I'm unhappy with Medibank and I'm considering NIB for some reason.
I was with Medibank for over 10 years. It's more expensive than others, felt the same, value for money, don't use it that much, more for emergencies or unforseen problems and went to NIB. First time in 10 years I recived a call from Medibank. Gave them a piece of my mind, that if I was such a valued and longterm customer why hadn't they offered me a better deal while I was still a customer rather than trying to woo me back.
Now NIB. Range of no gap dentists is much more restricted, 2 for 1 glasses at spec asvers and pretty much everywhere doesn't apply. It's cheaper for a reason and therfor you pay gap. You can move your $$$ around between the different extra covers though which is cool.
In hindsight I did like the conveinience of going pretty much anywhere with Medibank and just handing over my card.