Get 2 months free with
ING Health Insurance

2 months free

Take out combined Hospital and Extras cover and grab a healthy saving - 2 months free, plus we'll waive the 2 and 6 month wait on Extras! Offer ends 1 September 2025. Eligibility criteria and T&Cs apply.

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Why ING Health Insurance?

Cover options to suit your lifestyle

Whether it's just for the basics or cover for the whole family, we've got options. Plus enjoy an ongoing 4% discount for direct debit payments.

Gold member treatment

Find out how you can get Gold-level Hospital benefits if you have an accident with our Accidental Injury Benefit.

No surprises on Extras

Go to any provider with recognised professional qualifications for Extras like dental and physio. Plus get 60 - 75% back depending on your level of cover.

Easy switching

Switching from another provider is simple and easy. We'll get the transfer paperwork started for you. And you don't need to re-serve waiting periods you've already served for the same level of cover.

Emergency ambulance

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

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.

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

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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.

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.

Get a quote

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.

ING Privacy Policy
ING Customer Eligibility and Name-Screening document
nib Privacy Policy
Hospital and Extras Fact Sheets
ING Basic Plus Hospital
Essential Extras
ING Bronze Plus Hospital
Everyday Extras
ING Silver Hospital
Everyday Advanced Extras
ING Silver Plus Hospital
Premium Extras
ING Gold Hospital
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Important information

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. 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'.

Switching: You may not need to re-serve waiting periods when switching but 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.

Accidental Injury Benefit: The availability of Accidental Injury Benefit is dependent on your chosen Hospital product. The Benefit gives you access to benefits in line with our Gold Hospital cover for 90 days where you seek treatment with a medical practitioner or attend a hospital emergency department within 72 hours of an accident and are then admitted to hospital. Additional T&Cs apply, please refer to the Policy Booklet.

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.

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 is Australia's most recommended bank according to RFI Global's Consumer Atlas Survey, August 2024 - January 2025 (n = 29,182) when compared to customers of the 10 largest ADIs operating in Australia. ING is Australia's fifth largest main financial institution (MFI) with 5% of market share according to RFI Global's Consumer Atlas Survey, August 2024 - January 2025 (n = 29,182). MFI is defined as the bank that the consumer says is their main financial institution.

NB: 10 Largest ADI's are CBA, Westpac, NAB, ANZ, Macquarie, ING, Bendigo, Suncorp, BOQ, HSBC

*Competitor set for AFR NPS position excludes Up bank and Ubank

ING Health Insurance "2 Months Free June to August 2025" Offer

Terms and Conditions

  1. These Terms and Conditions apply to the ING "2 Months Free June to August 2025" ("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 17 June 2025 and closes at 11.59pm (AET) on 01 September 2025 ("Offer Period"). Policies joined after 11.59pm (AET) on 01 September 2025 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 2 months (calculated as 60 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 September 2025 (Fulfilment Date) for policies purchased between 17 June 2025 and 31 July 2025, and 29 October 2025 (Fulfilment Date) for policies purchased between 01 August 2025 and 01 September 2025. 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, Priceline 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. have a valid email address applied to their policy; and
    5. must 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 excludes 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.
ING Health Insurance "2 and 6 Month Waiver June to August 2025" Offer

Terms and Conditions

  1. These Terms and Conditions apply to the ING "2 and 6 Month Waiver" ("Waiver"). 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 000893 292 of 60 Margaret Street, Sydney, Australia. ("Promoter" or "ING").
  3. The Waiver commences at 12:00 am (AET) on 17 June 2025 and closes at 11.59 pm (AET) on 01 September 2025 (Waiver Period).
  4. The Waiver 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 Waiver 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 Waiver Period. The Waiver 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 Waiver 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 Waiver Period), which has a policy start date outside of the Waiver Period, can qualify for the Waiver subject to their compliance with these Terms and Conditions (including but not limited to the Eligibility Requirements).
  8. The Waiver consists of waiving the 2 and 6 month waiting period for Eligible Members on all Extras services that normally require a 2 or 6 month waiting period under the relevant Eligible Product.
  9. To receive the Waiver, Eligible Members must:
    1. successfully join an Eligible Product during the Waiver Period through one of ING's approved channels (using the ING website ing.com.au or ING call centre);
    2. 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, Priceline 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 Waiver Period; and
    3. have a valid email address applied to their policy; 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 Waiver cannot be combined with any other offer or promotion unless otherwise stated.
  12. nib will apply the Waiver at the policy start date of the Eligible Product.
  13. Each Eligible Member acknowledges that the Waiver 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 excludes 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 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 any part of this Waiver and substitute with another Offer of equal or greater value. Eligible Members will not be entitled to any compensation in the event that the Waiver or element of the Waiver has been substituted at equal or greater value.
  17. nib reserves the right to disqualify any persons that provides false information or who seeks to gain an unfair advantage or to manipulate this Offer.
  18. Personal information will be collected by for the purpose of conducting and promoting this Offer, and to assist the Promoter 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 Waiver.