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

Jen was professional yet friendly with my enquiry. Her product knowledge was exceptional, hence my enquiry was dealt with quickly. Thank you Jen Show details

Katalina served me and was absolutely awesome. Her knowledge, overall customer service and humour made what would normally be a mundane experience… Read more

(sorting out health insurance) pleasant and entertaining. I felt like I was dealing with a friend or family member. What ever she’s making - she’s underpaid! Thanks Kat.

Very very poor. They are good until they have you as a customer, then they are very poor. For the first few years, any claim you make they will try… Read more

to re-frame as a pre existing condition.

They force you to do everything via the app, but the app does not work all the time. So you cannot always make claims.

Overall, this company is an absolutely disgrace and best avoided.

I was able to personally, have my refund processed expeditiously Show details

I have been with Phoenix Health Fund for about 4 years. It is expensive but when you have cover, they are very reliable and low stress. It took me a… Read more

while to understand it but on balance, I am very glad I have this cover. I never have any problems with my health insurance and it is very set and forget.

Excellent customer service. Thank you Lucy for giving great advice and providing the best cover for my current stage in life. A++ Show details

Comprehensive coverage for our individual needs. Staff always courteous, friendly, helpful. Good range of hospitals and medical doctors / specialists who are recognised providers associated with Westfund, through their "Providers of Choice". Show details

The worst you can get in Australia. My wife spent a year on it and was cursing my decision each time I had to claim anything. There is no clinic in… Read more

Australia that knows this health insurance, which means every time you have to upload your receipts online with proof to claim anything.

Unprofessional people with no hour to their own commitments. Whenever I have reached them out for any reason, from all 2 years, they are experiencing… Read more

higher volumes of queries and claims than usual which eventually means it is their standard unprofessional practice.

I’ve been with Peoplecare for over 10 years and find them fabulous to deal with. They are easy to contact and the person who answers the phone always… Read more

solves the problem and/or answers the question. Claiming is incredibly easy and payment quick and seamless. Very pleased to be a member.

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

I was lucky enough to have Ann L contact me after looking at changing our cover to another provider. I could not have asked for a better person to… Read more

help me understand all the ins and outs of what we had available as more suitable options. Ann was one of the main factors that we are still with TUH and if you have the opportunity to discuss your cover options with her please make sure you make the time, it will be well worth it. Ann restored my faith in customer service and I will always be grateful that I took the time to listen and understand our options. Thank you again Ann.

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

They are really great and able to get help when you need it. We aren’t particularly well off and they have some really affordable plans and their hospital cover has been a lifesaver. We have been with them for about 8 years now and highly recommend. Show details

I recently used my defence health insurance to access physiotherapy, and was pleased with the amount of return I received from my fund. It made me more inclined to access preventative therapy in the future, to continue in good health. Show details

Disappointed. As a new member who signed up during promo period I've found out it won't be honoured as I went through a comparison site. Also noted… Read more

that adult children on my policy are unable manage their own claims etc which I would have thought would be a given on this day and age. Simple claims can take 2 weeks which also doesn't compare well with other insurers. We are not off to a good start!

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 $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.

Hopefully this is an informative review about coverage with Medibank Private (MP). No complaints about the doctor, hospital or anaesthetist. I am… Read more

60yo (been with MP for 35 years) and had a necessary major operation in a good private hospital in Melbourne. I received a letter of consent from the anaesthetist on 28 July and my operation was on 3 August. It was too late to enquire about the estimated fees and it does not matter anyway because the surgeon chooses the anaesthetist. I paid the fee of $2,500 before the operation and had already absorbed the $500 gap through my premiums. I just received my Medibank Private statement and received a $178 rebate from MP for the anaesthetist. I will receive a few hundred dollars as rebate from Medicare. High skilled anaesthetists at good hospitals do not 'opt in' to the private healthcare scheme because they are not able to charge the fee that they are (frankly) entitled to. The private healthcare scheme has not kept up with the cost of doing business and is a disgrace. Put simply, I was $1,900 out of pocket for the anaesthetist, an expense that was not budgeted for. Just have to keep working to pay the bills.

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.

Awful customer service. They know how to piss you off. My feeling is that they just want you to get disappointed and leave the chat/call to not serve… Read more

you and just charge you for nothing,. And they have a [Content Removed] verification system that ask you questions for verification that you need to go and find the answers in your bupa account. instead of just send a verification code to your number. just wasting your time. I'm gonna go in person and cancel my ....ing insurance. .... them.

Update: They don't even let you cancel your policy until you give them what they want: