Medibank Health Insurance

Terrible customer service. Unable to get answers on chat although I have asked to speak to agent I am not getting clear answers nor will the agent give me their name. Phone wait times over 1 hour. I regret transferring to this organisation and will transfer back. Unable to find out in APP if covered for a procedure but have to phone for a quote which means an excessive wait time with terrible music and messages. Show details

Hopeless. Cancelled policy and they continued to take money. Sent me a cheque that took weeks to come, then said they would cancel it and I asked for it to be sent back to my payment method and was told they could not refund to a debit card, only to follow up cause it hadn’t hit my bank account weeks later, to be told it wasn’t processed and they… Read more

could cancel cheque but could only refund to original payment method, which they said they couldn’t do prior. Ended up telling them, I’ll just find time somehow to deposit cheque. 2 hours wasted

Just recently I received notification that our premiums have risen by $36.75/month when the advertised increase by Medibank Private was 5.1% which equates to $25.41/month for our current policy - a discrepancy of $11.34/month. When I queried this… Read more

the reasons I was given were it depends on: 1. The state in which you live. 2. The type of cover. 3. Your claiming history patterns. Why is this company (among others) not required to be transparent and advise members of these conditions instead of making a blanket statement that premiums will increase by 5.1% then just go ahead and charge more as they see fit. We have been loyal customers of Medibank Private for well over 20 years for which we get no recognition whilst new members get loads of benefits to join - fair and equitable - I don't think so.

I joined Medibank about a year ago and I claimed on my extras only so far , fortunately my experience of claiming was seamless. Secondly whenever I need help for anything a customer service officer called Hala Wasef always welcomes me with due respect and tries her best to help me. I wish all customer service officers follow Hala’s foot steps. Show details ·  1

The representative I spoke to on the phone today was so thorough, professional & had an impressive knowledge of the product. Their lengthy training is very apparent! I wouldn’t even consider using another insurer… Show reply

It is easy and fast. The details are organized in a table, so it is easy to see and understand. Also, the biggest advantage is that it recommends the right insurance for me from a variety of options and provides good opportunities to many customers through various promotions. Also, it was not expensive compared to other insurance companies, and I liked that there were many options for me to choose from at a price point. Show details ·  1

My husband FB received an email from Medibank this morning denying his claim for a private ED visit earlier this month. He was transferred from ED to hospital for treatment hence it is reimbursable by Medibank. FB rang Medibank and after 5 or so minutes on hold was transferred to a woman. FB relayed the situation. After leaving hospital FB rang… Read more

Medibank and learned to file a claim he must submit the ED invoice along with a statement from Medicare showing how much Medicare had paid. FB did that and filed the claim. Medibank rep then put FB on hold. When she got back, she said that he had been reimbursed already. FB said that he had received no payment from Medibank for the last month. After some back and forth. the rep insisted that FB email her his bank statement! FB refused as that invades his privacy. More discussion then again on hold. Then FB asked her when it was paid as he had only filed the claim last week. The rep said 13 months ago. She was looking at 2025 records! That was a waste of half an hour. There was more discussion and more holding and she said the claim was denied because it was not from the hospital. The ED is a different organisation. The rep said that is the claims process so she recommended he go in person. FB refused as it's a one hour drive to the nearest Medibank office. Then the rep advised FB to submit his claim by post and ended the call. It was 1 hour. The rep never explained how Medibank would handle the claim different by post than via internet. FB is worn out today but plans to call Medibank tomorrow and hope a different rep is a little sharper. Too bad Medibank doesn't reimburse for wasted time.

NO COMMUNICATION. I tried numerous times to close the account. I now owe $728 ?!! MediBank Emails are "No-Reply", and phone numbers don't work from the US. So yea, NO way to contact this company. NO Communication. Now what? I guess I'm an outlaw. Show details

I have been with Medibank for more than 1 year for my OVHC. The monthly premium went up quite significantly in April 2026. I spoke to a consultant and she said Medibank can't do anything with the price. When I was trying to cancel the policy and go to another provider, Medibank charged a $50 discharge fee which is quite ridiculous! Show details

I was with Medibank’s for 20 yrs. Did not make too many claims, but my claims were dealt with fairly. I do travel overseas often and under Medibank travel insurance could not get travel insurance for more than 60 days. On the other hand I could not suspend my policy for less than 60 days. AHM and Bupa allows you to suspend for shorter periods so I had no choice but to switch. Show details

One star is way too much for these guys. Just rang Medibank Private and got put on hold for a supposedly 25 minute wait that took 49 minutes, listening to the same grotesquely distorted music on loop, interspersed with upsell offers of progressively diminishing interest. No updates on waiting time, no offers to call back. No option to message… Read more

or text on their website (although it suggests you do). Eventually got to speak to a human being who who reminded me that I was a "Priority Customer" (but my time is evidently worthless). Enquiry was into non-receipt of a payment which had apparently been sent out by cheque. Does anyone remember cheques? They're those things that you need to take into your bank's local branch (if you are lucky enough to still have one) before you see any of the money. Medibank Private have been deducting their $375/month subscriptions from my account for many years; there's no excuse for not reimbursing customers the same way. I rang Medicare earlier in the day and was told they were busy but could call me back in 17 minutes. They did, in 17 minutes exactly. Medicare is free.

