Best Health Insurance in Western Australia Perth

Samina was excellent in helping us discern the advantages to staying with Teachers’ Health. The process of readjusting our cover was easy and stress free! Show details

Thank you Clare for the time you spent with me this morning re Thank you Welcome. You were patient with me and explained the RTHealth policy and… Read more

advised me to download the App which I have done. If I have further questions I will not hesitate to call you and have a friendly Chat. Kind Regards Tina Millard.

Amith, made it very easy to compare my current medical benefits with the AIA options. It was a no brainer saving close $250 per month and getting… Read more

benefits that suited my actual lifestyle as opposed to wasted cover. AIA's Vitality Program, promoting health and wellness is a great benefit as well. Switching funds was much easier than I realised and I wish I did this earlier. Thanks, Amith and AIA.

More help should given to people who have to visit specialists no reimbursement unless you are admitted to hospital. I would imagine a large number of your clients are pensioners etc, and have been with you for many years. Show details

Sanjana was amazing. Informative, friendly and very Helpful. The policy itself is much better than our current - more benefits for a better price. Show details

Lavina and Alvin were extremely helpful at answering all of questions. They were not pushy and l felt they really listened to my concerns and helped… Read more

me understand the policy questions l had fully. I did not change policies at this point but would certainly consider it in the future when my circumstances change.

Very friendly, helpful service. Good value. A great range of services. Show details

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

Terrible service with extremely poor communication lines. I had to cancel my cover because they will do anything to weasel their way out of paying… Read more

for anything. They have the audacity to respond to their failures with the line "We care about you and your family" after refusing paying. Highly recommend going to another provider. May be more expensive but you know you will get what you pay for in terms of services and cover. The security just isn't there for this one.

Frank used to be good. Great price, good customer service. For the last year, the service has been complete rubbish. It took my wife 48 min the other… Read more

day to call them, as the web chat was closed due to high demand. This is ridiculous! Don't they know they need more CS people as they get more customers? I'm looking forward to changing health insurance providers

Sandy was very Informative, answered my questions well. Not pushy at all. Great experience signing up. Show details

My membership of TUH goes back to when I joined Qld Teachers Union Health Society in the late 1970’s and continued to the present day as QTUHS… Read more

transitioned to the current national body. TUH always gives good coverage of a range of medical products and payment of claims is always within the quoted three business days and amounts are generally more favourable than other funds. Quite frequently reception staff of medical providers comment to me that TUH does give the best value. The dental clinic at the Brisbane TUH Health Hub is a unique and outstanding asset of TUH.

Switched to GMHBA after advice from a comparison service that I have used before.After about 6 weeks I recived an email advising that my prmium was… Read more

going up a lot because they hadnt received a clearance letter. After many phone calls Compare the market advised me that thet had sent everything to GMHBA to arrange the letter. So I had been paying premiums to 2 health funds while this was going on. GMHBA refused to refund my premium as I had made a claim for $20. They got nearly $500 out of me for nothing. I was supposed to get a call from their complaints officer but nothing and its 2 weeks later. Too busy making money. Shame on you GMHBA.

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 had a phone call with 'It's my Health' on 25th March 2026 to switch health insurance providers. I found it a terrible experience - mainly because… Read more

they switched my health insurance, and continually reassured me that I would be (A) refunded by my previous health insurer; and (B) would stop paying the existing health insurance. Neither of these two happened. I continued to be charged by my pre-existing health insurance. I ended up paying twice for two different insurers, meaning I am out of pocket $224. I had to call the health insurance and cancel myself- "It's my health" had not done this. I still have not received any refund that "It's my Health" promised. I will never use them again. It was a huge waste of money - I should have stayed with my pre-existing health insurance because I can never regain the $224. I made a complaint to them but it was useless. I am going to make a complaint to Consumer Affairs due to their false advertising of refunds.

I switched to AHM through compare club. They assured me it would be a great fit for my family after going through a range of questions. It all… Read more

sounded great, it had no limit for general dental and had a good limit ($1000) for periodontal like our family needed. In reality though it pays almost nothing towards each visit aside from dental check ups and glasses. My daughter had a cap put on her tooth today and it paid a whole %16 of the bill. My husband went to the periodontist last week and it was also such a low percentage of the bill paid. Our previous cover with nib had been percentage based that we got 70% of the bills back for extras. The only reason I changed was that I ‘upgraded’ our extras and it rolled over to a new policy that removed our no limit for preventative dental without informing me…

Overall I’m kinda sick of health insurance - if I put away the ridiculous amount I spend on this every week I could easy pay 100% of these bills…

I spent 12 1/2 minutes on the phone to HBF for no answer. I then sent them an email 2 days ago and they have not replied. Conclusion is : they take a… Read more

very large premium each month and reward you with PATHETIC (i.e nil) CUSTOMER SERVICE. And the kicker is : - THEY OBVIOUSLY DONT CARE ! I also note a number of HBF replies to negative reviews which ask the customer to "give us a call on 133423". As stated I did that and they did not answer after 12 1/2 minutes. Who is getting paid big dollars to manage this ?

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.

After moving from Bupa to HCF to save money, its been nothing but an ongoing nightmare. They didnt do the clearance certificate properly, completely… Read more

leaving off our kids. 1 kid is going in for surgery and they have done everything in their power to make things difficult. They even had his DOB incorrect even after we had to quote it multiple times to clarify who he was on the phone, when battling the ongoing issues. Once this surgery is done, we will be leaving them. What a nightmare!!!!

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.

Terrible customer service. Unable to get answers on chat although I have asked to speak to agent I am not getting clear answers nor will the agent… Read more

give me their name. Phone wait times over 1 hour. I regret transferring to this organisation and will transfer back. Unable to find out in APP if covered for a procedure but have to phone for a quote which means an excessive wait time with terrible music and messages.

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'd been with NIB, changed to another provider then switched back. 7 weeks on I'm still waiting for my continuity of cover to be recognised. I've… Read more

lodged a complaint with the Ombudsmen. One more day for NIB to contact me with a resolution. I'm not holding out much hope.

What would one expect from a multinational run from a rich elite in Great Britain. Quater of century a member, I switch to a more equitable fund.… Read more

These losers lie to the fund I'm currently in so I reincure the money grabbing government levey tax. Which has concluded with myself dealing with the fallout of these liars at Bupa. Go elsewhere people. This company has the mentality of " grubs ".