Best Health Insurance in Australian Capital Territory Canberra–Queanbeyan

Jamie was absolutely fantastic in helping me update my level of cover. The customer service Jamie provided was exceptional! Show details

Zac was very kind understanding and most helpful very good service a credit to your organisation thank you Show details

Amith was able to provide us with some good recommendations to save us money but also retain the level of cover we need moving forward. Show details

Queensland Based Private Health Fund: can't fault it. No waiting queue's on the phone. All questions answered quickly. Its handy to be able to… Read more

lodge claims both online and instore. Policy is good value and staff are happy to compare funds with you to ensure you get value for money. Recommend them.

I have been a member of Phoenix Health Fund for three years, and they are the best! They always answer the phone very quickly, and the staff are… Read more

always patient, helpful and professional.

Recently, my company started offering additional health cover to employees, so I needed to move my Extras cover from my current Phoenix policy to the company policy while keeping my Hospital cover with Phoenix. There was a little miscommunication between my company and Phoenix during the process, but Jan C. was extremely helpful. She helped me sort everything out and patiently answered all of my questions.

I always recommend Phoenix Health Fund to my friends and family. Their products are designed to suit customers' needs, their prices are reasonable, and most importantly, their customer service is excellent.

Thank you, Jan C. and the Phoenix team!

Lucy is lovely, very knowledgeable and very helpful. Lucy helped me alter my policy to better suit my circumstances and to save money. Just terrific, thank you. Show details

Three visits to 3 different westfund offices in 2 states for different needs has shown us that there is a culture problem with their staff. The eyes… Read more

down , dont look at you , ignore you welcome ??? not suited to customer service in that case. Making the customer chase you around , sullen gen z too lazy and rude to senior staff. Mackay QLD and Orange NSW in particular need improvements, the shining light was Ray in Orange an experienced professional , friendly and welcoming and great service with great knowledge, an asset to the company but the rest of his team let him down. The separation of the "eye " staff to the rest of the team is a disconnnect for the customer its not working.

good until there not.. I've been. With Australian unity since 2009. In that time, I've always had my non PBS GP prescribed Medication covered under… Read more

my pharmacy On my extras. There was a few occasions where they didn't cover my pharmacy once I submitted my receipt. But I spoke to a supervisor and they back paid me for the Times, they did not pay me. They assured me that moving forward my pharmacy would still be covered as my medication is not on the PBS. Well, you can imagine my surprise when they stopped covering my pharmacy again. I was put in touch with someone from a different department and he said to me m y medication Is not covered because it's not FDA approved. I questioned how it's not FDA approved If a GP Is prescribing it. He said to me that my life saving Prescribed medication is nothing more Then supplements. I said to him they're not supplements, they're GP prescribed Through a compounding pharmacy. If they were supplements, I would be able to order them over the counter or online. I asked to speak to a supervisor and explain to him that I was assured my medication would be covered. He said to me there's no one higher than me. I'm the last stop. And we're not covering your medication moving forward.

My medication costs a few dollars every five weeks and whilst some small amount Is a great help I have to budget as cost of living you can imagine is quite expensive. So that additional amount that they're not covering now? Has put a strain on my finances. And I have had to reduce my medication dosage and in result have not been feeling great because I haven't been able to afford the medication.

To the person who denied my medication may you get the same karma back for a family member. Australian Unity. You can kick rocks.

No doubt I will have a generic templated response."" Let's talk about it Please touch base""". I've done all that Australian unity. I've touched base. I was refused to speak to a supervisor because The person that denied my medication apparently is The top tier person higher than the CEO higher than any supervisor in the company, and apparently there was no one else to talk to. So yes, you can kick rocks. Both the company and your templated response.

They have been a nightmare for my sister in law. She lodge a claim for gp visit they rejected it saying she is on wrong visa and said that she can… Read more

cancel the insurance and apply for refund- wgich she did on 22 July. Later after a week when called they said it will be actioned by Friday the 7 August. We CALLED again on 12 August saying why no refund - another lady said she will esclate this and get it actioned in 1 day. We called again today and another rude lady said "I am sorry" about what my colleague said but refund team are busy and there is no eta for this. We GOT NO EMAIL FROM REFUND team saying there has been delays. We ASKED FOR SUPERVISOR AND THEY SAID THEY WILL ARRANGE A CALL BACK. They are just wasting her time.

