??!
1 photo
Medibank Health Insurance

Medibank Health Insurance

1.5 from 756 reviews · View Statistics

Health Insurance Guide for 2020

The decision to take up private health insurance can be a very involved process, and the factors that go into your decision will be unique to you. Your first dip into the policy selection process can be pretty overwhelming, so this guide will help lay everything out for you as plainly as possible to get you on your way.

Read now

Reviews

  • Value for Money
    1.5 (102)
  • Transparency
    1.5 (83)
  • Customer Service
    1.7 (103)
  • Claim Resolution Time<1 week (10), 1-2 months (6), 3+ months (4), 2-4 weeks (4) and 1-2 weeks (3)
  • Claim ApprovedYes (13) · No (21)
Previous
Next
Cha

ChaPerth, WA

Claim is being two months and not paid

published

I am member and its been two months since the surgery .Medibank hasn't released funds to me .they wanted to check whether it was pre existing and didn't pay the hospital so I had to find funds and pay for the hospital until they investigate . They approved it ij 15 days and it has been nearly two months and they are not releasing funds to me. Customer service is horrible .no one is responding to my emails or fb messages in regard to holding funds .

Incentivised ReviewNo
Claim MadeYes
Plan CoverageHospital and extras
Coverage TypeCouple
Under 30Yes
See all answers
Mathew

MathewSouth East Queensland, QLD

  • 2 reviews

Very disappointed - reject my emergency hospital admission

published

I had a silver plus insurance (highest premium in the market) and still I trusted Medibank to support me and my family during a disaster situation in my life. But when I had a critical situation and had to be admitted, they rejected the admission and said I have a waiting period of 12 months (Mine was a non existing condition). Why then do we take insurance? They all are looting our money and trust..

Value for Money
Transparency
Customer Service
Incentivised ReviewNo
Claim MadeYes
Plan CoverageHospital and extras
Coverage TypeFamily
Under 30No
Claim DateNovember 2020
Claim ApprovedNo
See all answers
Katie P

Katie PUnincorporated, SA

  • 16 reviews
  • 12 likes

I dodged a bullet

published

I’m not a member, I was interested in becoming a member, but I’m glad I didn’t! I requested a callback a week ago, because I am interested in changing providers (changing to Medibank). I was interested in their Growing Family policy. It got to Thursday (yesterday) and I contacted them to request once again. No surprise, no callback once again.

I had my mind made up, they wouldn’t have even had to sell it to me, yet they lost me as a customer because they couldn’t call me back after I left my details.
That’s honestly the poorest customer service I’ve ever seen. I come here to make a review, and it seems like I’ve dodged a bullet!

Value for Money
Transparency
Customer Service
Incentivised ReviewNo
Claim MadeNo
Plan CoverageHospital and extras
Coverage TypeFamily
Under 30Yes
See all answers
1 comment
Medibank
MedibankMedibank

Hi Katie, I’m really sorry to read you didn’t receive a call back. If you’d like us to organise an agent to get in touch with you directly, please send us a private message with your details. Kindly, Jade

Health Insurance

Find out how Medibank Health Insurance compares to other Health Insurance

Know better, choose better.

Compare all

Horrendous service, misleading information provided and potentially a scam

published

I took an overseas visitor cover of 2 months, but I was forced to extend the cover manually (via phone) for a couple of months due to the pandemic as I got stuck in Australia. Medibank activated the direct debit without notifying me and continued to take payments even after I returned to my home country! I found out a few days ago that Medibank took 4 months worth of payments from my bank account. Even after I contacted customer service and asked to terminate the policy, debit attempts are still being made today. Unbelievable! The entire process lacked transparency and communication.

I strongly recommend against using this provider.

Incentivised ReviewNo
Claim MadeNo
Plan CoverageHospital Only
Coverage TypeSingle
Under 30No
See all answers
1 comment
Medibank
MedibankMedibank
Ihassan

IhassanSydney, NSW

  • 2 reviews

Most unhelpful customer support

published

I am regretting getting overseas medical insurance from them for my mother. Customer support is the worst I have ever seen in Australia. Absolutely terrible. The hasstle a person has to go through for a refund!

