Defence Health Health Insurance

Reducing dental benefits yet again and increasing premiums at the next opportunity. This organisation is the lowest of the low in looking after its paying ex-service people. It is just a typical profit oriented business. They rather increase their investments to over $0.5 billion than provide decent benefits to their veterans.
Went to OPSM today to get new lenses. Because i am with Defence Health, there are no discounts. If i were with Navy Health, i would have received a 20% discount. Another reason to leave this appalling health fund!

I am a ex serving member I changed insurance companies last year believing I was getting a better deal, ha ha I got conned. DSH staff are the same as DVA, clerks without knowledge of acute military illnesses and how ceiling mould can worsen acute respiratory illnesses and asthma, they expected me to sit in my electric recliner to sleep, nightly. The ceiling mould was from storms in SE Queensland recently, the DVA RAP supplied hospital bed was in the bedroom where the ceiling mould was growing, DSH staff member said well only homes that were flooded get priority, you have low priority for repair. Don't entertain taking insurance with DSH if you have a major disability as they lack empathy.

The most awful experience and caused us nothing but problems, they reject everything straight away and you have to fight them in the ombudsman every single time (surprise they’re in the wrong) impossible to deal with on the phone, constantly promised calls back with a qualified person but you never hear from them then they promise to call in another weeks time.

I had to spend a whole day away from my breastfed newborn collecting paperwork from 3 hospitals and 4 gps, all of which said the paperwork I was providing to them was very unethical and warned me to leave them.

Don’t walk, run!!!!

Compare Item 965 (Occlusal Splint) coverage with other health funds.
Defence Health covers "up to" $300, but Bupa covers up to $750.
Most funds usually cover at least $450 or more.

Been a serving full time Defence member for 11 years. Never had an injury in my life. Snapped my foot in half surfing 3 days ago and the lady on the phone wouldn’t tell me what I’m covered for and simply told me I’d need to prove it’s not a pre-existing condition.

Told her i had a high velocity surfing accident 3 days ago, and she still wouldn’t help me over the phone. All I wanted to know is what my policy covers and how it might help me recover from a severe lisfranc injury.

Suggest you guys get your act together - start helping veterans, ...

I was heading overseas and requested my account be suspended for two years. This was agreed to. However, the Covid pandemic and associated travel restrictions prevented my return to Australia prior to my two year suspension expiring. So I made contact via email and requested an extension of a few months which was agreed to. But again, a lack of flights and other issues resulted in me having to request yet another extension. Again this was agreed to, but not only was the period of extension increased to what I had requested, it was further incre...

Paying $150+/mth and only receiving $20 back for a $120 appointment. Not worth the money.
I recently found out that unless you are actually in the Australian Defence Force it isn't really beneficial as there are tiers once you leave and the rate skyrockets.

I gave Medibank Private the flick a few years back because they kept increasing my premiums and reducing my rebates. I changed over to Defence Health because they had good reviews and my Grandfather had served in the army. A year after I joined they too started increasing my premiums and reducing my benefits. To add insult to injury, they also took it upon themselves to increase my agreed excess from $400 to $500. The policy I'd signed up for was actually called Premier Hospital Gold 400 & Premier Extras. Now it's been renamed Premier Hospi...

Husband serviced 36 years in army and I was a top cover member all that time with defence health the servicewas always really good. Once he discharged we where just kicked to the gutter, policy more than doubled and absolutely no loyalty for being a member for 36 years. I was so shocked.
Navy health have provided us a far superior service.
No support for ex service member or family. Shame on you defence health

Signed up and paid the annual fee. I purchased physio 12 hours before the cool-off period. It was sent to a Team leader and their decision was not to provide support.

I'v since spoken with two other health agencies who said this would have been covered.

I will be sure to remember the courtesy given come renewel time.

Keep away!! Don't be fooled by the term 'Defence' they don't give two crap. 12 hours trumps 12 years service.

You've been warned.

Great extras coverage and I havent had any issues with any of my hospital claims, Im on top hosptial cover with no excess and I have not had any gap fees in any of my admissions thus far.

Took out a travel insurance policy for their "cancel for any reason" cover. This is not an accurate description as I won't be seeing one cent back from them whe trying to claim for a wedding cancellation.

I took this cover well before Covid - 19 was declared and they will not help me in any way.

Would not recommend this group to any person what so ever.

Defence travel insurance policy was ok value for money and I guess I wanted to show loyalty to Defence Health because we have been with them for over 25 years.... not anymore.

I cancelled our travel insurance in mid Mar and before the official travel ban for COVID was in force, and still haven’t received our refund.

I find this unacceptable and I’m disappointed with their processes.

Really bad service. Different answers from each rep, no clear management levels, avoidance of claims due to fine print conditions or no proper explanation and very expensive. Level of cover seems to keep shrinking like dental, optical, podiatry to name a few. Better value elsewhere.

My experience so far had been good with DH until i took out their travel insurance. I use the app constantly with no real issues. Their travel insurance however i have been disappointed, out of pocket. Took coverage in November to find we are not covered by pandemic, tried to repeatedly call with sometimes the phone next to me for an hour with no response, email was finally replied to a 3 weeks later with just a message saying we use Allianz for the travel policy and a link to their website, and didn't even answer my questions. Then emailed...