nib.co.nz Reviews 

I’ve been with nib for a while, and while the cover itself is okay, the overall customer service experience could be much better. It can take a long time to speak to someone, and I often receive unclear or inconsistent answers. Claims are not always as straightforward as expected, which makes the process unnecessarily stressful. Not terrible, but definitely disappointing considering the cost.

We have signed up to ultimate health insurance for 6 months.
The app that NIB says is easy to use and has your policy details on it doesn't have them and is not easy to use.
I have asked NIB 3 times for a copy of what we are covered for and how much and have been given everything but 3 times.
For the price you have to pay the service is very poor.
We recently tried to make a claim and ended up having to jump through so many hoops.
They came back and said the cover we have doesn't cover it. However the documents we were sent stated that's what it covers.
They then sent an approval for a procedure we hadn't even applied for and that we are not covered for.
So my question is why would you want to be with a provider like this!

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.

NIB NZ MEDICAL INSURANCE
My monthly installments went up from $ NZ $ 258, to over NZ $ 400. I couldn't believe it. I decided to phone them, waited for about 45 minutes. I wanted to discuss the big increase. I was told because of my age, and pre-existing conditions. Government contributions have decreased. They mentioned a lot of other reasons. Next I rang my broker but, they couldn't help either. I couldn't migrate to another scheme, that has a higher access. I find it appalling that they can it increase by that much. As members we can't do anything. Please consider carefully if you are going with NIB, especially if you're approaching middle age. You might get stung with big monthly installments. I have never heard back from them. In the meantime we are sitting ducks, and have no say in the matter. One if worst medical insurance companies I can think of.

Worst insurance company ever. I would give them 0 stars if possible. Extremely slow response time (minimum 2-3 weeks after sending an email to support). Customer service is an absolute joke and they clearly don't care about their customers whatsoever. I am beyond frustrated and will be moving all insurances away even thought we have been with them for over 10 years. No effort at all to help with pricing after 28% increase this year on our premiums

Do you guys operate out of a Mumbai call center because you're a scam that needs to be shut down asap. You are against morality

Do not use them slow response when your in pain
Then decline after they have had access to you medical records
SCAM

Their inability to action requests is breath takingly appalling. Requests in the app to change excess do not actually lead to any action; a great way to continue over charging me. Took five months of repeated contact to remove my adult daughter from my policy. Stuck with them due to prior conditions that won't be covered by other providers. Don't insure with them as you'd be better off chancing the public system.

Trying to get through to anyone helpful via the contact center is an extreme waste of time even when I have called at 8.30am on the dot. Wait a minimum of 40 minutes to around 2 hours on hold only for them to say there's nothing they can do to speed up the claims process on a claim that has been in progress for nearly 3 weeks (12 working days) after already waiting 14 working days for the pre approval first!

Getting a response from anyone via email is even worst. I have sent multiple emails and messages via the NIB app in the past 2 months and have not heard back from anyone at all. Not even the complaints department have responded to provide an update on why it takes a month for a claim to be approved (14 working days for the pre approval plus another 12 days and still counting for the claim)

The standard time frame for claims to be processed is absolutely ridiculous yet also very inconsistent! My dental claim was approved and paid in less than 24 hours yet I am still waiting for my daughters audiologist claim to be approved after already waiting 12 days for the pre approval to be accepted!

All in all, I don't recommend these guys at all. Claiming on everyday benefits seem to be quick yet everything else is a nightmare!

If It were up to me I would be changing providers in a heart beat but unfortunately my policy is paid for by my Iwi which I appreciate but wished we were with a better health insurer.

Summary; NIB lacks good communication skills, inconsistent processing times and time consuming pre approvals which don't help the claims process at all. Unhelpful call center employees that give different information each time you call.

Utterley hopeless. Simple change requests are a minimum 40 days in admin - well 40 days is promised but not even that is met. This company does not deserve to stay in business.