EML Insurance

Absolutely disgraceful. Accepted claim was later denied. Visit to their doctor (certainly not independent) was a joke. He was coached by EML beforehand to deny my claim via a random report they sent him. 6 years and still waiting for a result. Would give a minus 10 if allowed.

I have been receiving payments but in the last week I have now had my payments penalised losing $210 dollars a week out of my payments just received an email stating that my current certificate of capacity is not valid and they are ceasing payments I have contacted my lawyer and sent them the email and a copy of my current certificate of… Read more

capicaity which has always been good before not sure if it's cause it's coming to 1 yr and they don't want to pay I have been diagnosed with carpal tunnel in my right hand which is my dominant hand I quit my current job as I can't go back to any form of work as I haven't been treated I've recently had a left knee replacement and I can't even pay to see a physio and I had an appointment tomorrow so my knee is starting to seize up because I can't even go to my physio and my stress levels

On 9/04/2025 I fell at work as I work at mildura Base hospital I have not been able to go back to work my pay has been mucked up so many times I am now dealing with my case manager refusing to give me a report of my medical records from my doctor… Read more

stating that my knee was only arthritis which there is more involved in my knee I have now finally getting lawyers to take over my stress levels are at a control which is affecting my mental health let alone my health in general I'm unable to go back to my work to my previous job this company doesn't even deserve one star the person who I'm dealing with is absolutely unable to do her job and as to my company that I work for are actually fools

-3 stars I regret not engaging a lawyer from the beginning. The people I have interacted with took full advantage of my limited cognitive capacity and twisted my words to deny my claim. Absolutely shameful.

Anyone successful against EML please share, I am in the same boat claim rejected what called case manager was VIP never talk to me and ended up rejecting claim outcome was conflicts between staff are very normal and don’t care what you have gone through. I am in Vic, please advise, anyone win over EML and share your experience. Thanks

Terrible company who constsanly delays payments and ignores any emails you send. They are all about harassing the injured worker and not actually trying to help you.

Forced to give one star — it should be minus. EML operates in a way that is unethical, immoral, and deeply harmful. They routinely act in direct conflict with judicial orders, yet face no real accountability for the damage they cause. Case managers, team leaders, and technical specialists appear to operate with effective immunity. In any other… Read more

profession, this conduct would result in disciplinary action, loss of registration, or criminal consequences. Here, nothing happens.

Documents are altered or relied upon despite being inaccurate or discredited. Reports are hidden, corrections are refused, and transparency is actively blocked. When you ask to see information held about you, you are told they are not required to provide it and must instead pursue a GIPA request — an exhausting barrier that further entrenches the power imbalance.

Discredited IME reports are reused, recycled, and relied upon by other doctors, creating confirmation bias that contaminates subsequent opinions. These opinions are then weaponised against injured people, despite the flawed foundations they rest on. This is not good faith claims management — it is systemic misconduct.

The psychological, financial, and physical harm caused by these practices is unthinkable. There is no meaningful oversight, no accountability, and no protection for vulnerable people.

This system urgently requires independent scrutiny. A Royal Commission is needed.

Review of EML Insurance (Based on My Experience) My experience with EML Insurance has been extremely disappointing and, in my view, deeply concerning. After nearly eight years with my employer, I lodged a genuine WorkCover claim for a workplace injury. Despite clear circumstances, EML rejected my claim on what I believe were unnecessary and… Read more

irrelevant grounds, including unrelated workplace matters. As part of the process, I was referred to an orthopedic specialist chosen by EML. In the appointment, he verbally indicated one thing, yet sent a report to EML the very same day stating that I had no injuries. Although he told me he would wait for my MRI results before forming an opinion, I later discovered he had already submitted a conclusion within minutes. From my perspective, it felt predetermined and lacking impartiality. The report also included comments thanking the insurer for the referral and expressing interest in future work with them, which raised further concerns for me about fairness and independence. In my personal opinion, no injured worker should have to feel that an assessor’s loyalty lies with the insurer rather than with accurate clinical judgment. Based on my experience, I found the entire process with EML to be frustrating, dismissive, and unfair. I left feeling that genuine injured workers are not being supported but instead pushed aside. I sincerely hope there is greater accountability in how claims and assessments are handled, so others don’t go through what I did.