EDIT: I made contact again and have unfortunately canceled our membership after 30 years. So many errors made in conversations and hbf can currently offer up to 12 weeks free and a gift card, so Medibank can’t match them. Apparently Medibank only do special offers to attract new customers and not to retain customers who have paid top hospital… Read more

coverage for 30 years.

We pay over $7k per year for top hospital cover and extras. I received info re a corporate policy with Medibank which includes a 9% discount.

I got onto their chat online to ask if they can give me some professional advice and let me know what the difference was between the two policies. All I got was a generic copy and paste of a corporate policy, an extras link that didn’t work which had QLD referenced in it while I’m inWA.

All I wanted, was to know, which would cover us for more as there was $2 difference in the price per fortnight, while the corporate policy had a 9% discount. You would assume that the corporate policy covered more but I know that it is not necessarily the case that if you pay more you’re covered for more.

I was told they would email me the policy and I could compare it with my policy myself. I thought they were there to provide a service with professional advice as people who know how to read the policies and use their professional knowledge to give advice not just copy paste and email.

Looks like we will be contacting other insurance companies and taking our 30 years of membership and $7k+ per year elsewhere! We can also get 2/3 months free plus gift cards changing to another insurer so it’s very enticing.

After reading these reviews, I can see that I am one of many who have problems leaving Medibank which makes me understand that is their organised strategy which is actually criminal behaviour. We changed to NIB on 27/03/26 after realising how much our fees were going to increase, no email to advise us of this until today, mind you. We have been… Read more

over paying for the past 10 years but have remained loyal because of of a st^pid belief that we might be rewarded for being loyal. The opposite is true, I spent 45 minutes on the phone yesterday waiting to talk to a "Customer Service" ( Ha ha joke !!!) person and requested that our policy be cancelled and Direct debit stopped, No no I was informed, that cannot happen until we we receive the Transfer Certificate fron NIB. Being very naive I then spent another 15 minutes calling a NIB Customer Service agent who explained to me that the Transfer Certificate has to come FROM the Health Fund you are leaving , ie, Medibank. NIB had in fact requested this on 27/03.26. Meantime they are still deducting money from our Bank account even though I have instructed them that the policy has been cancelled. I have written several messages on my Medicare app and get various responses like I have to call this No and talk to a person etc etc which in fact I did but that got me nowhere as I was given the wrong information. Otherwise you get a bot who asks you the same question over and over. They purposely make it almost impossible to talk to a person unless you are prepared to wait for hours with your blood pressure reaching dangerous levels. Please think very seriously about joinung this health fund, their Customer service is appalling and is this way for a reason.

After 17 years of my family being with Medibank and paying nearly $500 per month, I used their free health check up with a nurse. After two failed scheduled date/times I eventually had to call them and complain before I got put through to a nurse. When I did speak to a nurse it was not a 20min health check up but a generic survey to obtain general… Read more

information I assume they can then use internally in an attempt to provide a better service. I will now be spending the weekend looking at alternative health insurance providers. Very disappointed.

Talking about accessibility, I can’t believe how hard it is to 'access' assistance from Medibank when it comes to having a medical procedure. Everytime I have called to get an estimate of my out-of-pocket hospital costs, I was left waiting for more than 30 minutes, only to keep hearing the usual recording saying they are experiencing “more calls… Read more

than usual”. If this happens all the time, then it is not unusual, it is simply a service that is not properly resourced for what customers need, especially when people are trying to make important healthcare and financial decisions. I'm writing this while waiting 40+ mins time on the phone.... Of course the 'message us' option, for some reason, is not working.

They are incompetent. I have asked at least 3-4 times via phone and email to charge me on Fridays, and instead I keep getting charged on mondays, Thursdays and every other day except Friday. Show details

They show weekly premium but not for first premium had to pay fortnightly! And very hard to get it back. The "Members' Choice" Confusion for me personally ​Tricky Percentages: The distinction between "Members' Choice" and non-Medibank providers is incredibly confusing I feel. It is difficult to locate what they actually pay for non-network… Read more

providers, which is a major issue when local options are limited for us ​App : The online chat and app clunky you end up back on phone for any meaningful stuff I feel. Navigating the app is difficult, and it lacks basic functionality like online cover changes. ​Service & Communication Hurdles ​Wait Times: While the staff are lovely, expect to spend at least an hour on the phone per call. Corporate members often face even more limited hours and get caught in a loop being referred between departments like I did! 1.5 hrs later.....per call.. ​The "Cancellation Loop": The online bot for cancellations simply refers you back to the phone, starting the long wait times all over again. Limited phone hours. ​Billing Quirks: Premiums are deducted super fast I feel. Especially for ahm medibank transfer ​Refunds & Transfers ​Delayed Refunds: It took five calls and a six-day wait to receive a refund of $291. ​Slow Transfers: Moving between ahm and Medibank took over four days to complete.and was still not done so couldn't claim! and canceling or transferring generally requires about three hours of effort. Some processing goes elsewhere. The staff are great, but for me slow process to make changes or ask questions online chat dreadful couldn't join app for days I have since moved to a provider that is much easier to contact, though I am still awaiting a refund from my previous policy. Got refund 5 working days later. If you contact them to process cancellation seems like they take premium even if no claim fortnightly straight away! Ahm app and online chat better for me personally

how can you put your costs up when you refuse to cover for anything! Total fraud! You have loop holes which only protect you and charge people a fortune to then let them down during the most difficult times. THE WORST SERVICE! Show details

