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Medibank Health Insurance
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People working in medibank only cares money! Disgusting!
Once you are a member it's hard to reach them, the waiting time takes hours and when someone pick up your call they just transfer you right away, many times, so frustrating and waste of time! When your not a member yet they are easy to reach, disgusting tactics! Money chaser!
People when you decided to get health insurance, please do your research first. Choose insurance company that has good customer service and care, with medibank company they just after your money! I paid so much for it and at the end these people gave me headaches!
Sham Priority Member
Our family have been with Medibank since 1990. Children were under our family plan and now they have their own family and their own healthcare though my husband and myself as a couple still fork out $504 per month for cover. We are in our 70s and hardly claim anything major all these years. We are never delinquent in payment though we may be late sometimes but always uptodate. Recently I had a dental clean and when I made payment it was declined. The invoice states pay by 9th November to cover from 10th May to 9th June. I made payment on ...
Read more9th May and in the afternoon of 10th May had my dental appointment. Payment was rejected. I called Medibank and they said it takes 3 days for payment to be processed although the Bank has already deducted payment from me and should already be in Medibank account. They should not be riding on the money. I thought it was against the law! So, I had to pay upfront and have now the inconvenience of making a claim with Medibank which is a cumbersome process. The lady who I spoke to said she will send me a form to claim and it is now two hours since our conversation and I still have not received anything. Sham priority membership. I frequently have calls from other Health Fund offering better plan and fees. I have resisted and stayed loyal. Not anymore. Time to move on.
Hi Wong,
Thank you for reaching out and I'm sorry to read of your experience....
Read more Without accessing your account, I can't be sure - but it sounds like you paid your invoice via BPAY? Unfortunately as BPAY is an external company, it does take them 3 working days to send the funds to Medibank - even though it's already been taken from your account. This information is specified on our invoice and also the BPAY website. If you've had a dental claim, the quickest way to lodge a claim is via our My Medibank portal. You can find further details at https://www.medibank.com.au/health-insurance/using-your-cover/claim/ If you require further assistance, please reply with your membership number, full name, date of birth and address - so we can assist. Kind regards, Cath
I have been with Medibank for almost 20 years and have never been non financial bar some late payments. I have had numerous calls from various other fund provider enticing me to move with them but I ...
Read morehave stayed loyal. I may be late but never owing or missing any month. I paid the invoice on the 9th which would cover me from the 10th. It is only a difference of a day and inspite of me calling your resolution team you refused to honour the payment. 20 years of paying premiums and not claiming for anything at all and this is what you get. I even asked if I could use my $200 credits I get from my gold advantage membership to defray the cost and the answer is no. It is my credits to use and I dont see why medibank is witholding what I have earned. If there is no concern or loyalty to customers, why would customers be loyal to Medibank.Hi Wong,
We can check your membership to see what happened with your payment. If the payment was made via BPAY it can take them up to 3 days to send it to Medibank. Unfortunately, we are not able to...
Read more speed this up on our end. Have you been able to since submit your claim? I have just sent you a private message requesting your details so we can assist further. Thanks, -Ane
no value for money
they list services and medical appliances on my policy that should be covered , and decline claims when lodged , for someone who pays top cover 600 dollars every 4 weeks, no value for money, look for another provider, I will me and my family . very deceiving insurance
Hi and I am sorry to hear about your experience. I have just sent you a message. Please reply with your details and we will be able to investigate this further. Thanks, -Ane
- 4 reviews
- 4 likes
Harsh people! a company only cares about money!!
If there is a 0 star, i would give it! I have been with Medibank all mylife for more then 20 years by now! policy it self is good and easy, but bigger problem is they only care about "money" at the end of the day, not "you" so if you are looking for a service provider who really cares about "you" then it's time to look else where! they are not who they use to be anymore!
Every problem is customers problem, I tried to pay my premium through Medibank App, and in the app says one amount, and when you put credit card details in charges a differen...
Read moret amount! and so i called the cutomer service, and the customer serivce person confrims that her computer shows that the amount I saw is correct, and she will have to look into why I was charged more! and later came back says there was an email sent out re premium has changed 12 month ago, and so what you see is not the right amount, so you have to pay according to information that is 12 month ago and not the latest information on your device!! And every conversation, with Medibank staff is the same result! "there is something wrong with the app, and so you will be charged according to the email 12 month ago", and not the laterest information that you see! I can accept the rate change first of all! but I can't accept that they don't charge according to laterest information provided by Medibank App, oh it's Medibank! and blaming customer for ringing back and express the unplasent expierence and unwilling to do anything to make up the lost of time, effort, energy to solve "THEIR PROBLEM" !! If any of you are experiencing same issue, i think people should class action re this problem!Hi Peter, again I apologise for your experience. I have just sent you a message about your case. Thanks, -Ane
Find out how Medibank Health Insurance compares to other Health Insurance
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- 2 reviews
Excellent claims app and customer service
Medibank claims were easy for an elderly traveller and the customer service was excellent. It would be good to have an approved provider network to reduce out-of-pocket costs (especially GPs).
