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I hereby notify you of my decision to terminate the contract relating to the Nib service.
This notification constitutes a firm, clear and unequivocal intention to cancel the contract, effective at the earliest possible date or in accordance with the applicable contractual period.
Please take all necessary measures to:
– cease all billing from the effective date of cancellation;
– confirm in writing the proper processing of this request;
– and, if applicable, send me the final statement or balance confirmation.
This cancellation is addressed to you by certified e-mail. The sending, timestamping and content integrity are established, making it a probative document meeting electronic proof requirements. You therefore have all the necessary elements to proceed with regular processing of this cancellation, in accordance with applicable principles regarding written notification and contractual freedom.
In accordance with personal data protection rules, I also request:
– deletion of all my data not necessary for your legal or accounting obligations;
– closure of any associated personal account;
– and confirmation of actual data deletion according to applicable privacy rights.
I retain a complete copy of this notification as well as proof of sending.
Important warning regarding service limitations
In the interest of transparency and prevention, it is essential to recall the inherent limitations of any dematerialized sending service, even when timestamped, tracked and certified. Guarantees relate to sending and technical proof, but never to the recipient's behavior, diligence or decisions.
Please note, Postclic cannot:
- guarantee that the recipient receives, opens or becomes aware of your e-mail.
- guarantee that the recipient processes, accepts or executes your request.
- guarantee the accuracy or completeness of content written by the user.
- guarantee the validity of an incorrect or outdated address.
- prevent the recipient from contesting the legal scope of the mail.
Cancellation Nib: Easy Method
What is Nib
Nib is a health insurance and benefits provider that offers membership features such as policy management, claims submission, rewards and digital health tools through its website and mobile apps. It operates direct subscription services (Recurring Plans) and also has products available through third‑party platforms.
How to cancel Nib
- If you purchased via a third‑party platform (App Store, Google Play, Amazon, Roku), cancel or request a refund through that platform’s account/subscriptions page - nib does not process returns or refunds for purchases made there. For nib’s terms see thenib terms of service.
- If you have a direct Recurring Plan with nib, cancel by disabling the Recurring Plan in your nib account settings or by contacting nib support; the subscription will remain active until the end of the paid period and there are no partial refunds for the current period.
- If you need proof of cancellation or are sending documents, consider registered mail (“raccomandata A/R” or equivalent) to ensure proof of dispatch and receipt; see the address at the end of this guide.
- Always keep screenshots of cancellation confirmations, reference numbers, and any messages or emails from nib or the third‑party store.
What happens when you cancel
Cancelling a recurring plan stops future renewals but does not shorten the current paid period: you retain access to benefits until that period expires. For purchases made through third‑party platforms, the platform’s cancellation rules and access periods apply. nib will retain records needed for claims, legal and regulatory purposes according to its data retention policies; contact nib for specifics about your account data.
Will I get a refund?
Nib’s policy is not to refund fees already paid for the current paid subscription period - payments for the active period are non‑refundable even if you cancel early. If a product or service purchased directly from nib is misrepresented and cancelled before shipment, nib may issue a credit for the purchase price. Refunds or credits for purchases made via App Store, Google Play, Amazon or Roku must be handled through those platforms’ refund procedures.
Nib plans and pricing
| Plan | Price | Period | Features |
|---|---|---|---|
| Free nib membership | C$0.00 | One-time / ongoing | App access, manage cover, submit claims, nib Rewards, health and symptom tools |
No public list of paid health insurance plan prices for Canada was found; pricing for paid plans may require a personalised quote from nib.
Your consumer rights in Canada
Under Canadian consumer protection principles, digital subscription services should provide clear cancellation mechanisms and remedies when a product or service is misrepresented. Provinces and territories may have specific rules that affect refunds and cooling‑off rights, so your exact rights can vary by location. Purchases made through platforms such as Apple’s App Store or Google Play are subject to those platforms’ refund and dispute procedures; you may have recourse through Apple or Google even when the merchant (nib) does not directly issue a refund. For federal guidance and further information, consult consumer protection resources such as the Financial Consumer Agency of Canada.
Customer experiences
Many users praise nib’s digital conveniences - receipt upload, contactless claims via the app, and rapid dental claim payouts when documentation is complete. At the same time, common complaints include long phone and email wait times, inconsistent processing speeds, unexpected policy changes (for example, removal of benefits or introduction of co‑payments on renewal) and occasional issues with app or member portal functionality that prevent viewing balances or submitting claims. Experiences vary significantly by case and timing.
Documentation checklist
- Policy or membership number and registered email address
- Proof of purchase or subscription (receipt, order confirmation, platform transaction ID)
- Screenshots or copies of cancellation requests, confirmation messages, or in‑app cancellation toggles
- Claim documentation if relevant (receipts, invoices, provider statements)
- Bank or card statement entries showing the payment(s)
- Any correspondence with nib or the third‑party platform
Common mistakes
One common mistake is attempting to get a refund from nib for a purchase made through an app store - those refunds must be requested from the platform. Another is cancelling without saving confirmation evidence; without proof it can be harder to dispute future charges. People also sometimes assume cancellation takes effect immediately and lose sight of the fact that access typically continues until the end of the paid period, which leads to confusion about expected service availability and billing.
Comparative recap
| Method | Refund | Difficulty |
|---|---|---|
| App Store / Google Play / Amazon / Roku purchases | Refunds handled by the platform; nib does not process these refunds. | Moderate to High - must follow platform procedures and timing. |
| Direct Recurring Plan (nib account) | No refund for the current paid period; cancellation stops future renewals. | Low - cancelling is straightforward, but refunds are not provided for the active period. |
| Product/service misrepresented and cancelled before shipment | nib may issue a credit or refund for purchase price if cancelled prior to delivery. | Low to Moderate - typically easier if you act before shipment and retain documentation. |
After cancelling
Keep all confirmation emails, screenshots and transaction records and monitor your bank or card statements for unexpected charges. If your purchase was through a platform, follow that platform’s refund dispute process and keep records of all communications. For nib’s own terms and cancellation information see thenib terms of service. For platform refund procedures see Apple’s and Google’s support pages (for example, Apple report a problem and Google Play refunds). If you believe a product was misrepresented, cite the evidence and request a credit or refund from nib as documented in their terms.
Address
For registered mail or paper correspondence (to ensure proof of dispatch and receipt): nib Health Funds Locked Bag 2010 Newcastle NSW 2300 Australia