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

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

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.