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Defence Health Health Insurance

Defence Health Health Insurance

 Verifieddefencehealth.com.auABN: 80008629481
Defence Health Health Insurance
3.5

324 reviews

Positive vs Negative
52%48%
Claim Resolution Time
  • <10 minutes
  •  · 
  • <1 hour
  •  · 
  • <1 day
  •  · 
  • <1 week
  •  · 
  • 1-2 weeks
  •  · 
  • 3-4 weeks
  •  · 
  • 1-2 months
  •  · 
  • 3+ months
  •  · 
  • Never
Claim ApprovedYes · No
Transparency ?
2.7
Customer Service
2.7
Value for Money
2.8

 AI reviews summary 

Pros
Helpful customer service: Members consistently praise call centre staff for being professional, polite, and effective at resolving queries.
Value and coverage: Many reviewers highlight competitive premiums and comprehensive hospital or extras cover compared to other providers.
Reliable claims processing: A large segment of members report a smooth, straightforward experience when submitting claims and receiving rebates.
Long-term loyalty: Numerous customers note decades-long memberships, citing consistent reliability and peace of mind over many years.
Verdict

Defence Health maintains a predominantly positive reputation among its members, with many highlighting long-standing loyalty spanning decades. Customers frequently commend the supportive, knowledgeable call centre staff and competitive policy pricing. While a small subset of feedback points to occasional challenges with wait times, digital portal navigation, or specific claim disputes, overall sentiment remains strongly in favour of the fund's coverage and service reliability.

324 reviews
5 T-roy  · The service was fantastic and all my questions were answered.
5 Marie Palmer  · The help from Defence was fantastic, Very easy to send a claim in.Most times the claim is done pretty quickly
5 Choice  · I lost my health care card, phoned Defence Health. lovely person answered the phone and issued me a new card. It arrived in days!!
5 Bob T.  · Serious computer glitches a while back but fixed and now very happy with service, product and customer interaction.. Value for money and simple to claim.
5 Rodney B.  · My telephone call to Defence Health was of excellent service set me on the right track and answered all my questions honestly great service thank you sophie
5 John W  · Excellent service and cover for hospital and extra's. phone app for claiming a breeze
Anne C
Anne C2 posts
 

I have been with Defence Health since its inception. The staff are knowledgeable or source the answers very quickly, they are friendly, communicative, efficient, and resourceful when needed to find solutions. Show details

Ask the reviewer
Ross M.
Ross M.VIC
 

I needed help on submitting a pharmacy claim. The customer service lady was exceptionally helpful and understanding. Solved my problem with no hassles. The wait time was really short, unlike most others! Show details

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Brian
BrianVIC
 

I spoke to Courtney who was extremely understanding about my enquiry and also Very Helpful. All I can say is that her Manager in the office has a n extremely easy job having such well trained and understanding staff. Show details

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Reviews with attachments

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Karen Pickering
Karen PickeringQLD2 posts
  Fair Incentive Verified

My call was answered in a short wait time. Assistant was very helpful and polite. She was able to help with my query regarding claiming for my wrist surgery and also able to rectify a different issue. Lodging a claim is straightforward using the App. Show details

  • Thumbnail
wattaman
wattamanQLD31 posts
  Verified

How the mighty has fallen. Decades with this company and never seen it like this – Many decades with Defence Health and overall has been quite a good company. Claims paid well, communication good, value for money reasonable, calls answered, and claims processed. Sadly this is no longer the case. Not able to use the online portal for my extras claim as the provider isn't recognised. To add my provider I have to call. Hmmm I… Read more

used the snap and send app which was processed in a good few days, but payment never issued. I can see the claim finalised but also see they never added a payment details so I never received my funds.

I've since lodged another claim and again the provider isn't recognised so I'm recording to the snap and send app again!

This is where my problem continues. 17 phone calls in over three weeks, and not a single one of them answered.

All calls terminate, usually after 10 minutes of being in queue, the latest was after 31 minutes of sitting in queue.

