We've been with NIB for over 10 years. The two banks that my DH has worked for both offer corporate-rate PHI through NIB. Never had any problems with them. Their over-the-phone service is 10/10. Not the cheapest but we won't be changing. NIB has a new dental/optical centre on Collins Street (Melbourne CBD) where if you are a member you can go with no out-of-pocket expense.