Iselect talked me into switching from HCF silver to NIB health insurance extras, better payout for individual general & major dental. I had not completed the last step of payment details sent via email. A few days later after I was contacted by HCF, they offered to waive 2 weeks premium convinced me hcf better in my situation (have already paid for childrens braces, I get free dental as I’m on DSP), I use physio etc., not covered by NIB.
I contacted nib, very day policy commenced, also knew I have 30 days cooling off. Was informed I couldn't cancel NIB unless payment taken?! I don't want to give them my payment details, 1/hcf will perceive I have swapped insurers 2/Nib can't be trusted keep taking the premiums, 3/ hassle I will need to chase up I have been reimbursed. Advice please
Sorted! HCF advised my policy was never cancelled, not to pay nib.
An aside; nib 3 days ago replied to my please cancel email ‘sorry our team are exceptionally busy…chat to nibby 🤣
NIB really turned me off at their very first email to me which was a whole page of info..’ Student dependent..Adult dependent…to have your daughter remain on your policy the cost of your cover would increase by $21 per month! Even though she is a full-time student. A very badly worded email once I read this I decided to contact hcf & stay with them, better the devil you know, though all health funds make billions in profit. Thanks for all your advice ozbargainers.