I joined peoplecare 1 year ago and needing to have a hospital operation made my first claim. This has been rejected with the reason being I hadn’t… Read more

given them my account details. I received an email saying they had tried to contact me and has they had been unsuccessful they had rejected my claim. They can send me an email to reject my claim however I have not received any emails asking me to submit my account details. I also have no phone messages so I’m not sure what their unsuccessful attempts to contact me are. Not great peoplecare.

Awesome service from N & M health. Also clear and understandable information provided by Roger N Show details

Ann Lockwood was very helpful, ensuring that I received the extras I wanted,with the greatest value and service Show details

Signed up for Frank as they had a promotion. Advertising a waiver on the waiting period of 2 month and 6 month extras. Submitted a claim and they… Read more

rejected it based on waiting period. Been on the phone for over 30 minutes and they’re telling me I’m wrong, even though I have a screenshot of the promotion. Stay away! I will be reporting them to the relevant consumer protection bodies

Absolute nonsense! As if I know what a clearance certificate is? Went to these guys through one of those compare services and the entire family was… Read more

put on 12 months wait. Now my wife and I can claim but not the kids. Looking to cancel now, you know what? Freedom to just do what we like when we like feels pretty fun. No more trying to wring value out of $1000/year. Bye bye!

I was very happy with the service I received. Matt was very patient and answered all my questions regarding health insurance in a lot of detail. The whole process was very easy. Many thanks! Show details

I was in Police Health back in the 1990's but a marriage change and I was in BUPA for 20 years but now have rejoined and I'm extremely happy with their policy and service and very happy to be back. Show details

App is good that's about it if you leave them it takes 14 working days to process you could be paying elsewhere as well and you may end up getting a… Read more

cheque premium refund not a direct debit so be aware great to join hard to leave (another fund you can't cancel online so you may need lengthy calls with their retention team to cancel)

You keep telling me about a member portal. I am 75 years old and would like the option to be informed on paper as this is how I have lived my life. I find the digital age confusing anf frightening. Show details

Worst ever experience very frustrating having to spend several long wait times on the phone to then get told things will be sorted and have an… Read more

essential procedure which has to be postponed due to their lack of care and false promises AVOID these muppets who just don’t care!!

This company is a disgrace. I have been a member now for many years and I am paying nearly $10,000 a year in premiums. I rarely make claims but… Read more

recently I had a hospital admission and submitted my claims soon after. These people give me the runaround constantly. They blame Medicare, Medicare blames them and then they both blame the provider and the only person that suffers me. I’ve spent over two hours on the phone with them in the past week and each time someone has given me a different answer or reason to why my claim is being held up. They make dreadful errors at my expense and when you email them to try to find out what’s going on, they either ignore you or respond with a single line and you are no better informed than you were previously. I will be getting out of this health fund as soon as I possibly can. Please think very carefully before joining them because if you need to make a claim, they will not pay it and they will make mistake after mistake and you will be chasing your tail for months on end until you finally give up because they wear you down. I outlaid $36,900 for a procedure and so far I have received $900 back. I pay top hospital cover. That is an absolute disgrace.

We have been with HCF over 2 months now. I just got a $513 dental bill, HCF only covered $186. I was $327 out of pocket. Pretty bad as we pay a premium of $528 a month. Changed funds !! Show details

You can tailor your health insurance to what suits you and your family. Consultants are knowledgeable and helpful. Prices are better than other providers. Show details

To What if ….. I appreciate Hif as a health fund but I am over companies who don’t notify you when they are changing their systems : after failing… Read more

to be able to use my card and paying in full , I have had two 30+ minute phone calls about not being able to update my app info and having to use a downloaded claim form that I submitted only to have to call again - as I was asked what I wanted to happen next …. Only to learn that my claim Had not landed despite getting the automated response … hoping a more direct. Email provided will help … going to Physio again ( great by the way) . Tomorrow … what would happen if I did not have funds to pay?? When I have just paid a years “ enrolment “ !! ….

