pretty happy with extras
I am with NIB for 5+ years (extras only). pretty happy with them.
Get free dental check-ups and gap-free treatment.
I like their dental clinics in Sydney but here in Canberra they only have 1 center and almost impossible to get a suitable appointment there. it is good that private dental clinics offer gap-free checkups.
Claimed a few times for ambulance and glasses, everything was done quick and easy.
their phone app is a disaster! never can logging from my phone for months. it just keeps asking me to log in again and again.
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.
Great customer service
Nib customer service is good and ready to help you. I was charged extra fees for a dental treatment because I was misinformed by one of the representative so the next time I called the manager happily credited back the extra amount and adjusted that into my premium. As a result it restores my faith into the company and I’m thinking of going for another product with them soon.
Both me and my wife have nib cover and we are happy with them. I think it’s customers duty to be informed before going for medical treatments to be better informed.
Let's be fair
I've been a member for quite a few years and have never had an issue with NiB.
I recently needed clarification on the Govt initiated changes and the Call Centre couldn't be more helpful (as frustrating as my enquiry must have been). They really went over and above.
My 4 stars rating is the result of reading the "exclusions" with their Travel Insurance. It appears that nearly everything is excluded! If I'm drinking on holidays, any medical issue is excluded. If I'm walking around the block, in sports shoes, I better have an "optional" package. This troubles me as I want to be able to enjoy myself and know I'm covered. I also want to be loyal to NIB, as every other experience I've had, has been so positive.
So Far, So Good
I have a single parent policy and have held it since 2013. I recently claimed glasses from Specsavers. The glasses, including lenses, came to just over $450 and I received $306 back- I thought this was pretty good. I must admit, we are very fortunate not to have made any large claims or that we have not had any major health issues that would require hospitalisation- perhaps my review might be different. I have found the people in the call centre helpful- and they call back when they promise they will. It is also an Australian-based call centre,...and I find this reassuring as well. I am going overseas for work, and nib were able to suspend my policy and issue my son with an independent policy- and this was done in under 20 minutes over the phone with a very informed and helpful call centre assistant. I can say that I'm happy with the organisation, and the premium I pay monthly is also very reasonable.
So far, so good!
We have been with NIB for a few years now and have used the NIB dental centre for our 6month scale and cleans for the whole family (no out of pocket at all), plus we often use optical. We’ve never had to claim anything serious thankfully but I wanted to give a positive review because in comparison to my other insurance policies for home, contents and car insurance, a company like NIB actually stands by their policy unlike other organisations who do and say anything to get out of paying valid claims. Well done NIB!
I was recently looking for new health insurance for our stage of life as a couple...I thought I had found the perfect policy and signed up to change over from our present one....then ir ead our email which said we were paying what I thought was a monthly amount was actually a fortnightly amount. I had not read things properly and just saw the instalments amount....I did a quick panic as I had already approved the credit card payments each month. I called NIB and explained and was put onto a lovely man who calmed me down and arranged to revert the application as though I hadn't applied for it. He was so helpful it made me wish theirs was cheaper than what we have so I could deal with them more...
Just switched from Medibank due to price increase
I've yet to actually claim on my cover.
I'm believing that the Medibank to nib transfer will go smoothly.
Staff in offices are a bit hit and miss with their knowledge and attitude
Great Dental service and clinic
NIB dental clinic staff are very professional, and the service is really good. NIB premium is not the cheapest in the market, and you only 50% back, but I never had any problem in making a claim for Extras
Great customer service!
We are very new to NIB and have not had the opportunity to use the NIB dental and eye centres. But overall NIB have been great so far, helpful and explain things clearly. We are very happy with the level of cover and rebates received, in particular for physiotherapy.
100% Reassurance During One of Life's Difficulties
Two months ago I was made redundant from my job and when I rang and spoke to the NIB staff they were very compassionate, warm and showed empathy. They guided the process by reassuring me that my policy payments could be "put on hold" during my unemployment period. That option provided me with reassurance that NIB would temporarily "suspend" my policy direct debit payments until I was able to financially get back on my feet. Being unemployed is stressful enough without having to worry about how you can pay your bills. Needless to say I now h...ave a wonderful, new job and the direct debit payments will be reinstated in a suitable enough time which will still allow me to get back on my financial feet! I wasn't penalised in any shape or form so that was also an added bonus. Well done to all the lovely staff at NIB!!
