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.
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.
Worst Experience with Health Insurance
I had some worse experiences with other health insurance but this is the worst.
I did not get GP visits for my parent's claim paid fully, even though I do not pay anything when I use my medicare. Medical center does bulk billing. I paid premium for GP Visits included.
Insurance got terminated because they do not provide it if visitor stays more than 1 year even in current pandemic situation.
Keep jacking up premiums and you get nothing back.
They have just increased my premium, and I ran out of chiropractic cover so now out of pocket with that. These guys are a profits driven insurance company with no care for their customers. Thought I had a heart issue and needed a stent, also not covered and had to pay more for extra cover.
Bad customer service
I changed after 34 years from AHM to Qantas Health, which is NIB. Their customer service after signing up is non existent. I wait for a $12 refund for cancelled travel insurance since March. So before experiencing problems with their health insurance, I will leave them immediately
Horrible experience. They will hold your policy as a hostage.
Been with NIB for almost 5 year, due to the situation described below I have been paying double for my health insurance. I have severe tooth pain. Dental clinics are not accepting my insurance. Excruciating pain. NIB created a wall of "we don't care" kind of attitude. This has been dragging for almost a month now.
After stuff up by NIB, I have switched all my products with this company, including their health insurance.
Health insurance was the only one I had problems in switching. They would hold Clearance Certificate hostage. For almost a m...onth I'm not double charged for my insurance. After, I have unsubscribed from all their marketing and canceled the policy and requested clearance certificate: - Still spammed by their system, no matter how many STOP messages to TXT I send, or Unsubscribe buttons i push. - Clearance Certificate Still not released. - Still charging my bank account for almost a month now.
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.
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...
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.
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.
Horrific claims process
Had a hospital admission claim declined because I didn’t think I actually broke my foot. They declined it without asking any further information. Could not get through to anyone to answer and say why. Eventually told someone would call me back in 24hrs. 72hrs I received an email with no clarity. Had to lodge a complaint with the Health Insurance Ombudsman. The approved the claim within 2hrs of the complaint lodgement.
Never ever again I will get any insurance with this company.
They understimate their clients!
I have bought an international student health cover (oshc) and for some reason my visa was refused then at the moment of applying for a refund they have made all super difficult also taking me as an ignorant, they tried to convince me that I still need the insurance but I know is not true, they have done all possible to not to refund, telling me fake legal requirements and things like that.
I am serious person and my case or customer number is 43021295
I have top corporate gold cover hospital and extras with NIB ( $525 p/m for two 40+ adults). Recently I had to have shoulder surgery and contacted NIB to check my coverage, they reviewed it all and said I was fully covered including the item numbers from the anaesthetist. All I would pay was the excess, which was $500. My anaesthetist bill was $1140, of which Medicare paid $225. I forwarded on the bill to NIB and got back a tiny $75. Leaving me about $840 out of pocket, not including the excess.
When I called them they said they would have exp...lained the fees, which they didn’t and they pay up to 75% of the scheduled fee. The take away is, if you’re only going to get a set refund shop around for a cheaper provider. That’s what I’ll be doing!
Paid $920 for a surgery plus the $500 excess. Received only $92 back on my claim despite having top tier cover. It would of been $408 cheaper to not have insurance.
Initially when I called NIB concerned I had not received any benefit they informed me I would get a call when my claim was processed. I didn’t receive any communication.
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 .
ProductReview.com.au has affiliate partnerships. These do not influence our content moderation policies in any way, though ProductReview.com.au may earn commissions for products/services purchased via affiliate links.