Been with them 2 months and now going back to my previous insurer
I had been thinking about moving providers for a while to ensure I had the best possible deal. I wanted to up my level of cover as we were planning on another child and after receiving a quote from my previous provider and CBHS, the latter was about 15% cheaper. The CBHS advertised offer to waive the waiting periods on extras made the decision that much easier, so I signed up in mid-May. It went downhill from there.
The website looks and functions like something from the early 2000's. I cannot see my membership number without logging out and c...hecking my saved credentials, or looking for something personalised in my inbox. There's no way to see previous billing/payment history (verified with CBHS support) without asking them for a dump of information. Then it came time to make a claim. The advice received from the signing agent was to take advantage of the waived waiting periods. My wife visited the dentist to have some work done about 3 weeks after we signed up and when she went to swipe her CBHS card, the transaction was declined with an error message "membership is not financial". So she had to pay from our pocket before leaving the dentist. More time on the phone/email and I was told that the card would not work until our first month's premium came out. This was never disclosed during the sign-up period and was not in the T's & C's on the website or in the PDS I was sent after signing up. Very poor form. My claim was eventually paid after submitting it online, but the amount returned was significantly less than what I'd have seen with the previous provider and way less than what the percentages suggested on the CBHS website and in the membership information emailed out after signing up. I spoke to customer service a few days later and additional info was provided that showed a lower percentage figure but the rebate percentage cap was still ambiguous. My previous provider was crystal clear on this.
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