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Stop the nuisance calls
NIB we have just signed up with you people after a serious failure in customer service with BUPA. We would like you to stop the nuisance calls from 07 30738900 to our number as we are called three times a day. We hope that we have a positive relationship with NIB as an insurer. We were with NIB for many years originally. These calls are driving us crazy and upon doing a reverse phone look up with have found that they are indeed a nuisance call originating from NIB and that many people are sick of them. Whilst we have blocked them we are tired of the ongoing text messages saying that they have attempted to call us. Please remove us from your call register. Many thanks.
9 year customer leaving
For 9 years we have paid our premiums, have been low on claims and every year our premiums increased, our level of cover shrunk so we decided to shop our cover via ISelect. 2 recent claims with nil paid. ISelect assisted with our new fund with lower excess, upgrade to silver cover from bronze, lower premiums and more local providers. So Nib contacts me today to ask why we are leaving? Seriously, talk about reactive behaviour. Like all public, for profit companies you donkeys chase the new customers to increase your market share and ignore thos...e you have. Clueless and sack your marketing company, they are stealing from you and your forever greedy shareholders. But hell this has been repeated thousands of time in business history and they never learn, or will ever learn.
Zero! Worst customer experience
Called to understand what was covered under policy because of the corona virus situation. Spoke to Venice - who wouldnt explain what's covered despite giving all the policy details. Insisted on speakin to Aunt who doesn't speak a word of english or she would need to sign paperwork authorising authority to speak on her behalf. This was the third time I called. Accepting $1000 plus from us and won't answer when we ask what's covered.
Nib health care
I have been with nib for 6years because i get A cooperate discount thinking I was getting the best offer, I was paying around $550 maybe more and that was for the top hospital cover and all extras,I stuck with them thinking I was getting the best cover. When I found out what other people were paying for health care , I found out they were getting not just the same but better offers I called them up to let them know, so they offered me top hospital cover and general and major dental optical and physio I also had to add postnatal to my cover and ...had the waiting period of 12months and I was paying around 450 and about 6months later got a email saying my premium was going up to around $500. So I rang around and found a better heath care that covered top hospital and COVERED postnatal i got all extras added, general dental and preventive dental I don’t have a annual limit, and I only paying about $350 $352.
Two nights in hospital - $1000 in out of pocket expenses plus the excess
Recently my wife spent two nights in hospital having being admitted on an emergency basis. Excess of $750 we well understand but just over $1000 of out of pocket expenses for a 2 night stay.
We have top hospital cover but it apparently doesn't cover:
1. The Surgeon doing a follow-up with his patient after the operation. This is truly bizarre. Does NIB truly believe that the Surgeon shouldn't follow-up?
2. X-Rays and scans ordered by the Emergency Department Doctor and the Surgeon. How is a Doctor to diagnose if NIB apparently believe scans and X-Rays are not necessary?
Not the best insurance
I added this insurance to my holiday that I booked in June last year without really looking into it so this is partly my fault, I have never gone with this company before and it was like an add on type off thing. I’m normally very fussy with travel insurance but due to busy lifestyle just went with these guys.
If I go on my holiday I will be getting another insurance company to cover me who I’ve dealt with before and feel more comfortable.
I have been with nib for 4 years. I was in Silver private cover. I needed an eye operation (Cataract) I was shocked to find out I wasn't covered for such a simple operation!
Jason from NIB chat is the most rude and demeaning person I have ever encountered.
Had a question regarding my rebate as was replied too with sarcasm and CAPITAL Letters used as well. Not a good look. Don’t bother going to a no gap dentist because NIB don’t recognise that and will still give you back 60 percent even though the gap has already been absorbed by the dentist.
Recommendations from Sales Staff Not So great however GREAT Follow up Service
I recently came to realise I was not covered for my gym membership. For some reason, I was under the impression that I was.
When I asked questions regarding the processes to make a claim I was told I was not covered.
NIB customer service team was fantastic in providing me with the info I needed and helping me find a satisfactory resolution.
Should give minus - Bad customer service
Had a bad & worse experience, My parents came from overseas to visit us last year, took overseas visitors insurance including total funeral cost. Unfortunately my father passed away while staying with us, even in a critical situation I have informed NIB about this. First they have been shown that they are going to looked after us very well, But I was totally wrong.
Took more than 10 calls to find out what’s happening, always same stupid answer,” all the documents with back office, give us week, will come back to you”
Never , they don’t come ba...
NIB would not give me a decision on a simple operation. When I paid for said operation, The bunch of crooks refused to pay. disgusted, disgusted and you have to write a letter before you can send yor enraged post.
