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NIB Health Insurance

NIB Health Insurance (page 3 of 16)

2.3 from 557 reviews · View Statistics

Reviews

  • Value for Money
    1.2 (94)
  • Transparency
    1.2 (82)
  • Customer Service
    1.3 (94)
  • Claim Resolution Time
    • <1 week (6)
    • 1-2 weeks (8)
    • 2-4 weeks (6)
    • 1-2 months (5)
    • 3+ months (15)
  • Claim ApprovedYes (14) · No (32)
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Nick

NickSouth East Queensland, QLD

  • 5 reviews
  • 9 likes

Horrible experience. They will hold your policy as a hostage.

published
5 comments
nib
nibnib
Nick
Nick
nib
nibnib
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Frank Health Insurance

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Shaddy

ShaddySydney Surrounds, NSW

10 year customer leaving

published

Have paid NIB for over ten years and have only ever claimed one payment in this time.
6 months ago i begun a process of getting an invasive surgery done. 6 months ago i did all the right things and made sure i was completely covered by NIB for everything relating the surgery (except the anesthetist wasnt covered but that is okay as i had learnt that 6 months ago) Now here i am days before the surgery and i am being told that NIB wont cover the surgery or the private hospital when i was told months ago that i was? Now i have to fork out thousands of dollars in a matter of days even though i have spent what? tens of thousands with NIB over the years?

Thank you. . .

1 comment
nib
nibnib

Hi, I am so sorry to hear about your experience with nib regarding your procedure. I would like to investigate this for you. I have sent you a private message regarding this matter. Regards Emma.

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Bridget

BridgetVictoria

INCORRECT SCRIPT

published

In 2018 the optometrist incorrectly filled out my script which caused further damage to my eyes. Furthermore, I was assured my direct debit would be put on hold when I moved overseas. Nope, payments came out and there was absolutely no support when I tried to rectify the situation.

1 comment
nib
nibnib

Hello Bridget,
A private message has been sent to assist you in this matter.
Thank you, Amanda.

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Patrick W.

Patrick W.

  • 2 reviews
  • 5 likes
  • Verified

NIB - stands for Not Interested in Benefits

published
1 comment
nib
nibnib
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Steve. lei

Steve. leiSydney, NSW

  • 4 reviews
  • 3 likes
  • Verified

No Trust for this company

published
1 comment
nib
nibnib
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Peter

PeterSouthwest, VIC

  • 8 reviews
  • 8 likes

Avoid this company

published

They never pay you claim with the same criteria.
Same doctor, same bill paid, different amount received back!
I Always had to chase them to pay the claim.
Not a good customer service over the phone, they hire people that can not speak English or understand 100% what you saying!
Cheap company, cheap service, they do not pay you more then 25 %of your claim, don’t trust them, hopefully this company will be shut down!
Note for NIB, don’t even try to contact me to discuss this feedback. Hopefully people will choose other company after my feedback.

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Frank Health Insurance

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Sona

SonaSydney, NSW

  • 2 reviews
  • 4 likes

Zero! Worst customer experience

published

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.

3 comments
nib
nibnib
Sona
Sona
nib
nibnib

Hi Sona,
Thank you for your reply. I have replied to your private message regarding the matter.
Kind regards,
Michelle

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Sam

SamPerth, WA

Nib health care

published
1 comment
nib
nibnib

Hi Sam,
I am sorry to hear about your recent experience with nib. We would certainly like the opportunity to discuss this with you. I have sent you a private message regarding this.
Kind regards,
Michelle

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Alan T.

Alan T.Perth, WA

  • 11 reviews
  • 41 likes

Two nights in hospital - $1000 in out of pocket expenses plus the excess

published

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?

3 comments
nib
nibnib
Alan T.
Alan T.
Alan T.
Alan T.

Now all of a sudden there's another reason the out of pocket costs are so high.
Seems they'll try and fob you off with one ridiculous excuse, i.e. we don't pay for "out-patient" services and when caught out in that lie they try another lie.

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Kiwigal

KiwigalBonner 2914, ACT

  • 5 reviews
  • 1 like

Not the best insurance

published

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.

1 comment
nib
nibnib
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Jason from NIB chat is the most rude and demeaning person I have ever encountered.

published

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.

1 comment
nib
nibnib
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CJ

CJVictoria, 3809

  • 4 reviews
  • 7 likes

Should give minus - Bad customer service

published
1 comment
nib
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Frank Health Insurance

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loss

lossSydney, NSW

  • 2 reviews
  • 3 likes

Simple surgery

published

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.

1 comment
nib
nibnib

Hi, I am sorry to hear about your experience with nib. I would like to take this opportunity to look into this for you.
I have sent you a private message regarding your post if you can please reply to.
Kind regards,
Michelle

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I wasted all day try to log in the so called new website , waiting for a verification through email which never arrived

published

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 .

1 comment
nib
nibnib

Hi Brian, I am really sorry to hear about your experience with the online services and would like to assist you.
I have sent you a private message regarding your post.
Kind regards,
Michelle

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Rau

RauSydney, NSW

  • 2 reviews
  • 3 likes

CLAIM

published

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.

1 comment
nib
nibnib
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Claims keep disappearing while prices keep increasing

published

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

1 comment
nib
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Suneil Kulkarni

Suneil KulkarniPerth, WA

  • 2 reviews
  • 2 likes

Worst Service - AVOID USING THEM

published

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

1 comment
nib
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NIB gaps

published

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.

1 comment
nib
nibnib
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Frank Health Insurance

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vrxbeachboy

vrxbeachboy

  • 24 reviews
  • 10 likes

Horrible Service

published

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.

1 comment
nib
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A B

A BGreater Melbourne (Outer), VIC

  • 2 reviews
  • 2 likes

Pathetic

published

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.

1 comment
nib
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Page 3 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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