Hi Dul, I would like to thank you for taking the time to pass through your lovely review and feedback. We are constantly working to improve our services, so your comments are greatly appreciated.
Kind Regards,
Neha
Medibank are robbing senior citizens blind !
My parents joined Medibank on 2005 and have been provided little to no help in spite of being on a top tier cover from day one ! They spend most of their time overseas and come to Australia for short periods of time, which they have mentioned to Medibank staff at their stores every time they go in to claim their rebates over the years, since they prefer to go into the store for a face to face chat as opposed to calling over the phone. The staff are patently untrained in offering any advise based on facts provided by the customer because at no p...
Read moreoint were my parents informed that they could ask for a suspension of their premiums during their time overseas in spite of going into their stores to submit their claims every time they visit Australia. Any decent health fund staff would at least explain this to a senior citizen AND especially to someone for whom English is a second language. It is more than obvious to me that Medibank are making a hefty profit off of senior citizens who are not familiar with their rights with regards to health funds and especially immigrants ! I had no idea that they this information was deliberately withheld from them until I decided to enquire about their premium suspension during Covid, due to which they could not come back to Australia as a result of the orders being closed. Initially Medibank told me that I would not be able to enquire on their behalf since I was not authorised to do so hence I waited until they managed to get back into Australia recently, after which I suggested that they go into Medibank Bondi Junction and ask for the suspension to be applied.... EXCEPT, the staff told them that they were not entitled to it, no explanations offered ! Hence I decided to go into the store the following day with my parents and even then, the first response from the same staff member was that my parents were not entitled to a suspension and with no explanations whatsoever, by which point I'd had enough of her avoidance tactics and had to insist on speaking to a manager who was working from a remote location and he eventually agreed to look into it and asked me to provide relevant details. I have since emailed the department of Home Affairs for my parents' travel Movement records so as not to give them any reason to knock back the request. However, I have also found out since, that Medibank have been giving them a rebate of only $120 on their opticals when the policy actually states $250 hence I asked my parents to go back to the store the following day to enquire as to why this was the case and once again, the same staff member had no answers, hence I asked my parents to go back in and request the staff member to give them her managers phone contact ( the one who had agreed to help me out with their Covid Suspension ) so that I could speak to someone who was interested in providing any answers because she clearly had no answers, on anything ! To my disbelief, her response was that he wasn't working on that day hence she couldn't give them his number ! I mean I have seen avoidance tactics from corporations but this really takes the cake especially since my parents are 83 years old and are forced to keep going back in to the store over and over again and beg for information which they should be entitled to without having to beg or grovel, especially since they have been loyal to Medibank for 17 years and that too, on a top cover ! Im already familiar with how pathetic they are at emailing customers back because I'm also trying to chase them up regarding an incorrect Life Time Cover Loading they charged me in 2016 when I first came to Australia and decided to join them and once again, the store staff was ignorant and made no effort to ask me relevant questions at all before determining on her own, that I was liable to pay a 34 % LHC loading and unfortunately I have been paying that ever since until I found out from my new fund who I joined recently, that Medibank had calculated my LHC incorrectly right at the start. The normal procedure when a new member decides to buy health cover for the first time, is to first and and foremost ask the customer for their travel movements ( especially when the customer has told them in no uncertain terms that they have travelled extensively before coming back to Australia and applying to join a health fund and that they have lived overseas since turning 30 years old )....and there is ONLY ONE CORRECT WAY to do this, i.e ask the customer to request a movement of travel records from the department of Home affairs, since its a complex calculation AND YET the staff at Medibank thought it appropriate to take the matter into her own hands and determine on the spot that I was liable for a 34% loading. Now that I can see Medibank for who they really are, it is very obvious to me that she deliberately misled me and chose not to do the due diligence as per government requirements - simply because she was clearly worried that I would have gone away and joined another fund, hence she stood to lose her commission/KPI on my sign up and instead of doing the right thing by me, she blatantly did the wrong thing and mislead me just for her the sake of her own commission/KPI ! Even if she felt she was capable of calculating my LHC without my travel movement records, the least she could have done was asked me the relevant questions