I wasted all day try to log in the so called new website , waiting for a verification through email which never arrived
Not really, I’m actually thinking to canceling it’s getting more expensive every year waste of money , if I’m really sick just go the public hospital , which have more doctors and nurses .
My daughter had to make a hospital claim and NIB, 1st said that she had a pre exisiting condition of Asthma. As I got all the paper work back to them, they changed the pre exisiting condition to a chest infection. Didn’t cover her hospital stay. Expensive, not helpful or understanding. I will be changing health funds & not recommending NIB to anyone.
For anyone looking at getting private health cover NIB is NOT the one to pick. Also reading a few other reviews I can see I made the wrong choice.
Claims keep disappearing while prices keep increasing
I have been with them 4 years. Never had to claim anything. I've tried for the first time last year and it was ridiculous. The claims keep disappearing from their portal. I'm so annoyed. DO NOT ENGAGE with them
Worst Service - AVOID USING THEM
NIB (IMAN) health insurance service has been the worst service. They promised me a refund for which I was entitled to after I got my PR & Citizenship. I had to make several calls to claim this money. They initially promised that they will. However after months they declined the refund. Please don't trust them. I have documented all the conversations
I am an Aneasthetist. NIB pays much less than the other insurers but most importantly if we charge a gap they put the burden on the customer. For example with any other insurer If I charge a $500 gap that’s it. With NIB they pay the customer less as a blackmail to stop Doctors charging a gap. So here’s how it works. I charge $500 gap cost to patient $800.
Paying for services not required
Reading my policy, I realised being a male gynecology, pregnancy termination and breasts implants do not apply to me. Of course I contacted NIB to see if I can remove and add treatment options that are more applicable to my gender, only to be told, their policies can't discriminate against gender. Commom sense needs to prevail here NIB.
It has been 6 months trying to claim back a private hospital admission cost of $1600 that I had to pay for. They keep finding fault with every little thing in the process and keep telling me I have not sent the correct forms that I have sent them several times. I think their claims services are based in the philippines and they act like robots and are unable to think outside the box and satisfy NIB's customers. Once I get my funds claim I will be searching for a different health insurer.
Simply the worst insurer I have ever come across.
Glad they showed their true colours before signing with them. Can't imagine the head aches if I ever had to make the claim.
Institution that cannot be trusted at all
My experience with NIB is quite bad. Every time I go to the doctor and request the return they say they do not return anything, then when I ask them to check it again, they apologize and check if they can return something to me, with any type of doctor or exam the same thing happens to me. On the other hand, when I need them in an emergency, nobody answers the phones that are supposed to be an emergency.
I have had other insurers before, such as Bupa and the coverage is quite good and they are also quite clear that coverages offer and do not he...
Questions & Answers
I’m on work Visa, I've been with nib for 4 years. Does NIB cover surgical or liposuction lipoma removal.
Thank you for your question Paul, We have sent a response to your inbox.
Please contact our nib International Working & Visitors Cover team (OVHC) to discuss your cover on Phone: 1800 775 204, Email: firstname.lastname@example.org, webpage: www.nib.com.au/overseas-working-visitors. Our International Businesses teams are available 8:30am to 6pm weekdays (AEST).
Kind Regards, Richard.
I was diagnosed with breast cancer in July this year and underwent a double mastectomy and reconstruction through the private system as we had health insurance through your fund and were of the understanding that we were covered for this. That was until we tried to make a claim. Did you not only decline this claim for the surgery you also declined the hospital stay.
This has put additional stress on my family and myself for which we do not and did not need. Thanks to you we have been left out of pocket by $30 000. We always knew there would be out of pocket expenses but for your company to simply decline everything is just callous and wrong. We always paid our premiums on time and you did not seem to have a problem taking our money for that, but once we tried to claim fo something that was life saving we come up against a big red stop sign from you.
You have left us broken and struggling when we were once just a normal family living a good life. This year has already been tough enough due to COVID19.
Let me tell you about myself, I was 49, no direct family history of breast cancer, i have 2 teenage children and a husband who would do anything for our family. This diagnosis turned myself and my family upside down.
I have been staying behind the scenes while my husband has been trying to get you to reconsider your decision but the time has come that I can no longer keep silent about this as it is tearing us apart. I am also embarrassed to be put in this situation.
A company such as yours who made a huge profit this financial year and sprout that health insurance should be easy to claim and good value really need to reconsider this statement because there has been nothing easy about this.
I just hope that there are not other people out (your members) there that are facing the same situation as us.
I would welcome you to contact me but I doubt that will happen and I know this post will probably be deleted. I feel people need to know how you treat your members while your CEO pays himself a nice tidy bonus while we are left struggling to now make ends meet.
All we ask for is a fair go, not too much to ask for .
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