NIB Health Insurance

I've had massive problems since moving to NIB for extras. Issues with waiting periods, a horrible user experience with the waiting periods and the coverage and a poor live chat experience. Switching to NIB for extras has been a disaster and huge regret for me Show details

If I could rate lower I would! I have been trying to cancel my policy of 1 day and have had no success what so ever to actually speak to someone that can and will help me. I have attempted to ring them 5 times yesterday alone with waiting times of1 hour and 45 minutes at one stage! Promised a call back twice and I am still waiting. Absolutely appalled at the lack of service. Glad I opted to stay with previous provider. Show details

If you call them you wait 15 minutes until some specialist takes your phone call then this specialist can’t help you and you stay on line for another 45 minutes until they take your question First specialist is useless I think but getting paid from us members a good specialised dollar lol Show details

Yet AGAIN! In hospital blood tests every day. YET AGAIN NIB is the ONLY Health Fund that doesn’t cover pathology. The last time I I posted a review about this they replied that they do cover pathology . That is a blatant lie Asked for claim forms… Read more

for other claims to be posted WEEKS ago. I imagine that the will blame Australia Post. If you are shopping around for an ethical, service driven Health Fund leave NIB off your shopping list!

I have been a NIB insurance customer for 15 years. I have been loyal, paying fees on time and have made no dramas with the company. Recently I needed to have an emergency operation for my gallbladder that couldn't be delayed waiting for a public… Read more

hospital. When the time came to pay for these operations, I was refused any rebates or financial assistance from NIB. My policy states I have hospital cover so I was shocked that this operation fell out of my policy coverage. This was an important emergency operation and they did not pay me a single dollar. I am very unhappy with this outcome and have cancelled this product with them. A warning to those looking at being customers with NIB that their coverage is unclear and have put me in a very terrible position.

What a reprehensible organisation. I’ve been a customer for 10 years and have quietly paid my monthly fees without ever making a claim. Now due to a sports injury I need an operation and how much are they willing to cover - you guessed it, $0!!! Show details

I am extremely dissatisfied with the cancellation process at NIB Health Insurance. During my initial call, my identity was fully verified. Despite this, I was informed that cancellation cannot proceed without a secondary callback [from an unknown number] within 3 business days to reconfirm my personal details. No alternative secure method [such… Read more

as written confirmation or online verification] was offered.

Given the prevalence of scams, requesting customers to disclose personal information to unidentified callers raises legitimate security concerns.

I also attempted to resolve the matter via online chat and was placed on a same-day callback list, which was not honoured.

The process appears unnecessarily restrictive, complicated, inconvenient and creates avoidable barriers for customers wishing to cancel. I expect a more secure, transparent and efficient system. Very disappointing experience.

Almost non-existent customer service, phoned NIB, the AI hung up on me, I did a chat and it would not put me through to a human. I phoned again and it had considerable trouble understanding me, I finally got put through to a human, and expressed my frustration and he was angry with me because of my complaint. WoW. Been with them since early 80's on and off, used to be great, Now, the words don't describe Show details

I really had really really very bad experience with this insurance. I am blaming myself why i choose this insurance for my father in law. They came from overseas, I was authorized person and got policy for them and paid everything from my pocket. They told me when they return I can email the cancellation form signed by my father in law then it… Read more

will cancelled. They left the country two days ago, i emailed them cancellation form but now they are saying they have to upload the form from their end and they have to talk to service provider. I already told them he doesn't know how to speak English or open this browser to upload. Now they are saying they can't cancel his policy, really ???? they want me to pay them for nothing. My father in law is already back in overseas. I told them i am happy for them to provide their return ticket, passport details all evidence that they are back but still said they can't cancel policy. BUPA and Allianz has far more better service than this company. If they have explained all these before I bought this policy, I would never ever had join, they just told me I can email them cancellation form signed by my father in law. If you guys are getting insurance for your parents from overseas and if they doesn't know how to speak and write English than never ever use this insurance. They doesn't deserve even 1 star it should be on 0 or minus.

15+ Years With NIB After being a loyal NIB member for over 15 years, I’ve just had the most frustrating and disappointing experience imaginable. I have been paying for a premium plan for years, believing I was properly covered. Yet I’ve now discovered that my plan actually provides less coverage than cheaper plans that NIB currently offers. At no… Read more

point did NIB ever bother to contact me, review my plan, or advise me to adjust my cover—even though my claims history clearly showed I wasn’t getting value. Now, when I urgently need support for cancer treatment, NIB informs me that I’m not covered and must serve a waiting period. This is despite the fact that I have consistently paid higher premiums, trusting that I was properly protected. This is beyond disappointing—it feels like a complete failure of customer care. After more than a decade of loyalty, to be told “your plan doesn’t include that benefit” when facing a serious illness is absolutely unacceptable. I cannot recommend NIB. Choose a provider that looks after its members, not one that leaves long‑term customers stranded while continuing to increase premiums. Deeply disappointed and strongly advise others to look elsewhere.