Incentivised ReviewNo
Claim MadeYes
Plan CoverageHospital and extras
Coverage TypeSingle
Under 30No
Claim Resolution Time<1 week
Claim DateNovember 2020
Claim ApprovedYes
See all answers
1 comment
Medibank
MedibankMedibank

Scammy $50 Cancellation fee and bad customer service

published
Incentivised ReviewNo
Claim MadeYes
Plan CoverageHospital and extras
Coverage TypeCouple
Under 30No
Claim Resolution Time<1 week
Claim ApprovedYes
See all answers
1 comment
Medibank
MedibankMedibank
Qamaram M.

Qamaram M.Perth, WA

Claim not processed in 1 year!

published

In August last year (2019), my 4yo daughter had a surgical procedure done for which the hospital directly sent the claims with relevant paper works to medibank. We just got a call from the hospital last week to our utmost surprise that they never heard back from medibank and all the expenses are still due. Its been 14 months!!!!!
After knowing this, i sent them email, still waiting for reply! Called them, they said they will look into this matter. Still waiting.
That is such a worst service ever, I would never recommend this to anyone.

Value for Money
Transparency
Customer Service
Incentivised ReviewNo
Claim MadeYes
Plan CoverageHospital and extras
Coverage TypeFamily
Under 30No
Claim Resolution Time3+ months
See all answers
1 comment
Medibank
MedibankMedibank

Hi there,
I am sorry to hear your hospital claim hasn't been paid. I just sent you a private message asking for a few more details.
Thanks,
Anna

Ben

Ben

  • 3 reviews
  • 1 like

Absolutely horrible experience.

published
Value for Money
Transparency
Customer Service
Incentivised ReviewNo
Claim MadeNo
Plan CoverageHospital and extras
Coverage TypeFamily
Under 30No
See all answers
1 comment
Medibank
MedibankMedibank
David

DavidSouth East Queensland, QLD

Great Customer Service

published

A guy buy the name of Eric called me as was requested he was brilliant he answered every question tat needed answered the policy he arranged suited me perfectly. if shopping around for a policy ask for Eric perfect solution.

Value for Money
Transparency
Customer Service
Incentivised ReviewNo
Claim MadeNo
Plan CoverageHospital and extras
Coverage TypeSingle
Under 30Yes
See all answers
1 comment
Medibank
MedibankMedibank

Hi David, thanks for your review. We're so glad Eric was able to help find the best cover for you! - Kindly, Jade

Health Insurance

Find out how Medibank Health Insurance compares to other Health Insurance

Know better, choose better.

Compare all
Rainbow

RainbowGreater Melbourne (Metropolitan), VIC

Poor customer service

published

I have been with medibank for a few years and never have a great experience with their customer service, but their offer of cover seems to suits me so I accept that anyways. Until today after contacting them to review my cover, their response makes me feel I am the one who needed them and they did not bother to be friendly at least, at the end they suggest me just to move to other provider, not even sorry. I am aware I have the right to question, comparing and reviewing my cover, but did not expect to be treated so invaluable. Maybe pandemic with people work from home affect their customer service quality, I don't know. Just thought I have to share this for the sake of customer rights.

Value for Money
Transparency
Customer Service
Incentivised ReviewNo
Claim MadeNo
Plan CoverageHospital and extras
Coverage TypeFamily
Under 30No
See all answers
1 comment
Medibank
MedibankMedibank

Not worth the premium paid...

published

Don't be fooled by what money you are entitled to claim on the app, said there was $650 available for dental work to find out that you only get to use a percentage of what's available.... For a $480 trip to the dentist they would only cover just over a $100??? What do you even pay for with these clowns ??? Save your money and time people LOOK ELSEWHERE !!

