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.

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?

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.

I have been with nib for 4 years. I was in Silver private cover. I needed an eye operation (Cataract) I was shocked to find out I wasn't covered for such a simple operation!

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.

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.

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.

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 .

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.

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

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

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.

Reading my policy, I realised being a male gynecology, pregnancy termination and breasts implants do not apply to me. Of course I contacted NIB to see if I can remove and add treatment options that are more applicable to my gender, only to be told, their policies can't discriminate against gender. Commom sense needs to prevail here NIB.

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.

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.

I would have given no star for sure.
Stayed on the phone for 45mins and i only asked to merge my policy with my hubbys. I have been a NIB customer for say 5 years? But im going somewhere for sure.