regarding how long I had lived outside of Australia since turning 30, which is the basis of the LHC determination. And this is in spite of me clearly informing her that I had lived overseas most of my life even though I had been an Australian citizen for several years before moving overseas. Anyone who was even vaguely trained at their job in with a Health Fund provider would know the basics of the theory and if they DIDN'T know this then the least they should be trained to do is to call a manager over and ask them since I was in one of their biggest stores in Paramatta Westfield where they have several staff, including managers and she could have easily reached out to any of her colleagues to enquire, that is if she wanted to ! Medibank clearly set zero standards for their staff who obviously go into work just to make commissions and prop up their KPI's ! Ever since my current fund HBF informed me of the error in my LHC ( which has obviously been carrying forward over the years ), I have emailed Medibank regarding the error along with all my travel movement records and yet all I have received so far are automated replies from one of their no-reply email addresses. And even though the manager who has finally offered to look into my parents' Covid suspension issue, admitted to me that he wouldn't be able to help me with my LHC issue and that all he could do to help me was forward my emails onto the member enquiry team and yet I have already sent emails to that team as well cc'ed every other email address I could find on the Medibank website except all I have received back is an automated response from the no -reply email address with no mention of the issue I have raised ! This is clearly a tactic on their part to tire out their customers so they don't have any energy left and eventually get on with their busy lives since they are clearly aware that people need to hold down jobs in order to pay their extortion premiums (especially when they deliberately hike it up with an incorrect LHC of 34 % ) and hence can't keep pursuing them for their refunds - which is what keeps their coffers lined in the long run I reckon ! And yet my current fund, HBF managed to calculate my correct LHC loading within 1 week of my providing them with my travel movement records and refunded me the incorrect charges immediately. This is simply appalling behaviour from Medibank, on more than one occasion hence I am left with no doubt in my mind that these tactics are inbuilt and their staff are DELIBERATELY not trained properly to help customers, just so Medibank can make more profits and blame it on the ignorance of their staff ! I have had to contact the Health fund Ombudsman since, which will now require me to go down a massive rabbit hole in order to get any answers out of Medibank who seem to forget that regular people have to hold down jobs so that they can pay their extortion premiums and chase them in spite of that !Hi Priti,
I am terribly sorry to read about your parents’ and your experience with Medibank. I have just sent you a message – please reply with your details and we can investigate this further. ...
Read more Thanks, -Ane
- 3 reviews
- 5 likes
Member since mid 1970's
In the past two weeks I have emailed Medibank twice and have the copies. Simple query about dental cover advice as I want to change dentist after 57 years. No response even though the emails have been received. Copies can be supplied. This how a long term top cover client is treated.
Hi Gary,
Thank you for reaching out and I'm sorry to hear of your experience....
Read more I've sent you a private message, so that we can assist you directly. - Cath
Hello Cath, please contact me.
Kind regards
Gary.
Hi Gary, I have just responded to your message. Thanks, -Ane
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- 2 reviews
- 5 likes
3hrs on the phone and no resolution
I called to open a policy for my son. The sales person sent me details on how to add his Medicare details as her system wasn't letting her do it. It said I needed to register online but couldn't because he is under 16 years old. Then spent the next 2.5hrs going through different teams and no-one could resolve as I don't hold a policy with them. So the result was I couldn't open an online account and I also can't add Medicare for rebate. Cancelled the policy after 3hrs of hassle. Glad I didn't change myself over from NIB. Just going to pay the extra to put my son on my NIB policy. Saving money isn't worth it when you have so many issues just setting up a policy.
Hi Dominique,
Thank you for reaching out and I'm sorry to read of your experience....
Read more This definitely shouldn't have been handled this way and you should have been provided with a manual form, as members under 16 are unable to setup an online account. If you require any further assistance, please send through a message directly and we'd be happy to help. - Cath
Worst service you can expect any insurance provider.
too much money for too little service. I am a priority member and have been paying them for 20 years. I rang them regarding a bill that I need to pay had to wait for half an hr and then someone hung up on me. Second time the same issue. This is for a premium member not sure what happens to other clients. I am certainly looking to change my insurer.
Hi Azwer,
We are very sorry hear about your experience with Medibank contact center....
Read more We have sent you a private message to grab some details and assist you further. Kind Regards, NehaFind out how Medibank Health Insurance compares to other Health Insurance
Know better, choose better.