Value for Money
Transparency
Customer Service
Incentivised ReviewNo
Claim MadeNo
Plan CoverageHospital and extras
Coverage TypeFamily
Under 30No
See all answers
1 comment
Medibank
MedibankMedibank

Payments

published

Better check on your payments each month if you have direct debit with Medibank. Just found out that Medibank took 3 months worth of payments from my bank account. Lucky I checked. Had to change my direct debit to manual payment. Sorry Medibank. The trust has gone.

Incentivised ReviewNo
Claim MadeNo
Plan CoverageExtras Only
Coverage TypeCouple
Under 30No
See all answers
1 comment
Medibank
MedibankMedibank

Hi Edward, I’m so sorry you had 3 payments debited at once. I have just sent you a private message to look into this for you. – Kindly, Jade

No support for members who have literally been with them their whole life.

published

Unable to provide a good service for people that have been with the company for many years. Their websites don’t work properly and they didn’t give me what I actually needed and I didn’t realise as I assumed they had listened to me. Don’t assume anything. Don’t assume you will be supported. Whilst I don’t agree that 1.5 stars out of 5 is correct, they don’t deserve 5 stars.

Customer Service
Incentivised ReviewNo
Claim MadeNo
Plan CoverageHospital and extras
Coverage TypeSingle
Under 30No
See all answers
1 comment
Medibank
MedibankMedibank
Nadia Rizwan

Nadia RizwanSydney, NSW

  • Verified customer

Premium keeps increasing - not impressed

published

I joined Medibank in September 2018 with couple insurance, AUD 302.4 monthly. In April 2019, price goes up to AUD 315.85 and now they sent me notification of price up to AUD 331.35 from 1 October, so effectively in 2 years its AUD 28.95 increase which means 9.6% increase in two years. I am not impressed at all and considering alternatives.

Transparency
Incentivised ReviewNo
Claim MadeNo
Plan CoverageHospital and extras
Coverage TypeCouple
Under 30No
See all answers
1 comment
Medibank
MedibankMedibank
N.Rya

N.RyaSouth East Queensland, QLD

Gone when you need them most

published

Been with Medibank for 10 years. Just been diagnosed with bladder cancer at 34. Didn’t have this in my premium. Found out not even my hospital fees will be covered I feel worthless and demoralised.

Incentivised ReviewNo
Claim MadeNo
Plan CoverageHospital and extras
Coverage TypeSingle
Under 30No
See all answers
3 comments
Medibank
MedibankMedibank
N.Rya
N.Rya

How?

Medibank
MedibankMedibank
Health Insurance

Find out how Medibank Health Insurance compares to other Health Insurance

Know better, choose better.

Compare all
Kim Thoa B.

Kim Thoa B.

  • 5 reviews
  • 2 likes

Price increase and how they deal with Pandemic

published

This company is only good at premium increased, when ask for assistance during pandemic they offer to freeze account for 3 months, then there is a letter notification of premiumincreased!

Value for Money
Transparency
Customer Service
Incentivised ReviewNo
Claim MadeNo
Plan CoverageExtras Only
Coverage TypeCouple
Under 30No
See all answers
1 comment
Medibank
MedibankMedibank
Yulia S.

Yulia S.

  • 3 reviews
  • 9 likes

Price Increase

published

Medibank really!? You are increasing your premium as of 1st of October??? People are still jobless, on reduced pay etc and you are looking at making more money! Typical...greedy and only worried about profits

Value for Money
Transparency
Customer Service
Incentivised ReviewNo
Claim MadeNo
Plan CoverageHospital and extras
Coverage TypeCouple
Under 30No
See all answers
1 comment
Medibank
MedibankMedibank

Terrible Cover and Overcharged Premiums.

published

Overcharged my premiums for nearly two years and then refused to assist with any refund. Advised they never received correct paperwork even though it was provided. This was later acknowledged by them but they said they couldn't read it . Guess they still got my bank details correct though..

