Misleading Money Back Guarantee Claims
I never heard of GMHBA before but I wanted to try a not for profit fund. With their 60 day money back guarantee I thought it’s a safe risk to take.
After being with them for almost 2 months I kept getting automatic emails asking for documentation that I didn’t need to provide. Emailing them didn’t work so I had to call to fix that. I soon realized also that they don’t have a mobile app to allow members to manage their cover. This was very inconvenient. It’s not cheap to be with GMHBA either.
So after 2 months I decided to claim my money bac...k. However what I later found out was that GMHBA gave me a clearance certificate that was back dated 2 months from when I cancelled my membership. This means I can’t transfer across the 2 months I’ve spent with the fund to my new fund and for me this also meant I was no longer eligible for a lifetime health cover loading of 0%. I was never told of this policy prior to cancelling and you won’t find it on their website either. Which makes me wonder if they just made this rule up on the spot or deliberately did this so they didn’t have to honor how their money back guaranteed would be perceived by customers.
Good policy zero customer service
I have been happy with cover but changing providers. I moved interstate and the updated policy had incomprehensible wording on ambulance cover. Emails went unanswered fir weeks unable to get thru on phone. Last time I had issue same deal, took weeks or emails and calls to fix a simple thing. Don't have the time.
GMHBA - try cancelling!!!
Got email from GMHBA saying they're re-activating my account that I told them I cancelled after their ridiculous prices where expensive gaps still need to be paid.
Called them .. talked to someone after a wait. Got a load of questions as to why I'm cancelling. Suddenly he was having trouble hearing me when I persisted on the cancellation after he "offered" a lower rate. He hung up.
Rang back .. option 1 .. hung up
Rang back .. took option 2 to get around the hang ups .. got to the same point ... also having trouble hearing me .. hung up.
Nothing wrong with the phone. I don't think this mob wish to hear about cancellations. The "line" goes dodgy when the answer is no.
Business hours are a joke
Been with them for years and paid premiums annually
Now I have on paper at least better insurance with a bigger insurer / underwriter for over $1100 cheaper per year.
Canceled just after renewing the policy but over $ 8600 per year for a family seemed excessive.
Two phone calls when you can get them (I think they open at 09:00 and shut at 17:30 so you have to schedule it) and multiple requests via the portal message service and email but
7 days later still no refund of nearly $9000 nor any communication to advise whe...
If I could give a negative score I would
I unfortunately joined GMHBA over two years ago, big mistake!! I joined with the purpose of having a total knee replacement (TKR) which I had, at a private hospital in November 2020. I specifically joined GMHBA so I could take advantage of the 'at home rehabilitation service' which is regular practice after a total knee replacement. I specifically asked before joining if I was eligible and was told by GMHBA that I would receive at home care. After my operation GMHBA declined my claim, not once, not twice but three times. My surgeon, physiothe...rapist and G.P. all wrote to GMHBA questioning why I was not receiving at home rehabilitation services, which is regular practice. I was unable to drive for 6 weeks so I had to rely on friends or family to get me to and from my physio appointments. I then requested that I would be happy to go to a rehabilitation center for the first two weeks but they declined that as well. I contacted GMHBA and requested that I hear the 'original recording' of my phone call when I joined but they declined that request as well. DO NOT JOIN GMHBA they promise the world and deliver nothing. The laughable thing is they sent me an 'exit email' to me so I can forward it to my new health insurance provider and guess what.....it states in their email that I am 'entitled to rehabilitation'...what a joke, they don't have a clue about what they're doing...run, do not look back and go somewhere, anywhere else!!!
No environmental commitment
While other health insurance companies are divesting away from the fossil fuel industry, GMHBA has made no such commitment. I will be changing to a different fund by April 1 if no environmental commitment is made by GMHBA
Poor customer service
The GMHBA website had an issue whereby a member couldn't log in and this was an issue for over a month. Extremely poor customer service and no response to a telephone call and an email (sent over a month ago) asking for a comparison of the various levels of cover provided plus costs. Have subsequently changed providers for Private Health cover.
A very disappointing insurance.
I wasn't made aware of the waiting periods on dental check ups and xrays during the sale of the insurance.
I was hit with a massive bill and a decline on my health insurance card. I didn't even receive an apology from customer service. They weren't bothered in the slightest. I cancelled immediately and unfortunately was left massively out of pocket.
Great people benefits good but bumpy claims process and short staffed on phones and in claims note...
Great until you claim about hospital admission.....issues with item numbers
Issues charging excess where didn't apply not sure what happened....?
Great staff but multiple problems claiming - item numbers argued about with surgery
Claims Process not aligned with surgeon caused angst with parties involved
Maybe not enough technical staff for claims enquiries ?.dont know
Staff very professional esp [name removed] is amazing and [name removed] too.
But.... claims process via email very bumpy lots of swings and roundabouts but this and that....