Absolute scum bags !!! They would drive injured people to suicide deny claims use absolutely any reason to deny claims and when injury commission side with you they still try to refuse right down to the wire to compensate you!!!!!! I don’t know how anyone who works with them can live with themselves

They leave you 10 months with out pay after being hurt while at work at a government job giving you the run around. They don’t care about workers. [Name Removed] is useless as a case manager and will reply at 4:58 on a Friday and be on holidays as of the money. This company will try screw you any way possible.

Beyond belief...just read all these reviews. EML needs to be thoroughly investigated for acting ruthless, not following ethical obligations to be fair and reasonable, financially abusing people, concealing evidence, dishonesty and overall behaving downright immoral and unethical causing significant trauma. It's hidden abuse and seems to have… Read more

become a brain washed culture of staff thinking it's normal and ok to do what they like if it means reaching KPI's, saving money and getting bonuses.

Avoid at all cost, especially if visiting IME doctor. Looks for every small detail of claim to reject. Complete lies by everyone involved, absolute joke of a process

I wish you could give minus stars. I've been screwed around for 3 and a half years and I'm still in pain and unemployed and have to collect centrelink. A 3 meter approx 160kg table top fell on me and they denied my back claim. Useless company that will spend more money to try to not pay people what they deserve! As soon as you have to deal with this company get a lawyer!! Trust me because I'm going through that process at the moment.

I’m actually going to spin a lot of people out here with this review I’m sure. I’m 3 years into my injury claim, with a VERY complex injury and subsequent autoimmune response resulting from my spinal injury. My life has changed so much. I was VERY scared in the first year (as I was slowly becoming paralysed). Then I became VERY angry in my second… Read more

year. However, let me share with you guys what changed in my second half of this process.

My case manager Ali V, started explaining their processes and procedures. He took the time to explain his role, responsibilities and how the workers comp system worked.

I had a shift in my thinking. I started to do the review forms after each interaction with team members. If I wasn’t satisfied, I told them. But… when they did satisfy, I acknowledged this. I started working with the system and not against it.

What changed for me, through working with my case manager, was (1) I got some power back. I understood what he was doing and the processes that take place and I regained more sense of control over my life. (2) Things were surprisingly happening quicker, or if there were delays, I was notified, had the reason explained to me and knew what was happening.

Not everything in workers comp is as simple as a YES or a NO. You’ll need to get used to “NOT YET” which is expressed as “we need more information” - and I know this can initially seem like “how can we get out of this” - you’ll be suprised to find that often (if it’s legitimate) what really happens is: once justified through the process the insurer has to go through… the support you’ll get is actually unwavering.

I can only speak for myself here, and as I said, my injury has been VERY complex. However, from my experience and with such huge physical consequences on the line and genuinely wanting to get better (as good as I possibly can), I’ve found that EML has only wanted the same thing.

It could possibly come down to how much better do you actually want to get?

Are you looking for the payout? Or are you trying to claw back as much quality of life life me whilst staring down the barrel of a “not being able to walk” or ending up in emergency where you’ve had to have your heart chemically stopped more than once?

Just like everything else, it’s all about perspective.

Hi Everyone who has been replying to my review and also trying to get in contact with me. I have tried multiple solicitors to act on a class action against EML and VIC WORKSAFE and NSW WORKCOVER. I am waiting on a response from a firm I won’t name on here. I have also contacted the VIC OMBUDSMAN and have been advised that EML AND VIC WORKSAFE… Read more

are looking into the lack of duty of care. Also the denials and delays and the complete disregard.

I would ask everyone to call your ombudsman in your state or the VIC ombudsman and tell them your unlawful experience with EML and WorkSafe/ WorkCover.

I will update once I hear anything.

Please contact via private message.

Liers told me I would get a call but every time the push the date back and if the keep freaking around I will get necrosis in the hand and lose it if so I’m gonna press a law suit

What does SiRa and icare do ? How come still let EML has the license to deal with Workerscomp? No empathetic, trying all way to dispute your case than helping the sick out. Disgrace industry ! Does the government even hear our feedback and rating? They are insurance companies but funded by icare. It’s blatantly distorting the facts and making… Read more

psychological injures patients worsening . EML and their staff should get karma. They are criminals helping out unethical corporates who put their employees at risk. If there many Google and reddit reviews and publicly addressed the incompetence of EMl , they are shameless to continue what they doing . Cant believe 2025 in Australia. A stigma of my life to ever deal with EML! What governing agency are there to monitor their wrong doing other than IRO?

