Compare Nurses & Midwives Health health insurance


A restricted membership health fund for current and former members of a nursing/midwifery union and their families.

Fund information


Nurses & Midwives Health summary

Nurses & Midwives Health eligibility

Is Nurses & Midwives Health nonprofit? 

Does Nurses & Midwives Health get many complaints from members? 

How good is Nurses & Midwives Health's gap cover? 

How many hospital agreements does Nurses & Midwives Health have in my state? 

Does Nurses & Midwives Health offer any discounts?

Does Nurses & Midwives Health offer ambulance cover?

Does Nurses & Midwives Health offer family policies that cover adult children?

Does Nurses & Midwives Health let you claim online or in-app?

What CHOICE Community says about Nurses & Midwives Health

Nurses & Midwives Health summary

Nurses and Midwives Health

Nurses & Midwives Health was established in 2016 by Teachers Health Fund, Australia's largest industry-based health fund, to provide nurses and midwives with health cover. It's an industry-based health fund, open to members of the Australian Nursing & Midwifery Federation.

Phone: 1300 344 000

Email: info@nmhealth.com.au

Website: nmhealth.com.au

Nurses & Midwives Health eligibility

Current or former people in nursing and midwifery professions, including students and assistants, with membership in a nurses union.

For further details see their website.

Is Nurses & Midwives Health nonprofit?

Yes.

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Does Nurses & Midwives Health get many complaints from members?

Nurses & Midwives is a newcomer to the market, and doesn't have enough members for us to accurately calculate a complaints rating. We use the complaints rating of its parent fund, Teachers Health.

Nurses & Midwives Health complaints rating: Medium

When we score policies we give each fund a complaints rating, based on the number of complaints and serious disputes the Ombudsman deals with. We take into account the size of the fund, so big funds don't get automatically penalised for having more complaints.

  • The ratings are Low, Medium and High. A Low rating is better than a High rating – it means the fund has fewer complaints and fewer serious disputes for its size.

How good is Nurses & Midwives Health's gap cover?

A medical gap is the difference between Medicare's recommended fee and what your doctor actually charges for a treatment or service.

Health funds have agreements with particular doctors and hospitals to cover all of the gap, which are called 'no gap agreements', or part of that gap, which are called 'known gap agreements' (these will have lower out-of-pocket costs, usually less than $500).

Our graphic below displays the CHOICE gap rating, which takes into account the percentage of services where members either paid no gap or a known gap, compared to the state average.

Rating scale

  • Above average
  • Average
  • Below average
  • Well below average

We also display the percentage of medical services that Nurses & Midwives Health covers with no gap, and compare it to the industry average. The higher the percentage, the more effective the fund's gap scheme is in a state or territory.

Nurses & Midwives Health gap cover performance by state

Because Nurses & Midwives Health is a new fund and has had a very small number of claims, we display the gap cover performance of its parent fund, Teachers Health.

New South Wales (NSW)

Above average

Australian Capital Territory (ACT)

Above average

Victoria (Vic)

Above average

Queensland (Qld)

Above average

South Australia (SA)

Above average

Western Australia (WA)

Average

Tasmania (Tas)

Above average

Northern Territory (NT)

Above average

Percentage of medical services covered with no gap

New South Wales (NSW)

Nurses & Midwives Health – 85.7%

Industry average – 86.3%

Australian Capital Territory (ACT) 

Nurses & Midwives Health – 100.0%

Industry average – 76.7%

Victoria (Vic) 

Nurses & Midwives Health – 76.1%

Industry average – 85.0%

Queensland (Qld) 

Nurses & Midwives Health – 38.2%

Industry average – 85.1%

Tasmania (Tas) 

Nurses & Midwives Health – 100.0%

Industry average – 83.0%

How many hospital agreements does Nurses & Midwives Health have in my state?

The benefit amount your fund pays you for hospital services depends not only on the type of cover you buy, but also whether your fund has an agreement with the hospital where you're treated. 

The table below shows how many hospital agreements Nurses & Midwives Health has in your state compared to the fund with the highest number (the industry maximum). Note that public hospitals don't have agreements with specific funds and are generally treated as though they're agreement hospitals.

Nurses & Midwives Health has

ACT

5 private hospital agreements out of an industry maximum of 7
7 day hospital agreements out of an industry maximum of 8

NSW

100 private hospital agreements out of an industry maximum of 100
89 day hospital agreements out of an industry maximum of 100

NT

2 private hospital agreements out of an industry maximum of 2
1 day hospital agreements out of an industry maximum of 2

Qld

48 private hospital agreements out of an industry maximum of 58
53 day hospital agreements out of an industry maximum of 53

SA

25 private hospital agreements out of an industry maximum of 27
24 day hospital agreements out of an industry maximum of 28

Tas

5 private hospital agreements out of an industry maximum of 8
3 day hospital agreements out of an industry maximum of 6

Vic

78 private hospital agreements out of an industry maximum of 79
74 day hospital agreements out of an industry maximum of 79

WA

22 private hospital agreements out of an industry maximum of 23
23 day hospital agreements out of an industry maximum of 29
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Does Nurses & Midwives Health offer any discounts?

Discount for direct debit: None

Discount for annual prepay: None

Total discount for annual prepay via direct debit: None

Does Nurses & Midwives Health offer ambulance cover?

All Nurses & Midwives Health extras, hospital and combined policies have emergency ambulance cover.

In Victoria, Western Australia, South Australia and the Northern Territory, cover is limited to:

  •  $6000 per person per year or $12,000 per family per year.

Do you need ambulance cover?

Depending on where you live, you may not need a policy with ambulance cover. 

  • In Queensland or Tasmania, emergency ambulance services are covered by your state government. 
  • In NSW and the ACT, all hospital policies come with emergency ambulance cover – so you'll be covered with any hospital or combined policy you select. 
  • In South Australia, Victoria and the Northern Territory you can buy emergency ambulance cover directly from the ambulance service. Alternatively, some health fund policies will cover ambulance in your state or territory or refund at least part of the cost of the ambulance service cover. 
  • Rural WA: You can buy emergency ambulance cover directly from the ambulance service. Alternatively, some health fund policies will cover ambulance or refund at least part of the cost of the ambulance service cover. 
  • Metropolitan WA: If you want to be covered for ambulance you need to buy a health insurance policy with ambulance cover.

Does Nurses & Midwives Health offer family policies that cover adult children?

Yes, adult children are covered up to age 21 and up to age 25 if in full-time study and not living with a partner.

Does Nurses & Midwives Health let you claim online or in-app?

Can claim using app (iOS and Android) for all services. No online claiming.

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What CHOICE Community says about Nurses & Midwives Health

The CHOICE Community is the online forum for Australian consumers, open to CHOICE members and supporters. Join the conversation about Nurses & Midwives Health to share your experiences or gain more insights into this health fund.