Worst choice ever made by selecting Nib
I have claimed in June, now its September more than 4 months and still waiting for response and if i call them they just want 7-10 business days every time and i complained about it too but no one responded on that. Now they are saying its been assessed and they don't know anything about my claim. I would never recommend anyone.
Waste of time and Money
Sky rocketing premiums and ZERO service.Useless service.
Sorry to say your retail team in Canberra is bunch of clowns who dont know even answer the basic question.
Good bye NIB.Poor offers in the market.
Don’t waste your money on NIB travel insurance
Save your money don’t waste it on Nib travel insurance. The fine print is very fine and won’t benefit you in any form of travel delay.
18 hours delayed yet doesn’t meet requirements??
Another Australian Company with a completely useless Call Centre
Tried to find out why the premium deductions for my PHI were varying from month to month. After a frustrating experience with the bot they use for Online Chat I had to revert to the Call Centre.
Some very pleasant young Asian lass who unfortunately knew absolutely nothing about Private Health Insurance.
We had a nice little chat but in the end all it was good for was for me to submit a formal request for an answer, in writing, to my query.
How about having your phones answered by people who actually understand the product you sell?
Wish they'd stop trying to upsell
I have been happy enough with the health insurance policy I have.
But lately I'm getting mail and phone calls trying to get me to sign up for life insurance.
I will never accept unsolicited offers like this, and if it happens again I'll be cancelling the existing policy too.
Fraudsters - Harassers - Potential identity thiefs
Earlier this year I set up a NIB policy to cover myself and my 2 daughters. 3 payments came out because someone there had fraudulently created 2 additional policies in my 3 year old and my 6 year olds name, using my credit card details.
It took 10+ phone calls and many transfers of clowns there passing the buck. Until eventually, I just called cancellations and "Posed as" as 3 policy holders in 3 different conversations and had all 3 policies cancelled.
See how ridiculous that sounds?
NOW - Since then, I receive No less than 3 phones calls per week from NIB asking me to come back - find more suitable policies, other crap like that. To each, being that it is NOT the offending fraudster I initially dealt with, I politely decline and insist that no one from NIB ever call me again.
We are now about 3 months after that initial problem, 3 calls a week, 3 seperate assurances per week that my details will be removed from NIB's call system and here we are… with me, receiving my SECOND phone call this week from the same call centre here in Brisbane. A lady yesterday via online NIB Chat - Gave me her word in writing that my details would be removed and offered a Manager to confirm by email to me. Not yet happened management!
Value for money
cheaper compared to others. You will get service for what you paid for. Was very easy to set up and claim lodging options are good. Will definitely recommend to people looking for cheaper option.
Great customer service
Nib customer service is good and ready to help you. I was charged extra fees for a dental treatment because I was misinformed by one of the representative so the next time I called the manager happily credited back the extra amount and adjusted that into my premium. As a result it restores my faith into the company and I’m thinking of going for another product with them soon.
Both me and my wife have nib cover and we are happy with them. I think it’s customers duty to be informed before going for medical treatments to be better informed.
Switched to a not for profit health care fund
I just switched to Westfund (not for profit) today after being with NIB for 5 years. I have no complaints with the service that I received from NIB, which worked well for me. However, I am disgusted with the opinions coming from NIB senior management at the moment, especially the ignorant comments on Americanising our more fair and equitable public health system. 1 year ago, NIB announced a net profit of $133.5 million for the 2018 financial year – an 11.1 per cent increase from the previous year. Their premiums have risen substantially on an annual basis for the past 5 years. They are not passing along their profits as savings to their customers. They definitely are not struggling with the current community rating system....
Terrible&Rubbish Claims Process!!!
I lodged a claim on 21/7 and received an email stating that " will be processed within 2 weeks". Until today, no response, no calls and no email from NIB! Ask the online advisor last Thursday, he/she said that will be processed, the latest by next Monday, and this morning (Wednesday) I asked again, another advisor said it takes another 2 weeks again!!!! Ridiculous! This had happened many many times, every time I submit the claims, either no response or decline without giving me an appropriate reason! NIB only knows how to take money from me BUT NEVER keep their promises!!!! Definitely will not coming back, will not recommend to any other person and will convince all people around me who are with NIB, change their insurance company! The worst experience that I have with this insurance company!