I have written a few times , this organisation cannot be so naive as to not read these reviews, out of hundreds over the years all bar I think 1 are disparaging in regard to how eml have handled their case. This organisation is being run and continues to be run without so much as a slap on the wrist by appropriate authorities ie the state… Read more

government, therefore it isn't a long bow to deduce that they are being sanctioned by them , it is insane that a failure to treat humanly,professionally , and politely nearly all clients is well over 99%, that's 99% any other business would either be out of business, or making macro changes to the way they conduct their business, in the past , present and what appears the future they are amplifying poor victims condition, our premier must be aware of this , and past ones ad well shame on them , stop hurting already damaged people for your bottom line , I repeat in this forum well over 200 reviews, failure rate 99% unbelievable.

Very poor communication, they have no respect to their clients, they make the issues even worse than pre injury, this was a eye opener now I am questioning the whole workers comp system.

EML need to be investigated. This company is toxic. It is a disgrace. The way it operates is unlawful yet nothing is done about it. Case Managers with no medical training or qualifications are encouraged to over rule medical professional’s opinions and recommendations which is dangerous and harmful yet is totally acceptable to EML and Icare.… Read more

Management is so utterly incompetent and unqualified it is beyond belief. Injured workers are treated disgracefully and inhumanly so KPI’s can be met and targets reached. How can EML continue to be left to their own devices and ruin people’s lives is beyond comprehension. Incompetent case managers , who are only glorified call centre workers, lie constantly to cover their incompetence and managers do absolutely nothing when this despicable behaviour is reported. IME doctor’s they use are simply cash for comment robots that should also be investigated and prosecuted. A thorough investigation is needed to shut this company down and all employees need to be held accountable for the damage and harm they cause to injured workers. It really is time for people to stand up and take action against this corrupt organisation and let the public know what actually goes on behind the guise of workers compensation in NSW.

Zero stars is too many for this filth. EML and its employees are the most profit-driven, life-destroying, unethical, unprofessional, unscrupulous, callous and deceitful prganisation I have ever encountered. I have dealt with nothing other than incompetent, inexperienced , unethical and psychopathic staff, coached by money-hungry leaders, who… Read more

deal with vulnerable, already damaged injured workers. I truly don’t know how these people live with themselves.

Worksafe Victoria only enables, condones and justifies their agent’s conduct. Complaining to them only creates even more stress for no outcome.

I have experienced it all - Illegal and unethical conduct to try and delay and deny legitimate claims, delayed payments, trying to avoid paying, having to fight for your entitlements, taking months to respond to urgent treatment and surgery requests (and having to end up at the Workplace Injury Commission which takes a further four to five months just to get what you need and are entitled to), never responding to emails and phone calls, only contacting you and your doctors when it suits EML, having a revolving door of case managers (recruited as call centre staff) with no experience or qualifications in physical or psychological injuries or case management, lying and manipulating information to cover up their incompetence and trying to blame vulnerable people instead, not responding to complaints, refusing to escalate complaints to supervisors, making all decisions based on whether they will achieve EML’s and Worksafe’s KPIs, literally not caring if you’re in pain, need surgery or whether you literally live or die.

I genuinely wonder if EML has a financial reward or incentive for case managers who cause injured workers to kill themselves.

The Victorian Ombudsman’s instigations only scratch the service and independent government reviews have made no difference whatsoever to a thoroughly broken and dangerous system

How many people have to kill themselves because of EML illegal and immoral conduct before the government starts to realise that the agencies supposed to support injured workers get back to work are actually permanently disabling and killing them?

Nothing short of a royal commission will even begin to address the rot, the illegal , unscrupulous and deadly conduct of EML, Worksafe Victoria and their staff. I don’t plan on sticking around long enough waiting for change.

This EML organisation are the most incompetent, unprofessional, corrupt organisation I have ever dealt with and I have worked in the Govt for over 30 years so I have seen it All . These are facts they will never meet there timeframe they will rarely ever respond to emails or calls and there is very high chance they will Reject your claim as they… Read more

know must people won’t take it to the tribunal. The are exactly like a private insurance company you need to fight for your rights as they are only for themselves I would give them a 0 out of 10 if I could.

I have had the pleasure of dealing with this lovely lot for the last 18 months… I have had 10 Case Managers in that time & have found almost every single one of them to be just as bad if not worse than the bullying, harassment & intimidation I continually put up with from the micromanaging boss at my place of work… They get no stars from me!

Corrupt, devious and dishonest. Don't talk or communicate with them or their investigators if possible. This is also a very sad reflection on the businesses that hire this company to harass and torment their workers - shows a total lack of respect and disregard for their workers health and safety. Shame on you!