Best Health Insurance in New South Wales Sydney, Newcastle and Wollongong

Teachers Health has been helping me since the 80s with my health and I’m very happy with them. Show details

Outstanding customer service. I dealt with Kat, she was very helpful. I spoke with her twice, she returned my phone call on time and helped me to sort my insurance cover. Thank you Show details

Spoke to Sam and he was very helpful and made everything so easy to understand. When I didn’t he re explained it all again so I would. I joined AIA straight away. Thanks Sam Show details

Lisa was kind to explain the Phoenix offering and process clearly for us. Show details

Queensland Country Health Fund is excellent value. They have a very friendly team who offer exceptional customer service! Show details

The lady I spoke to was very helpful and friendly at the same time. She was very patient in ascertaining my request and took the time to walk me through the website. At no time did I feel rushed, which was very much appreciated. Show details

I received in-hospital treatment. Hospital and Westfund took care of the details, claim approved, and as a bonus program by Westfund, no gap. What more could I ask for. Show details

When I signed up for my parents health insurance, they were happy to start taking my money, when I wanted to cancel, they did not cancel over the phone, had to send numerous email, they wanted more information, Show details

Thanks Monica! For your prompt response to get my OSHC. Show details

Every time I have rung TUH I have found the person on the ned of the phone to be friendly helpful and knowledgeable. The cover I have received has… Read more

been very reasonable compared to other insurers. I am very satisfied with my cover for recent hospital stays.

I spoke to Jen she was extremely helpful even found out there were things i have access to i didn't know. I recommend NMW to everyone i meet, in 50 years it is the best and easiest health fund we have been in. Show details

I have been with Peoplecare for around a year and can say that their service and ease of which claims can be made is second to none. Also each time… Read more

I needed to speak to someone, there was no waiting on the phone and my queries/questions were answered and clearly explained. My recent to visit to hospital was also handled efficiently and promptly with no dramas. A staff member phoned me prior to going into hospital and clearly explained the ins and outs of what I could and couldn't do with my hospital cover. So happy with Peoplecare and thoroughly recommend them.

I live in a rural area with no mobile phone coverage. Frank then decides that because I have no mobile coverage I should no longer have access to my account details online. If you abuse me I don't deal with you. Show details

Member since 1962 aged about 21. Never considered changing Your phone response/staff are wonderful - thankyou Show details

I would like to take a moment to express my sincere appreciation for Nicolas from HCF and the exceptional service he provided to me. Over the years,… Read more

I have been approached by many telemarketers offering to compare my existing health insurance with other providers. Unfortunately, I often found that these conversations felt more like sales calls than genuine conversations. I never felt that someone was truly taking the time to understand my circumstances, listen to my concerns, or explain my options in a way that made me feel comfortable.

Then I spoke with Nick. Nick was genuinely one of a kind. In my eyes, he is a true legend. From the very beginning, he was polite, patient, caring and incredibly professional. Most importantly, he made me feel heard. He took the time to explain everything clearly, answer my questions and make sure I understood my options without ever making me feel pressured.

I had been with my previous health fund since 2009 approximately 17 years, and had never changed providers. I stayed with them for so long because I honestly believed there was probably nobody out there who could offer me something better or, more importantly, provide the level of service I was looking for.

Over time, I felt that my previous health fund was no longer meeting my needs. I had reached out to them numerous times over the course of a year, but I didn't feel that my concerns were being properly addressed or that I was receiving the level of care and attention I needed as a long standing customer.

I had almost given up on the idea of changing health funds altogether. Then Nick came along. What stood out to me most was his patience and persistence. He never gave up trying to find a suitable time to speak with me. He continued to communicate with me and email me options that worked around my availability, without making me feel pressured or rushed into making a decision.

His knowledge, professionalism and genuine care ultimately won me over. I am very glad that I made the decision to join HCF. In all honesty, it felt like a weight had been lifted from my shoulders. I finally felt that someone was actually listening to me and helping me find a health insurance option that better suited my needs.

I can honestly say that I probably would never have left my previous health fund if it wasn't for Nick. That is how much of an impression he made on me. Nick is a wonderful representative of HCF. His kindness, patience, professionalism and genuine approach to helping people should be recognised and appreciated. In a world where customer service can sometimes feel rushed or impersonal, Nick reminded me how much difference one caring and dedicated person can make.

Thank you, Nick, for taking the time to listen, explain, follow up and, most importantly, care. You didn't simply help me change health funds, You restored my confidence that there are still people who genuinely care about helping others.

HCF is very fortunate to have someone like you representing the organisation.

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

I really appreciate the assistance I received from Lee Gamble. She made the experience of becoming a new member very personable and is a great representation the AHM brand. Would absolutely recommend this service. Show details

Such a pity that a once reliable health fund has descended into incompetence. Having been a previous member and forced to move health funds due to… Read more

the Healthscope private hospital debacle, we decided to return to Defence Health. What *should* have been a straight changeover (same levels of cover) turned into a nightmare, with Defence refusing to obtain a clearance certificate from the other health fund, meaning we would need to redo all waiting periods! After we had to contact the original health fund and discovered there was no request for a clearance certificate, we decided to cancel. Guess What? The next day, Defence suddenly had a clearance certificate. Despite cancelling over the phone, they then sent correspondence stating that waiting periods would be waived. Not what you need, and unnecessary stress when under a shock diagnosis and treatment. We note others have stated issues with clearance certificates. Be careful if swapping funds, as while you 'wait' for a clearance certificate, you are not technically covered.

