Funeral Insurance

Help protect your family from the cost of your funeral.

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Health Insurance

Get up to $600 off plus skip the 2 & 6 month wait on Extras when you join a new Hospital & Extras policy by 30 June.3

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Income Protection Insurance

Protect your income and your lifestyle if you’re unable to work.

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Car Insurance

Save up to $220 with Pay As You Drive Car Insurance. Drive less. Save big!2

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The Real Concerns Index

The Real Concerns Index

From family worries to climate change fears, we recently surveyed 5,000 people across Australia to find out what their biggest concerns are and the key drivers behind these.

Take a look at the Real Concerns Index to find out more.

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Real Spotlight

Real Spotlight

We’re shining a spotlight on you and your lifestyle! Real Spotlight is your source for information on familymoney and insurance mattersretirementpets and more. Whether you’re planning your next getaway or working at your dream job, nursing a baby or playing catch with a much-loved dog – we’re keeping you in the loop with smart and simple insights that help you get ahead.


1. A discount of 10% is applied to your premium when you combine Home and Contents on one Home Insurance Policy. The discount will apply to the first 12 months of your Real Home Insurance policy. The discount will be reapplied for 12 months each time your Real Home Insurance policy is renewed so long as you continue to combine Home and Contents on one Home Insurance policy and we continue to offer the discount. Discount does not apply to taxes or government charges.

2. Savings between $0 to $220 derived from profiles based on Real Pay As You Drive customers, as of 1 March 2019. Actual savings are determined by your individual circumstances, including the kilometres selected, excess chosen and other risk factors. Minimum premiums may reduce savings.
If you find yourself coming close to your end odometer reading, you can apply for an increase at any time over the phone, subject to conditions and additional premiums. See our PDS for more details. At the time of a claim, if your car has exceeded the end odometer reading, you will need to pay an Outside odometer excess, as well as any other excesses applicable. There are some claims for which an excess does not apply.

3. This Offer is only available to new members who join a combined Real Health Insurance Hospital and Extras policy by 11:59pm (AEST) 30 June 2024. Not available to existing Real Health Insurance policyholders, other health insurance policies issued by nib, or to previous policyholders who have held health insurance with any of nib partner brands and cancelled their policy 6 months before or during the Offer Period.

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 a maximum of AUD $300 (inclusive of GST) for single policies and a maximum of AUD $600 (inclusive of GST) for couples, families and single-parent family policies. The Eligible Member must maintain the Eligible Product up to the date of the Offer being applied to the active policy, being 26 June 2024 for policies purchased between 01 April 2024 and 30 April 2024 and 31 July 2024 for policies purchased between 01 May 2024 and 31 May 2024 and 28 August 2024 for policies purchased between 01 June 2024 and 30 June 2024. The Offer will be forfeited if the Eligible Member is not an active policyholder on these dates.

In addition, 2 & 6 month waiting periods will be waived for Eligible Members on all Extras services that normally require a 2 or 6 month waiting period under the Eligible Product. The Waiver will be fulfilled at the time the Eligible Member takes out the Eligible Product. Longer waiting periods may apply for some services. See full terms and conditions.