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NIB Health Insurance

NIB Health Insurance

2.4 from 554 reviews · View Statistics

Reviews

  • Value for Money
    1.2 (92)
  • Transparency
    1.2 (79)
  • Customer Service
    1.3 (91)
  • Claim Resolution Time
    • <1 week (6)
    • 1-2 weeks (8)
    • 2-4 weeks (5)
    • 1-2 months (4)
    • 3+ months (15)
  • Claim ApprovedYes (14) · No (31)
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Taking double unauthorized payments upon joining!

published

I joined NIB and they mistakenly took 2 months worth of payments in advance! And that on Thursday before Easter weekend. Will take the 3 working days after Easter to reimburse me. Leaving me out of pocket during and after Easter. This will ultimately have a knock on effect on making my other payments. In-turn that will negatively affect my credit. That being said myself my wife and 2 kids will pay the price in more than one way! With absolutely no consequence to them. They feed off the poor with no regard. NIB I am terribly disappointed.

Incentivised ReviewNo
Claim MadeNo
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1 comment
nib
nibnib
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Tom

TomSouth East Queensland, QLD

  • 8 reviews
  • 6 likes

Intentionally making support difficult as they continually inflate costs above CPI

published

I couldn't recommend these guys to anyone. They constantly jack up prices and their Online Chat fails to connect you to a service representative when initiated. Then they do their best to ensure you cannot connect to anyone over the phone so you are trapped with them as they continue to price hike you mercilessly.

Value for Money
Transparency
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1 comment
nib
nibnib
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  • Verified customer

Don't waste your money! Ridiculous customer service and the contract is deliberately misleading

published
Value for Money
Transparency
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3 comments
nib
nibnib
Johnson
Johnson

I need a number that I can talk to the manager level please. The customer service you have at the frontline does not solve issues but wastes time.

nib
nibnib

Hi Johnson,
Thank you for your reply. I have sent you a private message to obtain your details to have your enquiry escalated and reach a resolution.
Tia

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inot

inot

  • 5 reviews
  • 3 likes

Not good value for me

published

Just altering my review - initially I’d mentioned that the Silver level NIB hospital + extras cover which is a considerable cost every month did not cover cataracts. My mistake, it seems they do cover cataracts.
I am female over 66
Still I don’t need cover for male reproductive system, tonsils adenoids, grommets, miscarriage and termination of pregnancy.

Incentivised ReviewNo
Claim MadeNo
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1 comment
nib
nibnib
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S Grant

S GrantSydney Surrounds, NSW

Loyal Customer No More

published
Incentivised ReviewNo
Claim MadeNo
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1 comment
nib
nibnib
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Philip C

Philip CCanberra

  • 2 reviews
  • 3 likes

Don’t Hold Your Breath When Claiming

published

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.

Value for Money
Transparency
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1 comment
nib
nibnib

Hi Philip, I have sent you a private message requesting more information to assist with a follow up. Thanks, Amanda.

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Unbelievable Out-of-Pocket Expenses

published

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.

Value for Money
Transparency
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3 comments
nib
nibnib
MGH
MGH
nib
nibnib
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PHY

PHY

  • 4 reviews
  • 3 likes

Delay refund for profit

published

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

Value for Money
Transparency
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1 comment
nib
nibnib

Hello, we have sent a private message to assist further.

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Annoyed !

published

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.

Value for Money
Transparency
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1 comment
nib
nibnib
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Andrew F.

Andrew F.Sydney, NSW

Pretend Health Insurance

published

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.

Value for Money
Transparency
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2 comments
nib
nibnib
Andrew F.
Andrew F.
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Unpaid claim for the last 10months!!

published

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!

Value for Money
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1 comment
nib
nibnib
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Julian R

Julian RSydney, NSW

NIB Call centre is a complete DISASTER

published
Value for Money
Transparency
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1 comment
nib
nibnib
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Koala B.

Koala B.Greater Melbourne (Inner), VIC

  • 2 reviews
  • 2 likes
  • Verified customer

Absolutely shocking customer service

published
Value for Money
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NeverAgain

NeverAgain

  • 4 reviews
  • 6 likes

NIB is a joke, 15 years of paying premiums and they don't cover anything

published
Value for Money
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1 comment
nib
nibnib
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Diane

DianeSouth East Queensland, QLD

  • 4 reviews
  • 2 likes

Oxygen theifs

published

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.

Value for Money
Transparency
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Warren

WarrenSydney, NSW

They are a nightmare to deal with. Save yourself the heartache

published

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

Value for Money
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5 comments
nib
nibnib
Warren
Warren

No thank you. In the middle of changing providers. I hope to never have to deal with you again. I had to put a fake phone number on my account to stop the persistent pointless phone calls. Shame on you.

Warren
Warren

Even with the fake phone number on my account I AM STILL GETTING CALLS. Have escalated to the ombudsman now.

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Megs

Megs

  • 3 reviews
  • 4 likes

Absolutely Disgraceful

published
Value for Money
Transparency
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9 comments
nib
nibnib

Hi Megs,
Thanks for reaching out. If you'd like us to look into this for you, could you kindly send us a private message with your full name, customer number, address & date of birth for privacy.
Vicki

Megs
Megs

I’ve already done this and received no help.

nib
nibnib
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juliette.nw

juliette.nwSydney, NSW

You’d be better off lighting your money on fire once a month.

published

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).

Incentivised ReviewNo
Claim MadeYes
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1 comment
nib
nibnib
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Simon

SimonSydney Surrounds, NSW

  • 4 reviews
  • 4 likes

Couldn't organise a rock fight in a quarry.

published

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.

Value for Money
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3 comments
nib
nibnib

Hi Simon  We endeavour to provide excellent customer service and I’m sorry to hear that this hasn’t occurred on your recent contact with us. All the best. Regards Maria

Simon
Simon

Empty words. Issues still not resolved or any offer of assistance made.

nib
nibnib
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Dot

DotNew South Wales

  • 2 reviews
  • 3 likes
  • Verified customer

Essential items not covered

published
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Page 1 of 16
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Questions & Answers

Customer

Customerasked

?

1 answer
Frances
Frances

I have never had a problem give them a call and sort it out that way they are very helpful

Paul

Paul asked

I’m on work Visa, I've been with nib for 4 years. Does NIB cover surgical or liposuction lipoma removal.

1 answer
nib
nibnib

Hello Paul,
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: nibovhc@nib.com.au, webpage: www.nib.com.au/overseas-working-visitors. Our International Businesses teams are available 8:30am to 6pm weekdays (AEST).

Kind Regards, Richard.

Andrea K.

Andrea K.asked

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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CategoryHealth Insurance
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