or greater value.
  17. nib are not responsible for any undelivered emails due to an Eligible Member's spam filters or email settings.
  18. nib reserves the right to disqualify from receipt of the Offer any persons that provides false information or who seeks to gain an unfair advantage or to manipulate this Offer.
  19. Personal information will be collected by nib for the purpose of conducting and promoting this Offer, and to assist nib to improve its services. By claiming this Offer, each Eligible Member consents to storage and use of their personal information by the Promoter in accordance with its Privacy Policy (at https://www.ing.com.au/privacy.html) and nib's Privacy Policy (at https://www.nib.com.au/legal/privacy-policy). If the personal information is not provided, the member may not participate in this Offer.