Though I received five new diagnoses, all recently discovered conditions, NIB refused to pay for my treatment because they decided that reporting a painful period to my doctor is a pre-existing condition.

Under this wording, because all women have painful periods, being a woman, according to NIB, is a pre-existing condition.

This is a horrifying gender disparity and I will be switching over all of my products, including my 2mil life policy, my income cover, and all of my premium coverage.

I'm from the states...and even I think this is bad.