Listening over and over to lodge my claim using the provider portal, the repeated message becomes insulting.

Multiple emails sent and not a single reply, the online chat program is turned off to focus on calls. Last resort was to lodge a complaint with Ombudsman last week.

I want to stay with Defence Health but this is extremely concerning behaviour for a once very trusted brand.

Not giving this a one star as the decades of good service is recognised.

Latest follow-ups

lewis
lewis2 posts
 

never in over 40 years have i had a problem Show details

 Follow-up  · Good price, helpful staff easy to understand don't have to wait too long on phone always get the answer that I want very friendly can't complain about anything

Dianne Shrive
Dianne ShriveSA2 posts
 

Contacted defence health with a query about my benefits for hearing aids. I wasn’t kept waiting on the phone at all and received excellent service from Peter who was very friendly. Easy to talk to and very helpful. I recommend them for anyone. Show details

 Follow-up  · Had a dental emergency. Processed claim quickly and easily and pleased with the benefits paid

pan h.
pan h.QLD3 posts
 

Inept Defence Health – Been a paid up customer of this now jokey provider for over 20 years. It is obviously now run by a completely inept management team, from the run out the door CEO when the IT upgrade went brown, to whoever is supposed to look after the "Web Portal"… Read more

that don't work...I have sent numerous emails for contact, nothing...Sit of the phone because I can't use the aforementioned "Web Portal' to make a claim, then provided the incorrect information...back on the phone.

While I simpathise with the the call centre staff, and they should not have to accept any abuse or anger from Defence Health customers, they are not being helped by the jokey management, or the portal failure,

I believe I am done with them, can not believe what was a great, easy to use, customer focused provider is now this joke.

 Follow-up  · I have nothing, Defence Health is still a costly farce. I would also say I’m reasonably confident that all the other alternative options are similarly not fit for purpose. Private Health Cover in Australia is a financial joke perpetrated on captive consumers.

Positive reviews

Colin
ColinVIC
 

You keep telling me about a member portal. I am 75 years old and would like the option to be informed on paper as this is how I have lived my life. I find the digital age confusing anf frightening. Show details

noreen j.
noreen j.NSW
 

I recently used my defence health insurance to access physiotherapy, and was pleased with the amount of return I received from my fund. It made me more inclined to access preventative therapy in the future, to continue in good health. Show details

David Lewis
David Lewis
 

The girl that handled my enquiry, was absolutely amazingly helpful, and very very cool, fantastic personality and a great asset to Defence Health Cheers David John Lewis Show details

Negative reviews

Hatt
HattSA3 posts
 

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. 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… Read more

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

Defence Health
Defence Health    

We're sincerely sorry to hear about your son's… Read more

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Mandy
Mandy9 posts
 

Terrible service Direct debit payments always screwed up Just got charged $3300 for a hospital stay because they said it was a pre-existing condition even though my doctor specifically said it wasn’t. Went to the ombudsman and they still refused to reimburse me Will NEVER use them again Show details

Defence Health
Defence Health    

Thank you for taking the time to share your… Read more

John
JohnQLD3 posts
 

i was $6000 out of pocket for my right hip replacement surgery in september last year and will be another $6000 out of pocket for my left hip replacement surgery next month. why do i pay for health insurance? Show details

Defence Health
Defence Health    

John, we’re sorry to hear about the out-of-pocket… Read more (+2 replies)

Recent reviews

Barry Shepherd
Barry ShepherdNSW7 posts
 

Our Defence Health insurance policy works well for us and the claim system is easy to access on line. Coverage is appropriate and suits us as a couple in our over 75 age group. Availability of membership because of our parents' services history enabled us to join. Show details

Nat 28
Nat 28VIC3 posts
 

I have been with Defence Health for 11 years, and they have always been very helpful and not one issue. I have just had surgery and one phone call before it, they organised everything. All confirmed in one email, what could of been stressful wasn't. We are a family and find our policy is excellent value. Show details

