Best Health Insurance in Western Australia Perth

We have had a very positive experience with Roger who was very helpful and who did his very best when we decided to leave Teachers Health for another Health Fund. We wish Roger every success. Show details

Anna was great! She took the time to explain things clearly to me, and now I am covered, for which I am very thankful. Show details

Joy provided the information in a professional and concise manner and made the whole process straightforward and seamless. I highly recommend. Show details

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

Queensland Country Health is a brilliant private health insurance provider. I have been with them since 2009 and their responsiveness, efficiency and claims process has always been exceptional. Show details

Lucy has been helpful providing all the information I need for the upcoming dental surgery on what’s covered and how much out of pocket I need to… Read more

plan for per line items. This take of the stress and help me understand what budget I need to prepare. I recommend see-u by HBF and I have been with them for more than 5 years.

I have been a member of Westfund Health Fund for a few years and I have always found them so easy to contact by phone, answered by an english… Read more

speaking person and no extensive waiting time. Lodging a claim online is a breeze and their service is great. Recently I received an email from them informing me they were waiving the $500 excess for same day surgery up until 31st December 2026. I was booked for day surgery within the following week, so I was delighted not to have to pay the excess. Westfund, a not-for-profit Fund, is conducting a Giveback for Good Health package during 2026 which includes a variety of more back on everyday health. I just want to spread the cheer.

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

We’ve been really happy with TUH as a family of five. Whenever I’ve called with questions about our health cover, the staff have always been so… Read more

friendly, helpful and easy to talk to. They’ve never made me feel rushed and have always taken the time to explain things properly.

Our cover works really well for our family and gives us peace of mind knowing we’re covered for the things we need. It’s nice to deal with a health fund where the people are genuinely helpful and friendly. We’ve had a really positive experience with TUH and would definitely recommend them to other families.

I contacted the NM Health Fund as I wished to lower my Health Care costs. I spoke with a representative Sandy in Sydney. She was extremely helpful… Read more

and informative giving me several options and advice in alternatives. I can highly recommend this company to anyone wanting professional advice. I wasn't aware at the time but after I decided to join from NIB, they informed me that they would transfer my cover form NIB if they wished. I duly accepted their offer.

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.

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

Today 10 September, Jordan resolved my issue immediately with proactive actions. His thoroughness in analysing the situation and fixed the issue had… Read more

earned the recognition of an excellent performer!

His "follow up" attitude and patience also are his strengths in servicing his clients!

the actual people I dealth with were wonderful, as always, I had paid an ambulance bill and they gave me email to send the paid receipt to get my… Read more

refund but I get another email to say I need to fill out this form ....okay I will.... but its on my credit card, with fees accruing ... so hoping this will be attended to asap.

Once again we are telling Australia just how good HBF WA is, efficient, friendly super professional and able to resolve our enquiry within minutes, 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.

Don’t believe their ad saying they give more back to their customers THEY DON’T. HCF gave me $700 in extras which included dental cleaning. BUPA for… Read more

$8 a month more give me $650 minor dental ( not including dental cleaning ) and $650 MAJOR dental plus all the other stuff like optical. I recommend BUPA over HCF

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.

Ironically it will be more pleasurable to pull your teeth out one by one than to get through to Medibank phone service. The auto answering robot… Read more

woman does not understand a word. She goes into a loop where she asks a question but dont give time to respond and immediately tell you to use different words. That instruction worked perfectly because I started to use a lot of very different words. Best get loaded up on blood pressure meds before starting a call.

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.

Dodgy health insurance in Australia. If I can give 0 rating than would give 0. Very disappointed with my experience with nib. I took out private… Read more

health insurance specifically for tax purposes and paid for the policy for a full year. Before taking out the policy, I clearly communicated that I have Medicare and explained that my intention was to have the appropriate private health insurance cover for tax purposes.

After paying for the policy for a year, I was then told that my account/policy was not considered suitable for the tax purpose I had clearly discussed when joining.

I feel extremely frustrated because this could have been avoided if my circumstances and requirements had been properly explained and confirmed at the beginning. I paid for the policy based on the information and understanding I was given.

I expected much clearer communication and better customer service from nib. I would strongly recommend that customers carefully confirm in writing exactly what their policy covers and whether it meets their specific tax requirements before making payments.

Claim incorrectly rejected. They acknowledged the error. Several calls and months later partial refund received. Still waiting for the balance. Unacceptable customer service. Avoid Show details