- 5 reviews
- 2 likes
Scary
I am apparently a priority member. After waiting more than an hour to talk to a priority member expert about an upcoming admission to hospital, a specific question about my cover was answered by " I assume....." and then a totally incorrect response - when I pointed out the error of the response the "expert" didn't know the answer - many more hours on hold over 2 weeks and 3 more "priority member experts" have still not been able to tell me if I have any cover for my procedure or complications. There is NO WAY of emailing with this company, phone calls are on hold for - in one case more than an hour and in all cases more than 15 minutes - I need my phone for work
THEY ARE THE SICK joke
Hi Sarah,
We are very sorry hear about your experience with Medibank in regards to the hospital admission information.
We have sent you a private message to grab some details and escalate this. ...
- Verified
Do not used Medibank Private!
I have been a loyal member of Medibank Private for over 15yrs, originally commencing as a corporate member.
I received absolutely no loyalty during my time & am still waiting over 1 month later for my policy to be closed & clearance to be sent to my new provider! Apparently there is an “it issue” which is holding things up.
In the meantime I am not being covered for any of my Dr appointments, due to Medibank error. I have followed up & spoken to several people and have got nowhere. I am a single parent & it is imperative that I am being cov...
Read moreered. I cannot afford to be paying the total bill for every appointment. Especially when I have paid all of my fees & it is their error! I also had surgery last year and my out of pocket expenses were ridiculous. This cover I was on was cover that was recommended to me by a Medibank representative Extremely unimpressed and disappointed, given how long I have been with them for. Should have moved on years ago!Hi Sam,
I’m sorry to hear about your experience....
Read more I’ve just you a private message to discuss this further. - Jay
- Verified
extremely hopeless company
Website is deliberately very confusing to avoid claims. Majority healthcare don't recognise Medibank, ended up paying bills myself. Took my 5 year old child to the emergency department and they refused to see her because they didn't recognise Medibank Insurance, told me I had to pay $500 to get her checked.
I paid close to 7k to Medibank and the hospital rejected to provide healthcare to my child in a time when I'm facing extreme poverty. This is a fraudulent company who will immediately start to ignore you once you've paid them. Do not spend your money on these people. I hope some Authority see's this message and investigates this company and shuts them down.
Hi Damian,
We are very sorry hear about your experience with Medibank and the out of pocket that you have received.
We have sent you a private message to grab some details and escalate this. ...
Find out how Medibank Health Insurance compares to other Health Insurance
Know better, choose better.
- 3 reviews
- 1 like
Terrible customer service and little transparency
I wanted to find out a very simple thing - how much can Medicare reimburse for an Osteopathy consultant ion.
I checked my extra policy and it simply said “fixed amount” without saying how much the fixed amount is. In other company they would simply display the amount in their brochures, but Medibank do not want you to find out this info.
I had to call, then of course the call centre is not open on Saturday after noon; so I decided to message via the App.
The guy refused to provide any useful information; keeps telling me my limit is $400 whi...
Read morech is not what I asked. Obviously he’s copying and pasting some useless information. He refused to tell me what the ‘fixed amount reimbursement’ is without a provider number, although the policy doesn’t differentiate between providers at all. The person in the end ignored me for 40 minutes, just not replying to my message anymore This is a waste of my time and I am on my way cancelling the service.
Hi Claire, I am very sorry to hear about your recent experience with obtaining a quote for your Osteopathy consultation.
We have sent you a private message to get some of your details and assist further with your enquiry. Thanks, -Ane
- 19 reviews
- 18 likes
Medibank Will Raise Your Blood Pressure
Needed an ambulance after a stroke - $1021 in WA and my Medibank policy covers this (at last!). Trying to claim online without a mobile phone with Medibank seemed impossible. I couldn't find a link to send electronic documents (PDFs) from a PC. I rang their 13 23 31 number to ask how and waited for about 45 minutes until they finally answered. No - you can't send documents via their website for "security reasons". You can bank, submit tax returns, JOIN and PAY for their insurance online but submitting an invoice can't be done in 2022? My guess ...
Read moreis because an email or online form would leave evidence that they received it. Posting it means they can ignore it and claim they never received it. They will only accept original documents too which raises my suspicions even more. I can see why so many people are abandoning private cover.Hi Deano, I’m sorry to hear you were on hold for an extended time when contacting us recently, and for any inconvenience in not being able to submit all claims online. This is being worked on and we p...