Issues contacting with long wait times 10 day wait for claiming minimum 15-20min wait on phone. Great people. High premiums.
Most dishonest and thieving insurer.
I have been with GMHBA for the past 11 years, recently their benefits started to reduce and the premium started to go up, steeply. As a result, I have called them to cancel the membership on a specific date, a date prior to the next premium is due. As, I have paid upto that month. But only to receive an email the day after the call, that the insurance has been canceled on that day. But, refused refund the money for 20 odd days or so, which I have paid in advance.
Unable to sympathise to a pts need even after giving incorrect information
Needing a private procedure completed I seeked out my health fund to ensure I was covered, after being told I needed a pre existing condition form I went to my local branch where I was then told I no longer needed to complete the form and that I was in fact covered. Happy to go ahead with the operation I was told merely a week before that I was in fact not covered and was told to once again get the form completed, I’m sick, still working full time and now needing to complete paperwork amongst two drs within 6 days or needing to foot the bill my...self. Although I understand procedure the fact I was told I was covered and then had that rebuked made me unable to trust this health care provider. People on the phone were polite however although saying they sympathised to the situation provided no possible ways of helping my situation. If you tell someone they are covered you should honor that’s agreement. Not take it away the week before the operation is to go ahead.
most pathetic, unhelpful, unworkable insurance company
I have to say this about GMHBA, they never answer the phone to deal with my queries. I have been with GMHBA for a about 8 or 9 of years and have not needed to make any claims other than dental (once) and eye claim for myself and family member. In this they have been adequate. However I am leaving a bad review because it is not acceptable to not provide some sort of customer service. 2 Business days to return an email???? I was on hold at 4 pm on a Thursday and was on hold for 10 minutes! I am trying to claim for ambulance (urgent service) a...nd can't get any kind of service. Better off paying more and getting somewhere. I will be cancelling my membership with this joke of a company. It is impossible to get any clear answers to basic questions regarding any potential claims I have had this year
Worst insurance and very rude customer care
I don't think this insurance is worth looking at, first they don't keep their word, secondly the customer care is rude and doesn't know anything about their product and pull gov policies from answering the questions. I requested to close the policy so they offered me new cheaper policy with reduced benefits but still charging the same, secondly when i ask why they are doing like that, they give me some gov policies things which no one mentioned any time in any form of communication. Why do we need medical insurance for just this extra headache? Worst provider, please beware of them...
BEWARE of their random audits!!!
We have been with them for approx 5 years and have had good service until recently. Beware of their random audits. We were recently asked to provide around 40 receipts dating back 2 years ago. The audit team are also fairly accusatory. I think they use their "random" audits to try to annoy customers so they leave. They might try to use it to get rid of customers they don't want anymore.
Be very Wary
We were lured to this Fund with the promise that we would have continued cover when we changed funds. This was not the case. Be very wary when joining this Fund. Needless to say we went back to HCF
Questions & Answers
Does GMHBA cover some/all the cost of blood pressure monitors
Which A C T pathology groups do GMHBA have agreements with . I would like to join but have read reviews which Suggest ACT residents may be disadvantaged .thank you Wilma
Capital Pathology has the bulk of the business in the ACT. Only a problem if you are hospitalised and lot of blood tests were done, as in my case. I am not sure if GMHBA has no fee agreements with others in the ACT.
Thanks for your response . Perhaps GMHBA could clarify this .
Is GMHBA refunding extras to policy holders not used during COVID?
Perhaps a rethink on the way this question is asked may help - at least me - especially the reference to COVID
I am not aware of what may be suggested here
What exactly has prompted this question?
Is their murmuring within the ranks I know nothing about?
There was a mention on Channel 7 last week that some health funds were refunding portions of unused extras on policies during 2020.
Thanks. It is now dawning on me as to your intent ... don't follow those type of sensational Public Affairs TV shows
My response: Why expect a refund?
What about 'normal' years when 'we' don't use all of our 'entitlements'
So, why should we cry foul just because we have a political lockdown?
I did not receive a full Extras refund fr GMHBA on new spectacles, as I did not think to check if my wife had claimed earlier in the same year (mine was at a considerable cost - three sets of specs: general, reading and 'required' prescription sun glasses (early cataracts developing). If I had just held out till the new Extras year rolled over ... !
Would be nice to be able to claim 'certain extras' to support specific medical conditions, in my case, a quality BP monitor
My long history of cardiac claims (GMHBA) would surely have given some value where our GMHBA Extras have generally (I think) been on the moderate side. Not sure how this could be manageable without an even greater admin burden on the Health Fund
And where do you stop like, a no-claim bonus where we don't use our Hospital cover for any year?
On my care insurance I recently had an automatic refund of approx $250, all because I had just included one of my daughters (aged 45) as another authorized driver (not a full-time driver). I was not under any penalties on that policy, although her no-claim accident history counted towards that $250.
My only point here is flexibility if possible at all, and every case on its merit and loyalty. Thank you. John
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