Cancellation service #1 in New Zealand
Dear Sir or Madam,
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.
Cancel Nib: Easy Method
What is Nib
Overview
Nib is a New Zealand-based health insurer offering private health and travel insurance products for individuals and groups.
What they provide
Products include everyday (day-to-day) cover, hospital cover and travel insurance, plus online account management via the my nib portal and app.
How to cancel Nib
Main cancellation methods
- my nib portal or app: Log in, select "My cover" → Request to change cover → under Subject “Other” and Subject Category “Cancel my policy”. Submit at least 30 days before intended end date.
- Phone: Call 0800 123 642 to request cancellation or discuss options; a written request via the portal is required to finalise in most cases.
- Written notice via secure online portal: The policy owner must notify in writing through my nib at least 30 days before the cancellation date.
Step‑by‑step for the portal
- Log into the my nib portal or open the nib app.
- Go to "My cover" and choose "Request to change cover".
- Select Subject = "Other" and Subject Category = "Cancel my policy".
- Enter the intended end date (allow at least 30 days) and submit the request.
- Keep confirmation or reference details and follow up if you do not receive acknowledgement.
What happens when you cancel
Access to cover
Cover continues until your nominated cancellation date. Claims for dates after that end date will not be accepted.
Policy records and renewals
Your policy will not auto-renew after the cancellation date. Nib will retain records under their privacy policy and regulatory requirements.
Will I get a refund?
Cooling-off and early cancellation
Health insurance: there is a 30-day cooling-off period - full refund available if you cancel within this time and no claims have been made.
Pro‑rata refunds and travel policies
- After the 30-day cooling-off period for health cover: you can cancel anytime and receive a pro‑rata refund for unused premiums. No cancellation fees are mentioned in standard guidance.
- Travel insurance: typically a 21-day cooling-off period for full refund if unused; refunds outside that period may be possible for specific circumstances subject to the policy terms.
Nib plans and pricing
Pricing summary
Below are representative plan names, pricing and main features. Prices may vary by age, excess and promotions.
Price table
| Plan | Price | Period | Main features |
|---|---|---|---|
| Everyday Plan - Standard | from NZ$10.66 per week | Weekly | Day‑to‑day healthcare: dental, GP, physio, optical, therapeutic, mental health (claim back ~60%) |
| Everyday Plan - Premium | from NZ$19.58 per week | Weekly | Enhanced day‑to‑day healthcare: higher limits and claim‑back (~80%) |
| Hospital Plan - Standard | from NZ$14.44 per week | Weekly | Hospital‑level cover: surgery, specialist consultations, diagnostics, cancer treatment |
| Hospital Plan - Premium | from NZ$19.96 per week | Weekly | Higher benefits for hospital cover (surgery, diagnostics, cancer care) |
| Standard Everyday - Annual flat rate (adults) | NZ$436 per year | Annual | Flat‑rate pricing irrespective of age or health (Adult pricing after 2025 update) |
| Premium Everyday - Annual flat rate (adults) | NZ$696 per year | Annual | Flat‑rate pricing irrespective of age or health (Adult pricing after 2025 update) |
Your consumer rights in New Zealand
Cooling‑off rights
New Zealand policyholders have a statutory cooling‑off period allowing a full refund if the policy is cancelled within the specified time and no claims have been made.
Dispute resolution
- If internal complaint resolution fails (the company has up to 14 days to respond), you can take the matter to the independent External Dispute Resolution scheme operated by the Insurance & Financial Services Ombudsman (IFSO).
- For guidance, visit IFSO.
Customer experiences
Positive feedback
- Some long‑term users report smooth claims processing, especially for employer group plans and routine dental claims.
- Others praise affordable cover options and ease of using the app for everyday claims.
Negative feedback
- Major complaints include premium increases, long hold times and difficulties when downgrading or cancelling plans.
- There are reports of unexpected policy changes, removed benefits and app/portal functionality issues causing frustration.
Documentation checklist
What to prepare before cancelling
- Policy number and full name of the policy owner.
- Preferred cancellation date (ensure at least 30 days' notice).
- Reason for cancellation (optional but helpful) and any supporting documents if relevant.
Refund and follow‑up details
- Bank account details for refund (if required) or confirmation of payment method.
- Keep confirmation emails/screenshots from the portal and any reference numbers from phone calls.
Common mistakes
Timing errors
Failing to give at least 30 days' written notice through the my nib portal is a frequent issue, which can delay the effective cancellation date.
Assuming a phone call is enough
Calling may start the process or discuss options, but a written cancellation via the secure portal is typically required to finalise the cancellation.
Comparative recap
Quick comparison
The table below summarizes key points: notice period, method, cooling‑off and typical refund outcome.
Comparison table
| Aspect | Info |
|---|---|
| Primary cancellation channel | my nib portal or app (written request) |
| Phone option | Call 0800 123 642 to request or discuss, but portal submission finalises |
| Notice period | Minimum 30 days written notice |
| Health insurance cooling‑off | 30 days for full refund if no claims made |
| Travel insurance cooling‑off | 21 days for full refund if unused (subject to terms) |
| Refund after cooling‑off | Pro‑rata refund of unused premiums; no standard cancellation fee noted |
After cancelling
Confirmations and receipts
Keep any confirmation emails or portal screenshots showing the cancellation request and the effective end date.
Helpful links and next steps
- Access your account or submit cancellation: my nib / nib New Zealand.
- Customer support and contact details: check Nib’s official contact page on their website.
- External dispute assistance: Insurance & Financial Services Ombudsman (IFSO).
Address
Nib New Zealand head office
Nib NZ Limited, 48 Shortland Street, Auckland Central, Auckland 1010, New Zealand.
Notes about mailing
Nib requires written cancellations via the secure online portal; a physical postal address is provided for reference but is not confirmed as an accepted cancellation method.
Similar cancellation services
FAQ
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.