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.
We have been with GMHBA for 14 years and are very happy with them claiming is very simple and easy,
We have never had any complaints with GMHBA they have always been there to help when needed.
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!!!
Always peace of mind with GMHBA
Once I found GMHBA (who?) some 25 or more years ago (it is probably longer), we have stayed with the same Cover (Hospital and Extras) with confidence and satisfaction. I have never looked at what the 'others' may be offering since joining GMHBA. It feels to me like I am part of a family.
Very good organisation
We are very happy with our policy as it covers us very well with the issues I have had over the past couple of years.
All claims have been dealt with very promptly and have not had any issues.
Have been a member for approx 20 years and happy with the professional manner of the staff.
We are very satisfied with GMHBA Health Insurance
The policies are good value and easy to set up and change as needed.
Telephone stall are always most helpful and knowledgeable.
We have been with GMHBA since 2005, when we changed from Medibank Private.
We have a Singles Policy each to suit are separate needs.
Excellent Hospital Cover overall @ reasonable costs with good range of partnered Hospitals.
Good value Cover & inclusions, easy to communicate with actual staff/persons. Easy re Claims with good actions taken & resolved = satisfied customers over our years with GMHBA & would recommend for Overall Cover Hospital/Medical.
A wide range of policies at very competitive prices. Excellent customer service and easy to set up a policy and claims. Any queries are answered promptly. We have been with GMHBA for about 3 years now.
I have been with GMHBA for over 20 years. Easy claim submission and process. Website easy to use. Staff very easy to talk to and knowledgeable about claim details and policy content.
Happy with their medical cover
My policy has always been nearly perfect- Dental benefits not so good-don’t keep up with inflation, not the best with benefits. All other areas excellent ie Physio/Chiro/ Remedial Massage/ Acupuncture/ Optical/Podiatry and others. Unfortunately the ULTRA Extra is not available anymore and with 80% payout it’s been so good. New plans give 75% payout but premium is less...may consider swapping policy to Gold...would need to do the Maths. No dramas lodging claims, always extremely helpful courteous staff, very professional. Been with GMHBA now fo...r 10 years, won’t swap to anyone else. Have been told by many that it’s a much better fund than many larger private health funds, and I like it because it’s member owned...they’re always more interested in the members and what they need. DC Brisbane
Great Company. Happy with service, always friendly and helpful. I have recommended GMHBA to many of my friends.
The policy is good value. The staff in the office at Hoppers Crossing were wonderful. They explained everything and helped us with the best policy appropriate for us. Unfortunately the office is no longer here , that’s the only thing we are not happy with. We’ve been with them for 5 years.
Good to have affordable Health Cover Insurance
Yes lodged a claim, resolved within two weeks,
Been with GMHBA for about 15-20 years
We review each year or second year so to get the best deal
Happy this year to stay with GMHBA.
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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