- review of above : great response from consumer help but still unable to get app up and running after another hour on the phone and no capacity to know when sorted but card worked at Physio - But warning: no matter what they say initially if you have to receive a code on your phone finally as can’t use your phone to register you need TWO devices for task completion. However they say they’ll send me $100 gift card but it won’t get back practice I missed and cannot make up! And I’d prefer the latter! This kind of issue is going on at Telstras new security version. . Not the fault of the person I spoke to At Hif who halve to answer the call . They were always trying to help …

Great service and easy to use insurance – Pretty happy with HCI. Easy to use app and always been easy to get through to them over the phone. Great service and they go out of their way to help you. Show details

This non-profit health insurer offers generous cover, but has some notable drawbacks. Their fixation on Tasmanian wellness centres is irrelevant to… Read more

mainland customers. Seems to be for Tasmanian who are not fund members. Backend systems are slow and unreliable, with occasional outages. The UX is inconsistent and feels unpolished. Expect more call centre contact than you'd get with comparable providers, and tansaction processing times of 3–5 days that feel like a throwback to the era of batch processing. The app is third-party.

I have been a customer for over 12 years, I was on an old Gold Cover Policy, I called today, spoke with Kerry and she was absolutely fantastic. Great… Read more

Customer Service skills, very nice, helpful and professional. She found a cheaper Policy that fits my age & needs perfectly and save me $ 30 fortnightly. I was happy she provided me with the support I required and avoided me from moving to a different insurance company, she even offered to do a follow up with me in a week. I am delighted to have Kerry on the phone when I made the call, I definitely give Kerry a 5 stars.

The online Medibank Private service is not a service to customers. My husband and I waited, filled in odd information and then had to revisit site… Read more

again. All just to add a new phone number so we could log in on line. The site is user unfriendly, real people on line say too many others waiting, not enough service, Very poor.

I was recently diagnosed as pre-diabetic and high cholesterol and my doctor put me on a preventative drug regimen to try to address it before it… Read more

became a health issue. Navy health refused my claims even though I had not claimed any of my pharmaceutical benefit previously. Not only that they refused to respond to me personally even though both my husband and I are ex-navy and listed on the policy. Don’t bother with them you can get better service and more flexible premiums elsewhere.

Hm, recently got update email that the dental refund will change in Oct2026 if not using their cluster of dentists which are only 2500 Australia… Read more

wide. I had dodgy dentists before and am now in good hands. I want you NIB to still do the whole refund for a dental work code, no matter which dentist. It's far below the actual cost anyway.

Also the surprise that a covered private hospital was NOT including their lab work, was very unexpected additional cost. (Canberra Calvary Bruce hospital 2025) Lab work is usual during surgery pre and post. You cannot say when I check if NIB includes this hospital "yes", when the lab work is excluded which puts me another 720aud out of pocket ..

At least many hospitals are in the NIB network, and had no other surprises, but please state clearly if lab is not covered, as I would refuse daily lab parameters like full blood count when it is not life threatening necessary and no events.

Otherwise cover and claims were easy to process with NIB.

But am looking at other providers due to the lab out of pocket in covered hospital and dental refund changes.

Cancelling a policy was a NIGHTMARE! I wanted to cancel my parents’ OVHC policy after they left the country, and what should have been a simple… Read more

process turned into an absolute nightmare. The messaging and WhatsApp support agents seemed extremely inexperienced. I had to deal with six different people, and every time I made the changes they requested to the Authority Form, I was told something else was missing or needed to be amended. It became an endless back-and-forth.

Signing up was easy enough, but cancelling the policy has been incredibly difficult. My parents left the country over a month ago, yet I’m still being charged for services they are no longer using.

After this experience, I would strongly recommend staying away from Bupa. I’m now seriously reconsidering our own health insurance and will be cancelling our current Bupa policy as well.

What should have been a straightforward cancellation has been unnecessarily stressful, frustrating, and time-consuming.