Good to loyal customers
I was impressed with not only the quick turn around with my callback enquiries as well as my emails, but the excellent customer service to assist in reviewing my needs. Knowledgeable in asking the right questions to source information from me, and understanding in regards of my personal situation. Really great to deal with!
Consistent, Efficient and Easy
There are a number of negative reviews on this site, but they do not marry up with my experience. NIB have always been helpful and paid quickly on all claims. I have spent a lot of time in hospital over the last 3 years and have had excellent support and service throughout. In fact, they went out of their way to cover me for an issue even though I had not completed their waiting period (albeit by just a few days).
When the price rises occurred, I could have changed, but instead called up their customer support to update my cover and to ke...ep the cost down (comparable to their competitors). They were extremely helpful and found a new more cost effective cover suitable to my family's needs. They are not the cheapest, but they are affordable.
No problems with NIB
I have been with NIB since 1994 and in that time have had 2 x ACL reconstructions, significant amount of chiropractic, regular optical and most recently a kidney stone. I have found NIB easy to deal with and also received good advice from their staff in regards to querying service providers as to how much they charge above the fee as scheduled by the Government in order to make an informed decision before committing to use a service. Claims have always been payed promptly. Only negative is no NIB office in Adelaide.
Best call centre help
Very knowledgeable and helpful staff, very understanding attitude. The person who helped me gave very accurate and sound advice. The follow up email with more information came within 2 minutes.
Great Speedy Service
Great service, did not need to wait on hold to speak to a real person. The website was very easy to use, as I signed up through the site.
So far so good
I recently changed health funds from HCF to NIB , the main reason is the inflexibility I found with not being able to have a policy with cover I don't need. Nib was able to provide the cover I needed also at nearly one hundred a month better off . The dental clinics at HCF are now employing hygienists instead of dentists so I was concerned of cost cutting sacrificing patient care. If this is an indication of patient care be careful go see your local Dentist.
A good service for OSHC students
(this is an old review - they no-longer require this as far as I am aware)
This service requires me (a unsw international student) to send a claim form, or visit them to get my invoice paid (for multi item invoices). In contrast other services like Medibank, are automated so I just give the health provider may card and they do the rest.
Further they seem like a badly run service in terms of how they deal with customers. There are several reasons why I think this, but I will just give this example.
I rang today to claim for my multi inv...oice items by phone (which the website suggests as an option on its how to claim page) and was told that that OSHC students can't do this. I then mentioned to the lady I spoke to that it doesn't state this clearly on the website and perhaps they should add something to the "how to claim section" to make it clear that telephone claims don't work for OSHC members. In response, she told me that no where on the site did it say that OSHC students could claim by phone (the only section of note was the how to claim section, so how was I to know I couldn't). She also said I needed to look at the OSHC student section on the site to understand thing (I did and it is useless in terms of telling me how to claim). She didn't appear to know how their online claim system worked; the fact that it doesn't accept multi item invoices. So not only is the website and on-line application poorly designed and not very helpful, the customer service staff don't appear to know about it, or be receptive to feedback about their service. Now I must go and photocopy my invoices and then post them along with a claim form. Such a modern service :) Cheaper I guess Bad and inefficient service, poorly integrated, makes me have to do more work than other services.
I rarely fill in surveys let alone write a review on products, but I thought I write this one because it's worth it! I find NIB value for money, easy hassle free claim back process, the customer service over the phone is helpful and I like the app! Though I wish there is a better couples combined extras only cover. My husband and I wish to combine our covers and bring him over to NIB but when we did the maths, there is no real savings. The price is my cover now x 2. I thought there might be like 20% off or something, similar with other insurances.
Hassle free claim
No apparent savings on couples extras only cover
Love the freedom of choice.
I cant say enough about personal assistance in this age of electronics. Knowing there is a NIB shop in town make's life easy. I had an emergency appointment at the dentist and still had time to get my money back that day. It was very enlightening no stress just what you need.
So easy no stress.
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: email@example.com, 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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