9th March: 2026 And so it goes on: Transfer to BUPA completed: Took 24 days (should be 14 days) from 13th Feb. Still no sign of a refund, considering Medibank was paid up until the end of February, plus they intended to help themselves to the March Payment. They say the refund was processed on the 3rd March. With this crew your money has a VIP… Read more

pass to leave and needs a Visa and background check to come back. Perhaps the money is having a scenic tour of Medibank's off-shore accounts or floating on the money market.

Sorry to keep going on: I hope it will soon be over.

TO: Medibank Customer Service

It seems the shabby treatment persists. A couple of days ago, I contacted Medibank regarding the clearance certificate that Medibank is required to send to a new provider within 14 days. BUPA advised it had not been received—they, at least, appear efficient.

I telephoned Medibank, and the customer service representative told me she was forwarding the Transfer Certificate as we spoke. Unfortunately, I did not get her name; I can only describe her as having a smarmy voice, so you may know who it was.

As of February 27th, this has still not been done. I only know this because I checked my new policy to see if all was well, contacted BUPA, and was told again that it had not been received.

Does Medibank consider it good business practice to leave customers in an inadequate situation simply because they have the audacity to move to a better fund?

I have since found the certificate 27/02 at the bottom of three pages of warnings and fantasy contact details plus a half-arsed - "We’re sorry you’ve chosen to close your Medibank Silver Plus Advanced $500 Excess... but as you requested we’ve cancelled it and enclosed the Transfer Certificate" notice. You'll need it if you switch to a new health insurer."

I’m sure you are well aware that you were supposed to send this directly to the new provider. They were expecting it. Don't trouble yourself, I have since sorted it. I see I joined 1st. February 1984. I think most customers would be well shot of you.

I have been in Medibank private for decades and what does Medibank do for my loyalty? Raise my premiums every year, hit my partner with a 49% levy because we couldn't afford to put her in private medical with 12 mi ths if moving to Australia, and now my Medibank rebate on things like massages have decreased by over 20%. As a pensioner, I can no longer afford, or desire to fill the pockets of Nedbank. Show details

Been with medibank private for about 30 years. Have noticed that over those years their service is progressively getting worse and worse. Trying to do the simplest of tasks with them is getting harder and harder. Something basic like getting help. Trying to talk to someone is next to impossible and when it is available, the wait times are… Read more

rediculous. When you do get to talk to someone, they usually don't know the answers or give wrong information. Recently went to hospital for 2 nights. When I looked at the claims history, the hospital charged Medibank $20k for a procedure I didn't get. That claim was from a current hospital group that is in recievership. Conserned about it, I tried for more then 3 hours to contact Medibank without any luck. Have given up. Their problem.

Beyond ridiculous. We got a 'Overseas Visitors Everyday Hospital and Medical' policy for a visitor. Not part of the visa requirement for the overseas visitor. The policy was easy to get online. When we went to cancel the direct debit, as the visitor was flying out, it was such a pain to do. If they let you get the policy online, why don't they… Read more

allow you to cancel online. Had to jump through st>pid hoops to cancel. They make it as difficult as possible to cancel the policy so they can just keep direct debiting. Such greed.

Very poor customer service. I am the one who registered and paid for my mum’s membership, but Medibank still required my elderly mum for my mum (who doesn’t speak English and lives in Vietnam) to fill out an English form and send an authorisation email for $48.89 refund. It’s so ridiculous. I even offered to show proof of all the payments from my own bank account, but they refused to help. This process is extremely unreasonable and frustrating. Show details

Very disappointed with Medibank. Their “6 weeks free + 6 weeks free after 12 months” promotion is completely misleading. You’re led to believe you’ll get a total of 12 free weeks, but in reality, you’re still paying during this period — it’s just structured differently. It’s not free at all, and the way it’s advertised feels intentionally… Read more

confusing.

It’s frustrating to see such a large company use this kind of marketing tactic to keep making money from loyal customers. The wording should be changed to something more honest, as it gives false expectations. Overall, I’m very unhappy with the experience and would not recommend Medibank based on how this promotion was handled.

Medibank make it impossible to cancel your insurance coverage without calling and speaking to a person, which they've also made increasingly difficult to do. They could make it easy by allowing the option inside the members' online portal, but why provide good service for people when you can put up profit-maximising roadblocks instead? Show details