Best Health Insurance in Victoria Melbourne and Geelong

Samina help was reponsible for me reversing decision to move to another provider Show details

All good questions were explained, and answered to my satisfaction Show details

I am on hold now for 90 minutes on their general enquiry number. Show details

Staff are always friendly and courteous. Always providing succinct information and readily understood to any query. Show details

Kristi was extremely helpful and made sure everything was clear to us in relation to the chosen cover. Show details

Amazing customer service and the best price out there for services offered! I felt so understood by the friendly company rep I spoke to. She really… Read more

listened to my concerns and helped me to understand my options. It was a very satisfying and easy experience. Would reccomend.

My family and I have used Westfund Health Insurance for about 24 years. We enrolled with them due to their value for money and company values.… Read more

Although they have grown in membership they have only improved. Their customer service has always been friendly, compassionate and caring. Out adult daughter is now on her own policy but was able to stay on our policy until the age of 25 years. My Father has also been with Westfund for over 15 years and my sister and her family recently enrolled. I continue to promote Westfund to friends and colleagues as it is rare to find good long term customer service these days.

Highly recommended… if you enjoy jumping through hoops and dealing with headaches when making a claim. I initially submitted my claims in July last… Read more

year, including invoices with all the correct information - my details, provider details, item numbers, service dates, and proof that I had already paid the full amount upfront. A few weeks later, I received an email asking for details I had already provided. Due to time constraints, I wasn’t able to follow it up immediately.

In February this year, I resubmitted the claims. After a lot of back and forth, the claims were finally approved. However, despite the approval, I never received any benefit payment at all. Only later did I discover that the payment had been made directly to the providers instead of reimbursing me, even though I had already paid the full amount upfront. As a result, I am still out of pocket and have not received a single dollar from my approved claims.

When I asked them to resolve the issue, especially if they wanted to retain me as a customer, there was very little effort to assist. Instead, I was told to contact the providers myself to arrange refunds, leading to even more unnecessary back and forth.

I am extremely disappointed with this experience. My claims were approved, yet I never received the payment I was entitled to, and resolving the issue has been unnecessarily difficult and frustrating.

I have been a customer with them for my parents OVHC and my house insurance since 2018, they recently lapsed my parents OVHC and refused to re… Read more

instate the policy stating the policy had an end date, you cannot buy the policy without the end date my parents only visited for 3months and I let the cover continue to be eligible for pre existing conditions meeting the wait period, someone called Carol answered the phone was extremely rude and would not allow me to talk to TL to explain my side of the story she kept talking over me and told me go lodge a complaint with ombudsman and also laughter back at me mocking me , no empathy no shame over flawed product which you cannot buy without end date and you should remember to renew no notice / reminder and no courtesy, but the want to take the money as long as they can ? Policy 6586355

My wife and I have been with Peoplecare for many years now, and have always found them helpful in answering our many queries. They have been very… Read more

responsive and, if they didn't know the answer, they generally followed up quickly. With the ongoing rise in medical insurance, I have been reviewing value for money, especially with the competition that exists in the marketplace. One thing that happened a year or so ago was that they gave members a rebate as they had a profitable year. That has never happened in any fund I've been involved in before. Overall, we are very happy with Peoplecare.

Have been on the phone queue for more than 30 minutes each time with no response from Frank Insurance customer service rep. Seriously suspect Frank… Read more

Insurance is not a legitimate private health insurance company. This is by far the most terrible insurance company, imagine customers trying to contact them in the event of an emergency. There is no one on the end of the line!

Do not touch gmhba . I have hours apon hours to try and get hold of the. To no avail . They have turned off the message app . And the complaints… Read more

department is the same department that you can't get hold of anyone !

I have been with them for many years and will now find someone that can answer a phone .

Kylie

Prompt and efficient service when I requested a review of my plan by Sean F today, thank you. Show details

I’ve been with TUH since the late 70s. I have always found them good value and having health insurance with them provides peace of mind Show details

Fantastic Health Service Provider – We have been with Police Health since 1972. They have always provided a fantastic service. We get great rebates and we have never been disappointed. Show details

I called Shannon after my friend told me about her happy experience. I had been with the same health fund for nearly 40 years, knew what we were… Read more

paying was ridiculous but never considered looking elsewhere. What an awesome service! Shannon is brilliant. I didn’t know services like his existed. Within an hour we had signed up to a new fund provider/ policy which is more appropriate to our needs and will save us a considerable amount of money. Shannon was friendly, professional and has an abundance of health fund knowledge. Definitely recommend!!!

I was on the phone from 2.30 till 5 waiting for someone to answer my call.. I eventually hung up. I can see where my $90 a fortnight is going… Read more

certainly not into customer care I will keep sending in reviews AHM untill you lift your game. wouldnt it be interesting if I kept you waiting for that length of time see how you like it

The two HBF employees were extremely courteous and helpful and were able to clearly explain all our options before selective the level of cover to suit our needs. Show details

I have been with Defence Health for more than 30 years. Happy with their services and the value for money. I will definitely continue with them. They follow through any issues raised and resolve them to members satisfaction. Show details

Completley hopeless and confused administration, zero customer service. I changed over from another health fund.They mucked up the transfer, the… Read more

amount, my childrens account. Spent 2 hrs so far on the phone, being told sales doesnt liase with accounts.Accounts say its sales fault. Emails sent, when replied to no answer.Different person each time totally unaware of previuos issues.Finally got onto some one senior, said all fixed- but next time I tried to use the fund, despite being paid up, told I have to get receipt , claim online and maybe I'll get paid.This allegedly has been rectifed, and I was given week ( should be 3-6 months!) credit as compensation for my hours on the phone and frustraion. As a professional dealing with afund set up for professionals, I expect to be dealing with highly competent , efficient people.This " doctors fund'' has got to be the most ammateur,confused and unprofessional fund I've ever had to deal with.