All over you when signing up. As soon as the account is open, customer service becomes non-existent. Just like Telstra, shocking. Funny how when you… Read more

ring and chose new customer from the menu, the phone is answered immediately. Call for any other reason and it is a 30 minute wait, minimum. Chasing hard for new customers, but not interested in looking after the ones they already have.

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.

I got ripped off when they said that my wife's surgery for her TMJ (Temporomandibular joint) is not covered. I joined HCF for that for her surgery.… Read more

Im paying $190 forthnightly. When my wife we went to the dentist, we found out that it is not covered. I rang them to tell it. They said they will review it and will let me know in 3-5 days. After a week I rang them again for a follow up, still no answer. Almost one month still no call back from me, untill I decided to cancel my membership. I paid for nothing! What a waste of money. I only used it once for a massage. 11 months of paying. So dissappointing.

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

Health Fund Down twice in two weeks when providers go to process a claim. Yes, I can go each time and claim in person at my nearest location in the… Read more

city. Why not claim online? It's not user-friendly, and if you make one error, it's endless emails or letters in the mail back and forth. I suggest they inject more money into tech updates; that would improve client wellness and make a heathier stress free island.

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.

My wife and myself have been Medibank members since 1984. This means little of course as Medibank, similar to the big banks, treats everybody in the… Read more

same manner. I have been booked in for hip replacemnet surgery as part of the Medibank No-Gap policy. I had a consultation with my surgeon only last Friday and left with a range of documents, including an invoice for $830.00 which I am told is to cover his assistants costs. For reasons unknown to me the surgeon prefers to use the services of a scrub nurse. (SN) As the SN does not have a porvider number neither Medicare of Medibank will make this payment. Whilst this situation is not of Medibank's making it does bring home the fact that No-Gap does not neccesarily mean what it says. I seem to be a pawn caught up in the complex medical system that prevails in Australia. It seems that my only option is to pay the $830.00, or go back to my GP and start the process again. If I had been aware of this SN situation then I would never have elected to see this particular surgeon. The lesson seeems to be that you MUST ask all of these questions before your initial consultation. As it is I feel totally let down by the system. My hip is not in great shape and I require surgery ASAP. It looks like pay up and shut up is the only option.

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.

I’m only giving one star because I have to give something. I can’t believe that Nib have an agreement yo pay 60% back on my extras are now changing… Read more

the rules of existing long time customers that if I don’t go to one of their providers I won’t get my 60% back. That’s just rude. I have to ask my long term Physio & dentist if they are a nib preferred provider & if not I have to stop seeing them or get less back each visit. Wow. Thanks nib. I think it’s time to move on & I definitely won’t be recommending them to anyone.

⭐ 1/5 – Extremely Disappointing Experience with Bupa. Think Twice Before Choosing Them. I am extremely disappointed and frustrated with Bupa's… Read more

service. My experience has been exhausting, stressful, and completely unacceptable, especially for a paying customer who has consistently paid health insurance premiums on time since my family arrived in Australia.

I submitted a claim relating to my son's Emergency Department attendance at Mount Isa Hospital. What should have been a straightforward claims process has turned into more than a month of chasing, waiting, submitting documents, and receiving different explanations from different Bupa representatives.

I was previously advised that the process would take around 10–14 working days. However, more than 20 working days have passed, and I am still going in circles without a satisfactory outcome.

I have contacted Bupa through the messaging service in my myBupa account almost every day. Honestly, it has felt like a complete waste of time. The responses have been unhelpful, the information has been inconsistent, and I have repeatedly had to explain my situation without getting anywhere. I have also called the hotline twice and received different information again. How are customers supposed to follow the correct process when even the company's own representatives seem unable to provide consistent answers?

Last week, I received an email requesting documents. I submitted all the hospital documents available to me, only to receive further emails requesting additional information. One email asked for an official, itemised hospital account, while another requested membership details, Emergency Department notes, and information for a pre-existing condition assessment.

Why were these requirements not clearly explained from the beginning? Why must customers keep discovering new requirements after spending so much time following up and trying to cooperate?

What makes this even more frustrating is that my son's hospital attendance was genuine. One of Bupa's own team members even contacted the hospital to verify the incident. Despite this, I am still struggling to get my claim assessed.

I am also frustrated that the claim is being assessed for a possible pre-existing condition involving my son's symptoms, which included a fever. I understand that health insurance policies have waiting periods and conditions, but customers deserve clear explanations, consistent communication, and a process that does not feel like an endless obstacle course.

I pay my premiums on time. Why is it so difficult to get a clear answer when I need to use the insurance I have been paying for?

From my experience, the process feels unnecessarily complicated and makes me question whether customers are being given a fair and reasonable opportunity to complete their claims. I do not want to make assumptions about Bupa's intentions, but the way this has been handled has seriously damaged my trust in the company.

Health insurance is something families rely on when they need medical care. Customers should not have to spend almost every day messaging, making phone calls, repeating the same information, and dealing with conflicting instructions just to understand what is happening with a claim.

The lack of clear communication and the constant requests for additional documents have left me feeling exhausted, ignored, and completely disappointed.

Because of this experience, I have decided to transfer to another health insurance provider. I no longer feel confident continuing with Bupa when this is how my family and I have been treated during the claims process.

I am sharing this review to make other people aware of my experience. If you are considering Bupa for your family's health insurance, I encourage you to research the claims process, understand the waiting periods and documentation requirements, and consider other providers before making your decision.

For me, this experience has been a complete disappointment. I expected a reasonable level of customer service and clear communication, but that is not what I experienced.

My rating: 1/5. I would give 0/10 for my experience with the claims process if that were an option.

I hope other customers have a better experience than I did, but I cannot recommend Bupa based on my personal experience.