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!