NIB Health Insurance

Horrible!! After inquiring about making a claim, I just found out that my policy has been terminated. I called them before to upgrade my policy not terminate it. They did it without notice. Such a rubbish company even so having a very bad customer service!!!

Had my wisdoms teeth removed, on their website there was a 1 year wait period which is what most other providers go with. Upon getting my surgery done they then proceeded to say the policy is actually different to that advertised and is actually a 2 year stand down period. Absolute snake oil salesmen. Stay away from these people!. The worst!

I had been with NIB since 2012 and paid more than $18k up until March this year when I needed surgery running in the $5k mark but they wouldn't pay. Their black and white hard copy policy clearly states that...Hospital treatment, including accomodation as a private patient in a private or public hospital & doctor's bill in hospital....will be covered. But they turned around and said I had to have medicare! Where was that written next to the policy! Meanwhile they don't care, business as usual and just keep taking your money on a monthly basis until you get sick or need surgery but too late!

I have have only been with NIB this time for three months but have been with them previously for 2 years. I just got notified that i needed an urgent operation (not pre-existing). . They were NOT compassionate about my circumstances and just kept repeating that I had not the proper health care to cover this operation! The Policy I had obviously was a waste of money! I rate this health fund as Terrible.

I joined Nib 4 months ago. They mentioned me over the phone that I'm eligible for 300$ credit If I stay with them for 3 months.

During that time I was with them, they were trying to push back on two claims I made (e.g. supplier code is incorrect, and wrong address). I had to speak with them for hours over the phone just to get it sorted.

They never sent me the Insurance card as well.

They told me over the phone that I'm eligible for the 300$ and I will get the money back before I leave them.
Now, they DON'T want to give me the money back, and they said I should have read the T&C. Even though I confirmed my case with them over the phone.

Terrible value due the costumer service. Their call centre provides an information, you send to them what they had asked for and your claim is not approved again. Then they need more documents. Very contradictory and disrespectful with client.

I paid for 20 years of hospital cover with NIB. In July 2019 they reduced my hospital coverage (to junk) without me asking and without me realising, and now they wont cover me for my neck surgery. The policy change was buried in the fine print of their updated user agreement.

Read the fine print, and watch these parasites like a hawk, because they will do you over if you let them.

I had applied for OSHC and had to get the dates of the cover changed as the course start dates had changed. At first I was told I had to fill in a refund form to get a refund and to pay for a new policy, which I did. I called to follow up, and was told I didnt need to do a refund and all i had to do was send the new dates so that the existing policy would be updated. I emailed the new dates and supporting docs then called a week later to follow up. I spent more than an hour being put on hold with a guy called Aubery only to be told they couldn't change the dates on the OSHC policy and had to fill in a refund policy. Customer service is appalling and they waste your time without getting anything resolved.

Booked into hospital,sent account only to be rejected. Have to be inpatient for this mob to allow claim. If this is so why is it ok to claim for dentist, thats not inpatient. Policy is rubbish. Shame cant have no stars!

I am heading into hospital only to get call telling me that Nib only pays $220 and other funds pay $440 on the anaesthetic fee. Plus also play less on other product . Which u don't know till u have to uses it. Out pocket myself over $400 not counting $1500 for the doctor. And that not counting $500 excess which I had just paid for something that didn't fix my problem . I am silver plus No wonder people leaving health insurance.

Raised a claim for a cancelled flight, nib conveniently rejected the claim, I questioned the outcome, no one cared to even effing reply.That is the standard of customer service you can expect from these guys.

I understand an insurance denying your claim, but their policy clearly stated I can question their decision within 14 working days and I did the same. And despite my email, they chose to keep their mouth shut. But when it comes to pushing you to buy a product they will call you a million times because as I said, all they care about is getting your money!

Do not go with NIB for Corneal Transplant they are the worst for out of pocket expenses. A little cheaper to join but you pay up at bill time. Check with other providers before choosing what sounds the cheaper option.

easy to set up and claim through the app. payments made quickly and no hassles 12 months. the staff couldn't be more helpful when I have had to deal with them

Sent in a request for a pre approval, heard absolutely nothing except automated text saying they had high volumes, i.e. understaffed. Not what you expect at $300 per month. Not going to bother giving them a chance. In fact received a customer survey a week after I submitted the claim asking how my claim experience was... What experience I am still waiting!!

Even though the insurance was cheap it wasnt good.
The claim process was difficult. I injured myself overseas and upon return required surgery and time off work. Absolutely no cover for that. I would not reccomend NIB.