Called NIB to cancel my policy today told me that I cannot cancel my policy because I am still on a bridging visa from a Partner Visa Application. I told them that I have already an interim Medicare Card but they said until I get my Permanent Residency that’s when they cancel my policy!! I have consulted migration lawyer regarding this matter they said it is my right to cancel my policy and they don’t have the right to hold me back! Thanks hat a way to intimidate people NIB!
Terrible worse company ever they advertisement promotion on waiting period then emailed change the price promotion is not available. Then charge more for the premium! Customer emailed was unprofessional get angry to customer.
Not doing their job properly
This is the second time I had to call them and ask them to double-check their decision. My plan covers GP visit, however, they didn't approve the claim. It took them almost a month to do this, yet the job wasn't even done correctly. Furthermore, I had to wait for another 3-5 days for them to process the payment. Such a waste of time.
In addition, It takes a long time to get on the phone with customer service. Gave them my details, however, it was still being asked when I got on the phone. The lady was alright, but the NIB customer journey is just terrible.
Terrible Terrible Terrible, It takes ages to payback claims
the policy looks great and cover many extras but what they do with the extras claims they would decline your claim after waiting for few months so that you don't remember what the claim was for, and then you have to call them to solve this issue which would take another decade to solve. I've been with NIB from 2015!! and its getting worse to worse.
Very unhappy with high out of pocket expenses when you thought you were covered!!
I thought I had carefully researched my health fund NIB. When I found I needed prostate surgery my shock and disappointment as to how NIB handled covering the surgeon and anaesthetist fees became apparent. Whilst both the surgeon and anaesthetist would use the “known gap” method used by most health funds NIB offers a “Medigap” product which offers a much lower payment to medical professionals and hence they refuse to touch it, so you are left the full out of pocket expenses in my case over $12,000. When you pay well over $4,000 pa in fees to NI...B you expect MUCH MORE! You only find this out days before surgery and you have no chance to change funds. I had been generally happy with NIB until I needed to go into hospital. Then you find out NIB are the worst fund in paying out “out of pocket expenses”. BE WARNED!!
Taking double unauthorized payments upon joining!
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.
Intentionally making support difficult as they continually inflate costs above CPI
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.
Yes good value had a couple of operations in the last two years , all I had to pay was my chosen excess, everything was sorted between hospital and nib ,we have been with this company for seven years ,never a hitch .
Lovely friendly staff happy to help me out of an unusual situation - really prompt and explained everything thoroughly. Couldn’t have asked for a more perfect phone call experience the last couple of times I’ve rang. Thanks Caz and Luke!
Don't waste your money! Ridiculous customer service and the contract is deliberately misleading
I purchased NIB's OSHC plan about 3 years ago.
The customer service was never helpful whenever I called. When I called to inquire about my claims they always told me just to wait and be patient and the claim would come through. This is very different from their statement "Claims made in your member account will be processed within five business days. You’ll be notified when the claim has been paid into your account. If your claim has been rejected, you’ll receive a claim rejection letter via the preferred method of contact we have listed for ...you. " Sometimes I have to wait for 2 months to receive my claim, unbelievable. But that's not the biggest issue. When I bought the OSHC plan to be eligible to apply for the student visa, I paid for the cover till the 31st of August 2021. They sent me a Confirmation of Health Cover with a policy end date on the 31st of August 2021. However, I was then told that my coverage is only till June this year. When I called in they spent hours explaining how "confirmation of health cover" doesn't provide the actual date and kept on requesting more money. I am skeptical whether this is lawful at all since I used that coverage date to apply for my visa. It seems to me NIB is trying to get customers misleadingly low rates and provide the customers the documents to get around Visa application with a longer coverage period, which is NOT the actual coverage period. For this matter, I called in twice and hours of my time was just wasted without actual progress.
Not good value for me
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.
Loyal Customer No More
I have been a regular member with NIB for 9 years. I was wanting to upgrade my policy to include acupuncture for a chronic disease as it may help with my condition. After contacting NIB to upgrade they advised I would have to complete the full waiting period of 2 months. I couldn't believe this after I have had a continuous policy for over 9 years, most years not even using my full benefit. There was no loyalty from NIB and they wouldn't waive or reduce the waiting period at all for the acupuncture side. I also asked if I could pay out the wait...ing period so I could start this treatment asap...still NIB offered me nothing. Really couldn't believe this after being a loyal customer. I am now looking around for a better provider who actually wants to keep members.
First class health insurer
We have had claims in past 12 months of more than $20000 and experienced great service, benefits paid at good level, premium reasonable and very good App and phone service.
Don’t Hold Your Breath When Claiming
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.
Unbelievable Out-of-Pocket Expenses
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.
Delay refund for profit
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
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.
Pretend Health Insurance
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.
Unpaid claim for the last 10months!!
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!
NIB Call centre is a complete DISASTER
I have been with NIB for over 10 years. Once of the reasons I had stayed was because their call centre was easy to get hold of and was able to efficiently answer any queries that I had on my policy.
They now appear to have outsourced their call centre to the Philippines (presumably to save some dollars) and based on my experience today it is now a complete DISASTER.
I rang the call centre today to ask some simple questions about why they had not paid out the amount I was expecting for my gym membership claim. The call centre consultant was r...obotic, seemed unable to properly understand my questions and didn't have a decent knowledge of the policy. I have just spent 45 minutes on this call and my questions have still not been answered. I now have to wait a further 24 hours for a supervisor to call me back and hopefully they can then explain why my claim was not fully paid. Believe me my questions were not hard. When NIB had a decent call centre, I expect this matter would have been resolved in 5 minutes. God knows what this would be like if I had to make a claim for a complex medical issue. I think I would go mad dealing with this call centre.
Questions & Answers
I have never had a problem give them a call and sort it out that way they are very helpful
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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