Val
ValQLD4 posts
 

I had several concerns re changing my health fund level. Everything was explained in a easy to understand and helpful manner, no pressure, friendly and easy for me to make an informed decision. Show details

Dianne
Dianne
 

The best coverage for health costs. Staff used to be amazing. Recently have computerised a lot of functions and I don’t think that has worked well. Overall the best fund there is. I have been with this company for nearly 60 years. Show details

Dino B.
Dino B.SA2 posts
 

If you're eligible to join Defence Health, I highly recommend them. I've been with them since day one and have always been impressed by their service. Professional, reliable, and they've looked after me every step of the way. Show details

Colin
ColinVIC3 posts
 

Have been a member with Defence Health for approx 10 years. The staff are very helpful, friendly and product knowledgeable. Any issues have always been resolved effectively and efficiently. Staff members make sure that your issue is completely understood and resolved. No issues with this organization, fully recommend their product and services. Show details

 Follow-up  · We were with BUPA prior to switching to Defence Health, premiums were a lot dearer with BUPA and still are. Our coverage with Defence Health includes Hospital Cover and Extras. BUPA did not include extras. Not aware of any significant policy changes, although they recently forwarded a letter indicating some internal procedural changes to aid… Read more

Robyn S
Robyn S
 

I have had several interactions with banks, airlines etc via phone recently, so my expectations were low, but Annette’s assistance and persistence in solving my issue was above and beyond the call of duty, and left me wanting to give her the rest of the day off for her helpful, cheerful manner and not robotic dismissal. Show details

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Dene
Dene
 

The consultant was definitely across the products available and she helped me choose the right plan for me, while offering alternatives for me to choose. The change of my plan was seamless & the consultant was easy to talk to & understand. Highly recommended! Show details

Kris Boyapati
Kris BoyapatiACT
  Verified

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

Stephen Harvey
Stephen Harvey
 

1. Once connected the Defence Health person was totally helpful and informative, a wonderful level of service. I was after an F25 tax statement. 2. At the start of the call I was advised of a 25-35 minute delay. This was good as it managed my expectations. I left the phone on low volume speaker and continued with other work. 3. However, the call… Read more

was not answered for 44 minutes and started at 2:23pm. That does seem a long time to wait. A periodic update on the remaining wait time estimate would have been useful and that could possibly be automated (or does that already exist and I wasn't listening). 4. Don't be mistaken, overall, I am very satisfied with the healthcare support that I receive from Defence Health, and the administrative processes.

Thank you

Stephen Harvey 0417 341 291

Barry B
Barry BVIC
 

I did not believe that my latest quarterly invoice of $929.37 was good value. I am a single, 78 year-old, fully retired man with 24 years military service, and have been a member of Defence Health since 1969, except for a three-year stint (1972–1975) in UK. Your consultant, Mars, was competent in attending to my complaint, and very helpful in… Read more

finding ways to reduce my premium to a manageable level. I have felt for a long time that Defence Health should offer a loyalty program.

mal k.
mal k.
 

I rang to confirm my entitlements for my recent hospital stay and treatment that was answered fully, The person I spoke to added more in-depth information on what was covered in my extras package, this was very helpful. Show details

Maria G.
Maria G.QLD
  Verified

Have been with Defence Health since mid ninety’s, believe this is one of the best private health coverage and have used this many times unfortunately due to some health issues. Claims have been settled with no problems and I would recommend others to use Def Health if they fall within the guidelines. The only issue I have with them sometimes is the waiting times if trying to contact by phone. Show details

John T
John TQLD
 

There was a time not so long ago when Defence Health had serious Communication problems to the point I was ready to change health funds, I am pleased to say that this seems to have resolved itself. I no longer have issues contacting them by phone and they seem to be very helpful in sorting through any problems I may have. I have been with them… Read more

for many years now and their fees are reasonable so I would recommend them to anyone looking for a good health insurer.

Therese V
Therese V
 

Very happy to be back to being able to contact defence health with ease. The change of systems was very challenging for staff and clients. Welcome back to good old fashion communication that means something. Show details

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