We have had claims in past 12 months of more than $20000 and experienced great service, benefits paid at good level, premium reasonable and very good App and phone service.

Made a legitimate claim on February 15 and nib is still prevaricating on March 2. I have never experienced a system which appears so blatantly to delay paying claims. They aren’t the slightest bit apologetic. Avoid nib - there are better alternatives.

We've been with NIB for nearly 15 years. My husband had a simple umbilical hernia surgery last month and NIB only paid $105 for the surgeon fee of $1075 and only paid $52 of the anaesthetist fee of $1100. Yet every year we pay NIB over $4000 in insurance premiums. Like the other reviews on this forum the surgeon told us NIB doesn't pay them near as much as the other insurance companies and that is why he doesn't participate in the NIB MediGap. We are very disappointed and will be changing Insurance companies this month.

Needed to get a refund on my insurance as I was switching to another provider. Was told that it requires around a month to process the request. Talked to my new provider and they say this is not really ok. It has been more than a month now and my request still hasn't been processed. They take you

I had a baby birth at private hospital.
I received an invoice of $1200 seperate which made a claim and was rejected. I called them and they told me to provide hopital documents. I did and again rejected claim. I called them back and they said my insurance doesn't cover the claim. I had to tell them the whole history of my insurance upgrades. Then they agreed to pay but didn't received. I called them again and they still asked hopital documents. Then i called the hopital to send documents to my insurance but they had already send it long ago.
Everytime i called the insurance, they would put me in hold for around 30mins.
I'm so annoyed.

I just had knee surgery and thought I was only going to be out of pocket $500 excess for hospital cover and then whatever the anesthetist charges (in this case, $1000). Unfortunately, I was very wrong. Although my level of cover does include ACL reconstructions, I just copped a bill for $4000 of which I only get back $2000. So in total, I am out of pocket $3500. I was told by my surgeon's receptionist that NIB is the only health fund that doesn't cover the full fees, no matter what level of cover you're on. Needless to say, I'm switching funds.

Unpaid claim for the past 10months and still following up.everytime i ring am told it will get sorted as soon as possible.i dont feel my policy was a good value.i have been getting endless emails from the hospital regarding the unpaid invoices and its driving me nuts.horrible service and wouldnt recommend it to anyone!

I have been with NIB for over 10 years. Once of the reasons I had stayed was because their call centre was easy to get hold of and was able to efficiently answer any queries that I had on my policy.

They now appear to have outsourced their call centre to the Philippines (presumably to save some dollars) and based on my experience today it is now a complete DISASTER.

I rang the call centre today to ask some simple questions about why they had not paid out the amount I was expecting for my gym membership claim. The call centre consultant was r...

I flew to Brisbane to have scar treatments with [Name Removed] and it was partially rebated by medicare. Called up customer service to confirm the item numbers were applicable. Put through a claim via NIB online along with my medicare statement. Got a response back claiming its not on the medicare statement and that I didn't receive the treatment in person (presumably because the genius at the claim department saw that my address and the claim was in different states without calling the clinic or myself personally to verify)

Called up custome...

I've been paying over a hundred bucks a month for fifteen years, enquired about a minor day surgery and was told I have to upgrade my plan to be covered for this now urgent surgery, but it won't kick in for 12 months. My plan info sheet clearly states "DAY SURGERY" as covered (with no additional conditions listed), but when I called the call centre they go "Oh no that just means day surgeries we cover, not day surgeries we don't cover." That statement is so unbelievably stupid that I lost four IQ points just by hearing it.

The difference in ...

Provided proof that a condition was NOT pre-existing and they denied. The worst service ever. They make up rules and have a couldn't care less attitude. Waited over 3 months to get reimbursement for my sons knee surgery and of the $1200 fee I got $189. I also made a complaint with the ombudsman and NIB gave me 2 free weeks- because it was cheaper than actually paying the claim on time. NIB are cold, uncaring and only interested in taking your money. Do not insure with NIB.

If you complain about the amount of calls you get a week they will increase the number of calls out of spite. They tell you that you need to identify yourself to get them to stop calling you twice a day to “talk about your policy”. Dont do business with them

I recently joined NIB and it’s one of my biggest regrets. I have been trying to claim for recent surgery and it’s been so difficult. I have submitted my documents online as requested three times now and each time they tell me they require the exact documents I’m sending and receiving a confirmation for. I called to try and get some assistance. I was on hold for 27 minutes and when I finally spoke with someone, she said she couldn’t see my documents yet. Today I submitted them again and Emma from Messenger tells me she can’t see anything and ap...

Terrible value. Terrible service. You’d be better off lighting your money on fire once a month. On multiple occasions I called to ask how much I would get back on a claim, then went and paid for the health service and when I submitted the claim they would pay me a tiny fraction of what they’d quoted me ($250 of $1500 in one instance). When I called to ask why this was they would basically say it’s all my fault for trusting their word instead of combing through the policy for every loophole like they had. Absolutely furious. Do not use this “service” (if you could even call it that).

Put policy price up but reduced cover. Kept charging me after the policy was cancelled. Taking weeks for them to sort out. Avoid then like the plague, they have no idea.

Having recently being admitted to hospital, I found the journey with NIB to very easy. In fact, I simply paid the excess and the hospital and NIB liaised directly with no headaches for me to contemplate.

In saying this, I'd advise everyone to ensure their policy covers their respective item numbers provided by their surgeon - this way you eliminate any surprises such as; gap fees or not being covered at all. I did my research well before committing to a health insurer and a lot more calls between NIB and myself prior to surgery to ensure I wa...

I have just switched over to another fund from Nib. I was with you for 21 years and I must say you have the best customer service ever.. Well done

After being loyal customers for 26 years we have changed. Most specialists in Brisbane will not participate in NIB'S Access Gap Scheme which left us out of pocket over $1000. Only a small gap paid with other funds. BEWARE.

I am with NIB for 5+ years (extras only). pretty happy with them.
Get free dental check-ups and gap-free treatment.
I like their dental clinics in Sydney but here in Canberra they only have 1 center and almost impossible to get a suitable appointment there. it is good that private dental clinics offer gap-free checkups.
Claimed a few times for ambulance and glasses, everything was done quick and easy.

their phone app is a disaster! never can logging from my phone for months. it just keeps asking me to log in again and again.

Until now, my NIB policy covered 75% of the cost of prescription glasses up to the specified limit, including the lens thickness specified by the optometrist.

Costs were increasing, so I shopped around and found I could get equivalent lenses for half the price at Specsavers. But apparently NIB requires different codes and NIB won't pay the stated 75% of the cost of the lenses I'm advised I need. A policy that excludes essential items isn't worth the paper it's printed on!

Good vision is important. Anyone who needs good eyecare products ...