Value for Money
Transparency
Customer Service
Incentivised ReviewNo
Claim MadeNo
Plan CoverageHospital and extras
Coverage TypeSingle
Under 30No
See all answers
1 comment
Medibank
MedibankMedibank

Hi Anne,
I am sorry to read you were overcharged. I just sent you a private message asking for a few more details.
Thanks,
Anna

VGhil

VGhilGreater Melbourne (Inner), VIC

Misleading cheats

published

I have a bronze membership - with dental cover .
I had called up Medibank before my emergency visit to the dentist . They didn’t advise me on the caveats (i.e. in network dentist ) and I had to pay 500 dollars out of pocket for visiting a dentist near me . Medibank didn’t cover me, offer correct guidance or follow up. I am going to change my insurance cover ASAP .
Online Apologies do not make up for the loss and damage to a customer.
Had to spend hours while calling customer service and waiting for someone to respond

Value for Money
Transparency
Customer Service
Incentivised ReviewNo
Claim MadeYes
Plan CoverageHospital and extras
Coverage TypeSingle
Under 30No
Claim Resolution Time3+ months
Claim DateJuly 2020
Claim ApprovedNo
See all answers
1 comment
Medibank
MedibankMedibank

Hi there,
I am sorry you didn’t receive the benefit you expected. I just sent you a private message asking for a few more details.
Thanks,
Anna

Renee

ReneeMetropolitan Adelaide, SA

  • 3 reviews
  • 2 likes

Not worth the price and overall poor company service

published

Poor customer support and more expensive than other health funds. I had a surgery booked and served my waiting period as I had been with Medibank for almost 4 years prior. I had to cancel my surgery and have to serve another 12-month waiting period because i upgraded my hospital coverage. Definitely would not recommend.

Value for Money
Transparency
Customer Service
Incentivised ReviewNo
Claim MadeNo
Plan CoverageHospital and extras
Coverage TypeSingle
Under 30No
See all answers
1 comment
Medibank
MedibankMedibank

Hi Renee,
I am sorry you had to cancel your surgery. I just sent you a private message asking for a few more details.
Thanks,
Anna

Page 1 of 38

Questions & Answers

Hilda

Hildaasked

My husband has throat cancer. We can have the operation immediately if we pay the specialist $5000. Could we get any kind of medicare rebate on the amount as we are both elderly but in otherwise good health. My husband is in pain and the waiting list has lengthened due to the corona virus.

3 answers
chris tedbury
chris tedbury

Well I take it you don’t have private health cover, I did and was basically forced into public If your catagory1 like me they said we must do within 30 days perhaps sera a more sympathetic doctor and beg him to get to catorgy 1 they cannot watch him die

Medibank
MedibankMedibank

Hi Hilda,

Thanks for getting in touch. I just sent you a private message to see if there is anything we can do to help.

Please note, if your question was intended for Medicare please get in touch with Medicare at https://www.servicesaustralia.gov.au/individuals/contact-us.

Thanks,
Anna

Hilda
Hilda

Hi Anna, thank you for your message. The surgical team at John Hunter Hospital at Newcastle has taken care of my husband and he is down for surgery next Friday and it will be fully funded by Medicare. The relief for both of us has been dramatic. Hilda

Reddy

Reddyasked

Why do medibank doesn't have claims via email? It is always not possible for us to go to stores or post at this stage and submit our claims. It would help customers if you have some generic email to submit claims which other insurance companies offer like BUPA?

1 answer
Medibank
MedibankMedibank

Hi Reddy,
Thanks for your question. Most claims can be submitted via the My Medibank app.
If you need help accessing your online account, please don’t hesitate to send us a private message or contact our Contact Centre on 132 331 from 8 am to 8 pm Monday to Friday & Saturdays 9 am to 4 pm (AEST) for assistance. Thanks,
Anna

Manpreetmnu M.

Manpreetmnu M.asked

Do medibank pay 100% pathology expenses

1 answer
Medibank
MedibankMedibank

Hi Manpreetmnu,
I just sent you a private message so that we can look into that for you.
Thanks,
Anna

Get an answer from our members and Medibank representatives

Details

CategoryHealth Insurance
Other Insurance Types Offered Life, Pet and Travel

Visit official website

ProductReview.com.au has affiliate partnerships. These do not influence our content moderation policies in any way, though ProductReview.com.au may earn commissions for products/services purchased via affiliate links.