Signed up to HCF then found a better health policy. Tried to cancel within the cooling off period subsequently rang them up to do so. After 15 minute… Read more

wait spoke to a representative for another five minutes and was grilled as to why I wanted to cancel. Then told I had to speak to someone else in another department. Went through the whole story again and was told that HCF had alternate options. I said I had done the research and the alternate fund was better for me. He wouldn’t listen and kept babbling on. After another 10 minutes I finally hung up. After that I received a message stating that as we had not gone through the whole procedure my membership would remain unchanged and that I would need to go through the whole procedure again. Is this how HCF do business, appalling customer service. I was on the phone for over 30 minutes with no result.

Great fund but average dental coverage – I have been with this fund for many years. Customer service is always great, they are timely in providing ATO documents, and the fund supports trade… Read more

unionism in Australia. The only downside is that they don’t pay enough for dental expenses. Even with l extras cover with full coverage, they only cover a fraction of the dental fees. I am still paying the bulk of the dentist’s fees as out-of-pocket expenses. I wouldn’t mind paying higher premiums if it meant better dental coverage.

Even for a podiatrist visit, the fund only pays $40, while the total fee is between $100 and $140. The insurance really just takes the edge off these medical bills instead of covering the majority of them.

I was a long-standing HIF member (18 years!) and, until this experience, had no major issues. Unfortunately, how this situation was handled has… Read more

completely undermined my trust in the fund.

After relocating back to Western Australia, I was charged higher interstate premiums for over two years. HIF has acknowledged that I may not reasonably have known that a change of state would impact my premiums, and they have acknowledged that an overpayment occurred. Despite this, they refused to refund the full amount, relying instead on internal process rather than what is fair and reasonable for the customer.

All of my claims during that two-year period were made in Western Australia, and I provided clear evidence of my relocation as soon as the issue was identified. Even so, HIF chose to retain part of the overpaid premiums as a “goodwill gesture” rather than fully correcting the error. I was also incorrectly charged again after written assurances were provided, which further added to the frustration.

After multiple escalations — and a discussion with a senior representative — HIF confirmed they would not reconsider the decision. As a result, I have no option but to leave the fund and need to look elsewhere. My preference was to stay.

This experience has shown me that HIF prioritises rigid process over fairness and customer outcomes. So disappointing.

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

Highly Recommended to anyone requiring Medical Cannabis I just switched my extra from Bupa and have had an amazing experience so far with claims… Read more

being paid really fast with no issues so far. One of the only health funds to provide cover for medical cannabis. I really appreciate St Luke's staff covering something so important to me especially it helping me have a better quality of life with suffering Chronic Pain and other issues. If you don't change your policy i will keep my cover with you. Had one issue with the first payment for the premiums but it was fixed quickly with one phone call.

After 17 years of my family being with Medibank and paying nearly $500 per month, I used their free health check up with a nurse. After two failed… Read more

scheduled date/times I eventually had to call them and complain before I got put through to a nurse. When I did speak to a nurse it was not a 20min health check up but a generic survey to obtain general information I assume they can then use internally in an attempt to provide a better service. I will now be spending the weekend looking at alternative health insurance providers. Very disappointed.

We were members of La Trobe Health for over 20 years and had one of their Family Gold Top Hospital cover policies. When we attempted to review the… Read more

policy some 12-16 months ago to see whether it was still fit for purpose we were advised by La Trobe customer service that the policy we had was: * no longer available, * better than available covers and worth keeping. No mention was made of the fact that our policy would make us liable to the Medicare surcharge. We followed the advice received and kept our Gold Top Hospital Cover. This year, we received a letter from the ATO stating that we did not hold an appropriate level of private patient hospital cover and that therefore we were liable to pay $2,036 Medicare surcharge. When contacted La Trobe about this and received no satisfactory response regarding their failure to advise that the policy they suggested we keep would result in us having to pay the Medicare surcharge. This incompetence has caused us to have to pay in excess of $4,000 that we would not have had to pay had the proper advice been received from La Trobe if we had been given the information to allow us to choose the appropriate cover. We have now cancelled our policy and moved to another insurer that provided us with the comprehensive information required for us to make an informed decision. Conclusion: do not rely on the customer service received from La Trobe as you run the risk of getting incomplete, inadequate and defective advice likely to be costly. Best to move elsewhere.

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've had massive problems since moving to NIB for extras. Issues with waiting periods, a horrible user experience with the waiting periods and the… Read more

coverage and a poor live chat experience. Switching to NIB for extras has been a disaster and huge regret for me

BUPA is not worth even one star,...May be minus stars... The worst customer service in the world. I have been a member with them for over 5 years and I cannot get to them via website, via app, via Phone,....uncontactible,...fking sick of them Show details