I bought overseas visitor health insurance for my in-laws from nib. The policy ran from the start of May to the start of July, when my in-laws would return overseas. The payment method for the premium was monthly direct debit, which was taken at the start of June and July. After my in-laws left, I was surprised to find nib took another direct debit for premium at the start of August. When I rang nib about it, I got put to their overseas call centre where they told me the account holder needs to explicitly cancel the policy otherwise the direct debits would continue. What kind of greedy money-grabbing scammer at nib thought it clever to keep charging customers after the policy ended and they returned overseas, in the hope they forgot to check their bank statement? How much interest do you collect from all these over-payments nib? I was also told that since I was not the account holder I was not entitled to make inquiries and no further information would be given, such as the amount to be refunded. Well done nib. I shall be telling everyone I know to avoid your scamming schemes from now on. Have a nice day.
We have been NIB customers for not even a week and the service has already been horrific! I would not recommend NIB to anyone. Get with the picture, it's 2019 my partner does not have to give me authority to speak with you about our policy.
Horrific claims process
Had a hospital admission claim declined because I didn’t think I actually broke my foot. They declined it without asking any further information. Could not get through to anyone to answer and say why. Eventually told someone would call me back in 24hrs. 72hrs I received an email with no clarity. Had to lodge a complaint with the Health Insurance Ombudsman. The approved the claim within 2hrs of the complaint lodgement.
Ciao Telstra !
NIB Boss wants to scrap Medicare only because he wants more people to join NIB. I say scrap all Greedy Private Health Insurers and make Medicare cover everything. Goodbye NIB.
Never ever again I will get any insurance with this company.
They understimate their clients!
I have bought an international student health cover (oshc) and for some reason my visa was refused then at the moment of applying for a refund they have made all super difficult also taking me as an ignorant, they tried to convince me that I still need the insurance but I know is not true, they have done all possible to not to refund, telling me fake legal requirements and things like that.
I am serious person and my case or customer number is 43021295
My doctor recently advised me to have a procedure carried out.
As this was a day procedure I was disappointed to find I have to pay a $500 excess.
As this was unexpected I had no time to save the $500.
Therefore I find myself on the public waiting list and feeling it pointless having private health insurance.
I emailed nib to air my problem but received no reply. That adds to the disappointment.
First Experience Worst Experience
I purchased the policy for my father on june 21st with mail id firstname.lastname@example.org , it has been almost a month but the policy hasn't even started , they just mail and run away for 7 days then ask a question then run away for 7 days , i am just chasing them , not even sure that my policy has even been started . I am sure that i have made a wrong decision already to purchase the policy from NIB , trusting there words from there webstie .
Not a happy Customer :( .
I've been with NIB for 6+ Years as a single independent, and the 21 Years before that 'covered' under one of their family plans. At no point during my sign-up was it explained (or product disclosure material received then, or now that specifies) that core extras including general, and major dental excludes items such as orthodontic work as a separate category under other plans. I am moroso frustrated that in preparing for my first proper claim last year for the removal of wisdom teeth (that ended up paying $600 on $2400) I specifically mentioned to the kiosk consultant that I was saving for 'wisdom teeth this year, braces the next' - would have been nice to have been told then that my policy would not even pay for that small amount, but hey I didn't ask so why should they tell!... fast forward to now, a year later - having found this out, I am given the stock-standard 'we can't waive the waiting period because of the insurance act' but offered me 'loyalty for 6 Years' after the 12 months which would increase my monthly payment from $175 > $230 in the meantime, and still only cover $1400 on $8000... a return that does not even come close to the yearly cost. These sort of things are never about returns, but affordability, and clarity are basic requirements. 'Other insurers will be the same' is never an appropriate excuse for any issue, although it has convinced me to stick with Medicare until I am 31. Buyer beware, question all details - as they won't provide it.
Let's be fair
I've been a member for quite a few years and have never had an issue with NiB.
I recently needed clarification on the Govt initiated changes and the Call Centre couldn't be more helpful (as frustrating as my enquiry must have been). They really went over and above.
My 4 stars rating is the result of reading the "exclusions" with their Travel Insurance. It appears that nearly everything is excluded! If I'm drinking on holidays, any medical issue is excluded. If I'm walking around the block, in sports shoes, I better have an "optional" package. This troubles me as I want to be able to enjoy myself and know I'm covered. I also want to be loyal to NIB, as every other experience I've had, has been so positive.
Loyalty means nothing
I have been a member for nearly 30 years and have slowly seen the level of service reduce. Recently i asked what NIB would do for long term members. The replied use the rewards programme. I asked if they would give me a month free as the were giving new members one month free. They said no make use of the rewards programme. I replied that i have to spend to get a so called benefit.
So loyalty means nothing to them now. Extremely disappointed in their customer service now. Will be looking for a better fund.
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