Read morelan to have more services available to claim online in the near future. I’ve just sent you a private message to grab some details and assist further. – Jade
- 2 reviews
- 3 likes
'Gabby' had one job to do which she couldnt.
So my mom just arrived and we got a health insurance for overseas traveller. Payment was done with my brother's credit card. While filling in the details, my brother made an error in my mom's DOB.
When we called the helpline they mentioned that this can be changed via mobile app. There is no such feature in it.
The second time this person 'Gabby' wanted authorisation. We put our mom on the phone and she was asked a question about benifit claim which my mom got a bit confused about. My mom asked her to explain. eGabby instead of explaining it,...
Read more she repeated the question word to word again this happened 4 to 5 times. She couldn't explain her question neither help my mom with it. She has one job to do literally. Help people. We are seeking a refund now. Please give your helpline people some proper training instead of telling them to read a bunch of questions from a paper with proper understanding and comprehension.Hi Maria,
I'm very sorry about your recent experience with us....
Read more I've sent you a private message so that we can further look into your enquiry. - MaryQuestions & Answers
Does Medibank Private cover Cataract surgery
They have several policies and they can vary depending on your age. I find most health insurance policies exclude things like cataract treatment once you reach an age where you're likely to need it. Y...
Read moreou can have it included, but of course the premium goes up steeply. It's debatable if it's better to simply save your money and pay for it if needed.Hi Joan,
Cataract surgery is included on some of our hospital policies. ...
Read more Our specialist team would be happy to help you find the right cover: You can get in touch with them through the Medibank website here: https://www.medibank.com.au/contact-us/. Or reach out to our contact centre on 132 331 from 8am to 8pm Monday to Friday & Saturdays 10am to 2pm (AEDT). - Jay
Medi bank is a scam fraudulent company, their policy will say they have cataract cover but at the bottom the fine print says they only cover for places that recognise medibank, and they dnt have many ...
Read moreplaces that u can claim back, in other words u will never get your choice of doctor. Even if u find a place, when it's time to lodge a claim, it is impossible to claim knline as they will ask u to send the original invoice to them by aus post in 2022. No original documents no claim. Their fake friendly staff will always forget to mention all these details, only focusing on making the policy sound legit. These guys robbed me n I hope it doesn't happen to you.
For most of the last 2 years we are paying full premiums, on top of that we copped it increase in premium charges and all of that when most of the time elective surgurgies are cancelled (this time untill April!). My reason for joining private health was to ensure all time access to so called "elective service". May I ask what is the point of paying all those premiums when they are not accessible? In emergency I will get help free of charge and will not end up with out of pocket expenses. Why Medibank does not look after existing/long term customers by at least offering them discount? As it is at the moment I am seriously contemplating to "drop out" from the "privladged" group who pays for empty beds
Hi Krystyna, thank you for your question. We are mindful of the current situation within health services. To assist I am sending a private message today, to gather a few details. Kind regards, the team at Medibank.
Victoria has offically been in lockdown over 245 days. I use my private health insurance for preventative medicine, not emergencies generally. I cannot tell you how many optical and dental appointments I have have had cancelled - therefore unabe to use my insurance when and with whom I want. Yet you still keep charging, in fact, increasing my policy. 'Nurse on call' is not going to cut it, especially to an ex nurse. A 3- day or so rebate was insulting. My gym membership stopped when it was unable to provide a service, why did health insurnace not do the same. And it is not the same as car and house insurance - I have been still been using them during lockdown.
Sorry can’t answer no lockdowns in WA
Chin up one day we will return to normal
Kathy B
Thanks Kathy - awesome answer!!!
Hi Pauline,
Thank you for contacting Medibank....
Read more We understand how stressful the COVID-19 pandemic has been for many members. For that reason, we have member support package options in place to assist eligible members through this difficult time. Please refer to https://www.medibank.com.au/health-insurance/info/coronavirus-update/member-support-package/ for more information or please don’t hesitate to send us a private message if you have any questions. Thanks so much, AnnaGet an answer from our members and Medibank representatives
Details
| Category | Health Insurance |
|---|---|
| Other Insurance Types Offered | Life, Pet and Travel |
- AHIFC: MBP
Extra Information
Contact info for Medibank Health Insurance
Great !!
Great Customer Service and easy to understand terms
5 Star Treatment.
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Hi Lucy and I am very sorry to read about your experience. We value our members, and I am sorry to hear that you haven’t been able to get in touch with us due to lengthy call waits.
We would really l...
Read moreike to help with any enquiries you may have. I have just sent you a private message requesting your details. Thanks, -Ane