Best Health Insurance in Victoria Melbourne and Geelong

Great customer service with friendly staff who made sure I was totally satisfied before I hung up. Show details

Well I had a call from a compare company on saturday. So rang RT today and Ricky was very informative so have decided to stay with you. Show details

better benefits and great customer support!!! Happy to go with them Show details

Adam called back at a time that suited me and was very clear and knowledgeable Show details

I always write the same thing. I have been with QCHF since 2020 , both as a customer and as a provider. My experience with them as a customer has… Read more

always been EXCELLENT ! They have always been kind ,curteous and knowlegable . Always a pleasure to deal with ! My experience with them as a provider has been even better, ( if that is possible). Some health insurance companies deliberately try to make things difficult for both customers and providers but QCHF are the the complete opposite. They try to make everything as simple as possible. WELL DONE QCHF !!!

Lucy was very knowledgeable and very friendly She answered every question I had and helped me set up my account on your website I could not have asked for a better person to address my problems Show details

⭐⭐⭐⭐⭐ **Excellent Health Insurance – Highly Recommend Westfund!** I can't speak highly enough of Westfund Health Insurance. Their level of care,… Read more

generosity and genuine support for their members has been outstanding.

Recently, Westfund waived **$494 in out-of-pocket costs** for my same-day surgery as part of their *Giveback for Good* health package, which was such a welcome surprise and very much appreciated.

They were also fantastic when my son required knee surgery in Mackay. As he was living and working in Moranbah, he had quite a distance to travel for his operation. Westfund contributed towards both his fuel and accommodation expenses, which made a stressful situation that little bit easier.

On top of these wonderful benefits, **their membership premiums are extremely competitive**, making them excellent value for money.

It's refreshing to deal with a health fund that genuinely looks after its members rather than simply collecting premiums. We've had such positive experiences with Westfund that I have recommend them to family and friends who are looking for affordable, reliable private health insurance with real benefits.

**Thank you, Westfund, for going above and beyond!**

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.

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

Great service. I made a telephone call checking on item numbers and benifits payable. The person was friendly, helpful and knowledgable. This is typical of TUH. Show details

Sandy was extremely helpful, she took time to understand my needs and explained various options available 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

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 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

Very disappointing experience with AHM OSHC. Me and my family dependents already had a single policy in place, but adding my partner and two children… Read more

became very confusing and I was quoted around $14,000 to change to family cover. I expected clearer information and better support throughout the process. I m confused with each calls now .

I have been with Defence Health since 1974 for my family whilst i was serving, then on Discharge in 1992 myself include, we pay top Cover and over… Read more

these years my family have been looked after well, always found our results far exceeded other fuds and a profound attitude to this date.

Very terrible when asking for an assistance over the phone. Show details

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 signed up with HCF two weeks ago and specifically chose to speak with an agent to ensure everything was set up correctly and to avoid any issues or… Read more

mistakes. The agent successfully created our cover, but when I tried to register through the app using the details provided in the confirmation email, I was told that my details were incorrect.

I contacted customer service via chat and was informed that my date of birth had been entered incorrectly during the initial setup. I was advised to email a copy of my ID to have this corrected, which I did immediately. However, it has now been two weeks, and I still haven’t received any response or update!

I’ve also tried contacting the agent who signed me up, but unfortunately, I’ve had no luck getting any assistance.

This has been an incredibly frustrating experience, especially considering that this is our first time with HCF. We chose to deal directly with an agent to avoid exactly these kinds of problems, yet we’re now left unable to log in to the app at all, with no resolution in sight.

I expected a much better experience from HCF. It’s disappointing that a simple registration issue has taken two weeks to resolve, with no communication or follow-up. I hope HCF takes this matter seriously and resolves it as soon as possible.

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.

Excellent customer support – issue resolved quickly! I initially had an issue with my Medibank login and was quite frustrated. However, after… Read more

calling their customer support team, everything was resolved quickly and professionally.

I was connected to a representative straight away with no waiting time, and they were very helpful and efficient in sorting everything out.

Really happy with how the issue was handled over the phone. Thank you, Medibank, for the excellent support!

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.

Absolutely useless if you don't live in a major city. Only paid out a 20% of claim "because I didn't go with a preferred provider". When asked… Read more

what options nearby were actually 'preferred providers' I was given the names of an infusion clinic and an eye Hospital - not exactly helpful for a colonoscopy. So 15 years of coverage with NIB and the moment you actually claim you get absolutely nothing back.

Bupa has always been fantastic. Their app is great and I can put my claims through easily. However I find when I need help over the phone I cant get through to anyone and I’m hold for so long! The online chat is also very frustrating! Show details