I was doing online quotes as it’s that time of year. Check NIB, more expensive and go fine. I get a call from someone rude and arrogant. Firstly, I was not expecting a call. Other insurers ask if you want a call. He was rude, unprofessional and arrogant. Stating he knows other insurers policies and will give me a better price. I stated I use… Read more

my extras a lot for my son, his response of but you don’t really use it much as you don’t use everything. I stated I don’t want to drop my level of cover, he tells me I need to look to do that for a better price. 10minutes of him being rude before I cut the call. I used to be a NIB customer, but this level of service and interaction just reaffirms my decision to leave

Never had problems with NIB. Been with them for many years. Always prompt and informative via phone or online chat. Kept up-to-date with claim procedures and extremely helpful. Put in a claim on 2/1/26 at 3.36pm, processed and finalised by 3.43pm. Received a text and email. Very happy. Maybe those complaining need to check your cover on a regular basis or if going into have a procedure at hospital contact NIB prior. Show details ·  1

This review is about a Staff. I used to work for NIB. I was working with [Name Removed], He was the worst team managers I had ever worked with. He does not respect anyone, Just yaps in team meetings and goes away. He favours a few people in team and only talks to them. He dislikes people like me, he does not like Asians, and other ethnicity for… Read more

some reason. The head of contact centre [Name Removed] is lovely and helpful but she is very busy. Many of my colleague resigned from NIB after working with this person. When we are working, we have to struggle under people like [Name Removed]. Main reason why I am doing this is, I do not want other people like me to suffer under this id*ot. I was tempted to use another word but did not want to do it.

The worst health insurance Australia could possibly have. They don’t help with anything and put nurses on the phone who say they don’t know how to help their patients. Terrible! The worst of all Show details

Another company only interested in collecting your money, getting out of covering a minor surgery for our 2 year old because of a fine print technicality. If you value your health, the health of your family and your money stay well away from NIB. You have been warned. Show details

Not even Worthing any stars. Once they know I had applied for Medicare, they not helping anything’, instead their recovery team was fast enough to contact me to ask for money, stating they overpaid it. However can’t validate which exactly billing, and what’s the reason behind. As the so called “overpaid” bill they requested me to pay WAS BEFORE I… Read more

applied Medicare. How funny. Tried to solve this about 2 months but no outcome, contacted them about 4 times also can’t resolve it. Chat online and they told me, they can’t do anything as it is not from their team. Called directly to the number they provided, which is recovery team, within 2 months, within office hours, and it always went to voice note and failed , they phone line is CLOSED on weekday office hour. So called professional? I really don’t understand how they works.

Asked for proof or reasons or clarification on certain questions, they can’t even answer. And chosen to change topic and demand for money. We are happy to pay only with the right explanation and clarification with LOGICAL way.

Thank you. From loving nib as loyal customers for yearsss, to dislike it now.

just tried to call them for advise on coverage - wait time on the was over 2 hrs. When finally talking to a person the answers were non sensical and after stating they couldn't look at my details due to technical difficulties the person simply hung up. I've never experienced such bad costumer service. Show details

I wondered why nib got bad reviews as they are good ! I hope everyone should be honest don’t give false reviews as you are misleading customers to have a good insurance and it affects people’s live! Show details ·  1

They won't pay for my hospital admission!!! – Been submitted this hospital claim for months, they called me and wont pay me a cent. I am so p*ssed off and 350 is a lot of money for overseas student in Australia. Show details

I have been with nib for 10 years, since 2015. I just received a renewal notice and it says my premium would increase from $319p.m to$451p.m, 141% increase despite no claim last whole year. Increase of $1,584 per year. The explanation is as follows. "We adjust your premium each year to reflect the increased likelihood of needing treatment as you… Read more

get older, as well as a range of other factors, including rising healthcare costs. We also factor in changes in the number and cost of claims which, across the healthcare sector, have been significantly increasing as more Kiwis turn to private health insurance for fast access to care".

Worst insurance provider i have ever been with in terms of communication and human error. I was with BUPA for around 10 years first on a family plan then a single plan, it was a tad expensive but i could never fault the service. In a moment of stupidity I thought I'd go to a cheaper service as I only claimed once every 2 years for my glasses (so… Read more

really they would have made money off me as I rarely ever claimed). They charged me for a solid 5 years with only 2 claims ever made. Come January of this year a payment wasn't cleared (why I dont know as funds were available) so they sent a email, then cancelled my funds. No phone call, nor attempt to contact me bar 1 email. Come to find out the email they had was incorrect. They advised very rudely they would reinstate my insurance but only if I paid the last 6 months (if I did that it would actually exceed the rebate I would get if I claimed for my glasses by about 400 dollars). I asked for a waving of the fees as claims were not made in 2 years, my email was taken down incorrectly and they did not ring me to discuss my account. They again rudely advised no, the last man I spoke to said "I've worked here 12 years you wont be getting anything more then what you were already offered" which was nothing. I will never recommend nib, its cheap and nasty, no service, no compassion. I'll be taking back up with bupa so I know im being provided a reputable service.

I if could give 0 stars I would. I have been a NIB member for over a decade and recently requested quotes to increase my cover which were provided in writing via email and when I have gone to action the quote I have been told that I was quoted incorrectly on all 4 quotes and they will not be honoured. How an insurance company of this size can… Read more

provide 4 incorrect quotes on two separate occasions and the refuse to honour them is beyond me. I will be leaving NIB and finding an insurer who has their act together.

We are a family of husband and wife plus 2 kids. We were with NIB health insurance for about ten years. We paid about $400 per month, so nearly $5k per year. Our first issue came when I had to have an operation on my throat. We got the chance to go through a private surgeon and took it. The bill was $3k, NIB paid out $220. When we asked why,… Read more

they said that they used the Govt schedule of operation costs. The Govt schedule of operation costs was about 10 years out of date from the real world costs, which explains why NIB only paid out 10% of the costs.

Next I had a gall bladder issue. By issue, I mean it needed to be removed. They refused to cover it, saying that our $4,800 policy does not cover gall bladder issues.

If you think these dishonest PoS will help you, you are mistaken. Listen to my story.

Post note: this website made me tick a lot of [Content Removed] boxes to get this review published.