NIB service policy and coverage is NOT made for people who really need a support.
I've been NIB for over 10 years, paying top dollar with no claim(i've been healthly). When I need more health fund accidental dental repair, they can not help me more than normal paid. NO respect how long you are with. REALLY FRUSTRATING. I could just put aside my saving every month instead of paying to this non-sense health fun.
NIB is just collecting cash to the NIB business investors more richer - NOT customer concern of helping people's medical bill -- BAD BUSINESS MODEL.
GRAB CHEAPEST COVERAGE from private insurance, put extra cash to saving, actually has more benefit than paying "Top premium" to the company LIKE NIB!
Good cheap health insurance fund. I was a member of another one but they kept on raising my premium heaps each year so I was happy to go to NIB which were a lot more competitive. They even have an i phone app to claim!