nib health funds Avis 103

No email.to send documents..you only call a number that direct you to a chat box. Started the conversation, transferred to a human to chat with but they just disconnect ceremoniously and no document is uploaded. It has happened twice. Its not my connection...its from their end. Its hard to communicate with them...no need to have them offer services if no proper channels of communication

Claims can only be made online. Plus there is zero discount for up from annual payment- direct debit discount only. I have claims to make but will not provide my account details despite all these big companies assuring how "secure" they are. I have already been involved in 2 major company's being hacked- ie customers details accessed. So I dont believed any of the sales pitch about how much they 'care'. It is all about profit. Too bad if we are hacked. Phone help was excellent but limited.

At first we had trouble with NIB THRIVE but we now have the best lady who looks after us and has been great

A reprehensible organisation that’s utterly shameless in their profiteering from their customers. Don’t expect your claim to get paid out unless it fits within a tiny and incredibly specific window.

NIB most unethical healthcare, constant pestering to transfer from AU Unity to them, offered joining bonus of free 3 months , joined, been since last July, when Myotherapist used card to claim treatment, gets rejected even though they’ve not paid a dime for 4 treatments allowed, stool sends Pestering emails, asking me to sign up with these clowns🤬🤪

I am appalled at the manipulative & appalling nature of NIB. I transfered across from another Health care group that provided “full hospital” coverage only to find out that NIB has 2 levels of Hospital cover & they gave me the cheaper cover in order to sign me up. I am now told that they offered me Hosp Cover that does not include hip replacement surgery!!!
When someone says “you have Hospital Cover” it means you are covered for any Hospital procedures.
This NIB health care is offered by Qantas… why are they using such a shonky provider???
Leaving me with a +$20k out if pocket bill that I will have to take out a second mortgage to fund. I’m devastated!!!
Never use them NIB

Paid $50 for a phone consultation to have my scripts filled. Could only get 1 script per consultation and was told I had to book another consultation for each script. Ridiculous

I am extremely dissatisfied with the cancellation process at NIB Health Insurance.

During my initial call, my identity was fully verified. Despite this, I was informed that cancellation cannot proceed without a secondary callback [from an unknown number] within 3 business days to reconfirm my personal details. No alternative secure method [such as written confirmation or online verification] was offered.

Given the prevalence of scams, requesting customers to disclose personal information to unidentified callers raises legitimate security concerns.

I also attempted to resolve the matter via online chat and was placed on a same-day callback list, which was not honoured.

The process appears unnecessarily restrictive, complicated, inconvenient and creates avoidable barriers for customers wishing to cancel. I expect a more secure, transparent and efficient system. Very disappointing experience.

Prior to taking out extras health fund, I had been with another fund that charged $10 less per week - but I had contacted i-compare and the consultant listened to my needs, basic - optometry and dental and advised me that NIB refund $300 per year optometry. Based on that and increased dental refund, I changed to NIB. I went to specsavers yesterday and found I only got back $169 on spectacles (60%) - the policy is misleading, and if I had stayed with the old, cheaper health fund - one gets back 100% or $180. This shows NIB is not transparent and an expensive option. Specsavers informed me that they hear the complaints from NIB customers all the time - expecting $300. Today, I went back to the cheaper and better health fund AHM where they're more honest. Very angry with NIB and wouldn't even rate 1 star. So, before I was paying $13 pf with AHM, on advice of comparing funds that I would get better, I was paying $25 pf to NIB and I got less back than if I was with AHM. I also strongly suggest do your own research and do not fall for what compare market consultants advise because the truth is NIB only gives 60% back. Poor value.

Very disappointed with my recent service from NIB. Very slow to respond to requests for pre approval. Do not answer the phone. The policy changes and huge increases in premiums is added insult to injury. BEWARE DO NOT PUT YOUR HEALTH IN THE HANDS OF THESE MUPPETS.

I was on an NIB visa-compliant health insurance policy, and the premiums became excessive. In December 2025, an equivalent policy from Medibank was $100/month, while NIB increased mine to $165/fortnight — almost triple the price. The yearly increases feel abusive, and the value for money is poor. I strongly recommend comparing other insurers before choosing NIB.

I was recruited by an external company to change providers after years of satisfied service with Frank Health. I was reassured I could pause my plan Jan 2025 as I don’t work during this period. I was later informed I’d need to be a client for 12months to do this (2 months shy). I downgraded my plan for the period and was then given information about a no gap dental service only to transfer my client files to a new dentist and then there was a gap fee on the day of the appointment. I’m a health professional myself and this is misleading conduct. I’ve called to resolve now a 5 day wait to determine the outcome.

The worst health insurance Australia could possibly have. They don’t help with anything and put nurses on the phone who say they don’t know how to help their patients. Terrible! The worst of all

I would like to express my sincere appreciation for the outstanding customer service provided by Meghan from NIB. Her depth of knowledge across NIB products was immediately evident, and she guided me effortlessly through changing my policy type to ensure I received the most appropriate extras cover for my current needs. She also provided up-to-date information regarding pain-management device options, which was extremely helpful.
Meghan’s kind, patient, and caring nature made the entire process easy and stress-free. She explained each step clearly, offered practical next-step advice, and delivered quick yet thorough explanations that were simple to understand. Her professionalism and genuine desire to help truly set her apart.
I would also like to extend my thanks to her supervisor, Cheryl. Both Meghan and Cheryl demonstrated exceptional professionalism, warmth, and genuine care throughout our interaction. They are both tremendous assets to NIB.
I am incredibly grateful for the support I received—outstanding service in every regard.
It is your high quality customer service that keeps us renewing our yearly policy for the past 13 years, mostly to do with the wonderful customer service.
On a separate phone call, outstanding customer service from Hannah today, she was incredibly helpful!

Worst health insurance company ever. Extremely slow response to basic questions and requests. Don't care about their customers in the slightest. Their customer service is beyond a joke. 28%+ price increases every year too. Stay away, don't go near them!!

Your whole outfit is a scam. Hoping for your business to collapse. Get out of nz

If the website mentions that there will be no gap fee in following clinics or even mentions doctors name, Dont trust, its scam. I trusted in website information and went to see a GP and found out they don't consider private insurrance. They handed me an invoice. Later I claimed it with NIB and it paid me way less then what I spent. The website information is to make their product attaractive. Dont trust them.

Appalling won’t answer calls I sat on the phone for over an hour still no answer. Cancelled my debit kept taking my money out won’t refund it. Put a small claim in following appointment said it was excess won’t pay. Wow look at their profit. You don’t have any support with these big companies rip off beware

Mofos bombarded me with calls trying to steal my ndis funding from my perfectly good management!!!
I've a terminal illness and this has been appalling!!!
I should get the ceos number and see how they like it!

Been with NIB for 10 years and I tried to add my partner for a joint health insurance, the person over the phone was perfectly nice but it was frustrating because they had different info to the website and kept changing their mind on the rates and products.

They sent a quote so we accepted it via customer service online chat, and the abridged version of the conversation was:
"ok your new premium will be $110 monthly, accept?"
"yes please"
"great you have paid, your new premium is $120 monthly"

Like ???? I had to go back and forth with them and apparently it was because of 2 reasons:
1. purposefully omitting that only the first payment was $110 and ongoing it would be more.
2. an error in their system.

They weren't able to fix the technical error. I was bringing them extra business and even after going back to just a solo rate, it was more expensive than previous. So I have given up and moved to a different insurer.