Best Health Insurance in Western Australia Perth

Helpful with phone call enquiry regarding upcoming hospital cover usage. Also gave additional advice to avoid surprise fees when communicating with doctors Show details

Kat was really helpful in setting up health insurance for my family. She explained all the inclusions and extras, and answered all my questions regarding coverage. Would recommend Show details

Sam is knowledgeable and transparent. He have helped me navigte the pros and cons which made my decision easy. Show details

Has everything I need covered great Fund for singles/Families alike Show details

Have been a member for about 58 years and have always been impressed with the level of service and the quality of benefits. It is so refreshing that… Read more

you can speak to a real person in Australia whenever you need to contact Phoenix and the call is usually answered right away.

It's so refreshing to deal with people who are not only knowledgeable but also kind and approachable. In a world where good customer service can be… Read more

hard to find, this team consistently goes above and beyond. In a world where customer service so often makes you feel like you're just another number, it's refreshing to speak with people who genuinely care. Every interaction I've had has been positive, friendly, and helpful. I always feel heard, never rushed, and the team is consistently down-to-earth and professional.

I would 100% recommend this health fund to others.

Extremely helpful staff but only Monday to Friday. Also extremely fiddly process and they will go through all ! Prior certificate regardless of… Read more

waiving offers so be aware..what your told on phone is dependant to certificate assessment and if you've changed health funds can be slow also slow claims payments noting their processes and app are out of date. Glasses and dental with westfund more than 2 hours away cannot access. Unable to honour prior certificates due to changes too many times which is fine but then got settled but at the last minute excess changed and some details originally waived on first call changed.

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.

Being our first time in Canberra, Mo was patient, professional and thorough with going through our family coverage. Highly recommended to seek advice from. Show details

I've had a very positive experience with Peoplecare Health Insurance. Their customer service has always been friendly, professional, and easy to deal… Read more

with. Whenever I've had questions about my cover or needed to make a claim, the process has been straightforward and handled quickly.

I also appreciate the value they provide and the peace of mind that comes with knowing I'm well covered. It's refreshing to deal with a health insurer that genuinely cares about its members and makes the experience as simple as possible.

I would happily recommend Peoplecare to anyone looking for reliable health insurance with excellent customer service.

I recently compared my health insurance options and was very impressed with the service from Roger Ng. He patiently explained the differences between… Read more

the covers, answered all my questions, and helped me make an informed decision without any pressure. Excellent customer service, and I’m happy to be staying with Nurses & Midwives Health!

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

I transferred from an industry based health fund to TUH almost 4 years ago, mainly on the recommendation of colleagues at the time. TUH have lived up… Read more

to the reputation espoused at the time. Staff have been extremely helpful, knowleagable and prompt in their service. TUH offers a range of options suited to personal needs. Their rates are very competitive. I do recommend their fund. One thing people who transfer need to keep in mind is that while waiting periods do not apply provided you have served the prerequisite terms with your old fund, however the "loyalty" benefit tiers need to be served before you can receive the extra limits that apply.

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 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 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 had a really positive experience with ahm Health Insurance thanks to Jenny. She was warm, friendly, and incredibly helpful throughout the… Read more

conversation. Jenny took the time to clearly explain everything and made sure all my questions were answered, which made the whole process feel easy and stress-free. Her professionalism and genuine care really stood out, she’s a great representative of ahm and a real credit to the team.

Always excellent service and very helpful. You’re always dealing with a team that cares. Show details

Deplorable service after 20 plus years of paying premium dollars. Added our eldest son back in to our family plan after they raised the age.… Read more

Unfortunately he was rushed to hospital for gallbladder surgery and they refuse to cover because he hasn’t been back in for 12 months. It’s hardly a pre-existing condition! They may look at it in 3 or 4 days if we get a signed form from the doctor! Meanwhile he could die from sepsis so we’re forced to go public. Never again. Off to the Ombudsman

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.

HCF genuinely operates like they’re allergic to competence. I switched funds two weeks before my next payment, my new fund requested the clearance… Read more

certificate that same day, and somehow HCF still managed to snatch the payment anyway. When I called, they didn’t even bother pretending — just a pile of excuses about being ‘busy’ and only getting around to it today. If this is their idea of service, it’s no wonder people leave. I wouldn’t go back to HCF if they paid me. Dealing with them is a full‑time 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.

Jake was absolutely outstanding making the complex easy so grateful, they had me signed up really quickly by phone and I'm up and running again also their app is fantastic even better than hcf and ahm. Really fantastic service by phone Show details

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.

One key question to NIB would be "Would you ever remove critical cover from my policy without ensuring I had acknowledged and consented to changing… Read more

to a new policy that meet my specific needs?" I found out the hard way that NIB show no compassion and just keep taking my premium each month even though I no longer have the critical cover I need. They then insist I have to wait 12 months on the new policy to make a claim for the critical item I thought I'd been paying for. To add insult to injury the premiums for the corrected policy would have been less than what I paid, and they still won't budge on the 12 month wait. Think twice before choosing NIB!

I’ve held hospital and extras with this company for over a year. One of the extras is remedial massage. I tried twice to claim for two massages from… Read more

a company that allows claiming and both times BUPA rejected the claim. I tried to contact them through the chat on the app as its impossible to get through by phoning and the app said someone will get back to my shortly. Several minutes later the chat cancels my request and said it’s been taking too long to respond. What the heck…..they take to long to respond and then cancel the chat. Pic attached shows what I got after waiting on the chat in the app for several minutes.