About Online Services

Welcome to Online Services for Apia health insurance.

These Terms of Use apply to every person that registers an Online Services account and applies every time you use Online Services (“Online Services”). We reserve the right to monitor your use of Online Services for compliance with these Terms of Use.


Only the policy holder, their spouse and dependents who are aged 16 and over are eligible to register an Online Services account.


Once you have registered an Online Services account, it is your responsibility to maintain the confidentiality and security of your password. We are not liable for any loss or damage, or breach of privacy, you suffer as a result of the misuse of your password by any third party.

About Online Claiming

You should submit your provider’s receipt through Online Services, no more than 2 years from the date of service and will aim to pay your claim within two working dates, although we do not guarantee this target time.

We can only pay claims by direct credit into an account with a bank, building society or credit union.

You should keep a copy of your receipt in case of loss during the claim process. As a security precaution, we may suspend future claims received through Online Services or point of service facilities (e.g. HICAPS) if receipts are not submitted. We may also contact your service provider to validate the receipt of the service.

Accuracy, currency and completeness

We do not warrant the accuracy, currency or completeness of any information or material available on or through Online Services since information may change without notice. Delays in processing transactions may occur and information may not apply to your specific circumstances.


We do not guarantee that Online Services will be available to users at all times.

No data transmission over the internet can be guaranteed to be totally secure. Whilst we take reasonable steps to protect information you transmit to us through Online Services, we do not warrant and cannot ensure the security of any information which you transmit to us through Online Services. Accordingly, any information which you transmit to us is transmitted at your own risk.

When using Online Services, you must take reasonable precautions to ensure you are not exposed to the risk of computer viruses, malicious code or other forms of interference which may damage your computer system. We do not accept responsibility for any such interference or damage to your system which arises in connection with your use of Online Services.

Suspension or termination of Online Services

Your access to Online Services may be suspended or terminated at any time and without notice if:

Other than for purposes expressly authorised by these conditions, you must not copy, adapt, reproduce, store, publish or commercialise any information provided on this service without our prior written permission.

Intellectual property rights

We own or have the right to use the intellectual property rights in the content of Online Services (including copyright in all text, graphics, icons, sound recordings and software). Other than for purposes authorised by these Terms of Use, you must not copy, adapt, reproduce, store, publish or commercialise any information provided on Online Services without our prior written permission.

Copyright in the content of Online Services is the property of, or is licensed to, us. Whilst you may download information from Online Services for your personal, non-commercial use, you must not modify, copy, reproduce, republish, frame, upload, post, transmit or distribute that information in any other way without nib's prior written consent.

You must not:


We are not liable for any loss or damage whether direct or indirect howsoever caused, including negligence, arising from the use of Online Services, including but not limited to:

We exclude all warranties (whether express, implied or statutory) relating in any way to Online Services to the fullest extent nib is legally able to. Our liability for breach of any warranty implied by statute which cannot be excluded is limited to the supply of services again or, at our option, the payment of the costs of having the service supplied again.

Medical disclaimer

The health related information provided in Online Services is for general information only and is not intended to be a substitute for professional medical advice or for the care that patients receive from their healthcare professionals. We recommend that you seek medical assistance from a healthcare professional if you have any concerns that you may have a medical condition.

Privacy Statement

When you register an account and use Online Services, we collect your personal information such as:

We use your personal information to pay for health and health related services from medical providers and facilities under your health insurance policy, and may disclose your personal information to:

We may also disclose your personal information to Apia in connection with any complaints or disputes arising from your policy or claim

If you are a dependant or other customer under a policy, we may also collect personal information about you from the policy holder. We ask the policyholder to obtain your consent for us to collect your information and to provide you with information about your rights under our privacy policy to correct or access your personal information or make a complaint in relation to a privacy breach.

Laws of New South Wales

These Terms are governed by the laws of New South Wales, Australia.

Change to these Terms and Conditions

We reserve the right to amend these Terms of Use at any time without notice to you. Your continued access to and use of Online Services will be deemed as your acceptance of these Terms of Use.

We, us and Our

This Online Services portal is owned and operated by nib health funds limited ABN 83 000 124 381 (“we” “us” and “our”), the issuer and underwriter of Apia health insurance. Australian Pensioners Insurance Agency Pty Ltd ABN 14 099 650 996 is our authorised agent to promote and distribute this health cover on our behalf.

Code of Conduct

nib proudly supports and complies with the Private Health insurance Code of Conduct. Read more on the code of conduct by visiting www.privatehealthcareaustralia.org.au