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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!