Cover for aged care parent - edited and updated from 1 star to 3 stars
***The below has now been rectified, although this took months to sort out, in the end I have a resolution.
One lady in particular was extremely helpful and managed to get to the root of the issue to and arranged a refund and got us on the correct cover***
In 2020 I enquired cover for my aged care parent who is on a bridging visa from the UK on a reciprocal Medicare card. we explained this to the sales consultant in store at Morley WA. We were sold a policy my parent was not allowed due to having a reciprocal Medicare at $260 a month due to LH...C and increasing to $300 a month! LHC doesn’t affect reciprocal Medicare as I later found out, and due to the age of my parent we should have only paid $80. Called today to enquire and we get told a completely different story, Medibank need to train their employees better, to handle requests better. We cannot get a straight answer from Medibank. Personally, I believe the Medibank staff are not trained enough. I am really unimpressed! If Medibank wish to resolve this, please offer me a refund as you have wasted enough of my time.
No support for members who have literally been with them their whole life.
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.
Not bad could be better
When corona first happened, and people were losing out on stuff, i contacted medibank
asking them to put my membership on hold because it was a pandemic we are in their was more important things. to attend to. I asked the consultant online if i put my membership on hold will my normal waiting times be effected. He said no & and reassured me will your 12 months will be finished in jan as usual.
Now that im back on medibank i look at my membership my 12 month waiting period has been extended to march. shambles .even waiting times now online are...
Pretty useless website when you need it
Have been with medibank for about 15 years. Often think of leaving. They have been fine about paying out for treatment, but I detest their website and the clumsyness and uselessness of it when most needed.
The latest annoyance is being on holiday for 2 months, suspending payments, and not being able to do the crucial thing of changing payment details online when credit card had to be stopped. Because of suspension I could not access the payment change details. I had to make a payment somehow as a payment due before suspension ended. So on the ...
Easy to join hard to leave
I joined extras policy but after considerations decided to cancel the policy.
I rang and argued with a staff member that I wanted to cancel the policy. After about 15 minutes of cross examining and questioning me and after I had to justify my wishes he finally gave up and accepted that I wished to leave and finally cancelled the policy. Quite offensive.
Easy to buy these policies but hard to cancel them.
Not too bad
So I've been with Medibank for a number of years. Overall I've been reasonably happy with their level of coverage - with the exception of Extras! I simply can't see why the customer can't elect to drop coverage on some of the extras they don't use so that they can increase coverage on the extras they do use!!! Frustrating!!
Recently changed Hbf to Medibank to get a better premium. similar policy including extras. However after making a phone call to find out why my waiting periods were not honoured - ( policy cert was not yet received) now I check in and I have a couple of new dates on waiting period, things I have had covered for over 20 years. Dreading the pbone call and 30 minute plus hold times.
when tranaferrrd from Bupa to Hbf 5 years ago, was a much better process.
Minimising politics over years
We have had an older policy for over 30 years. Medibank make changes and minimise our original benefits, but do not add any new benefits. When I question the minimisations it goes quiet or I am encouraged to change to a newer policy as ours does not exist anymore, but they have to honour it. Some customer support staff have advised us to keep our policy as the new ones do not compare and are not good. A friend in a similar situation has had legal advice that our original policy entitlement has to be honoured and minimising by Medibank is not appropriate.
Constant price increase. Looks like I will end up downgrading my policy or look elsewhere.
Constant price increase. Looks like I will end up downgrading my policy or look elsewhere.
My policy was $149 in 2012 today it is $289 come on.
I have not had any claims.
Continued annul Premium escalation
Thanks for the survey paper as it seems to apply to the employee's reasonable job. However the reason for me to review my policy was, I am an aged pensioner and not able to continue paying over $4500 per annum which added to the Government subsidy sends the policy to over $7000 per annum. The company's representative indicated a drop in premium cost for an excess to be carried by me eg first $500 of bill which when added to my premium is not any less expensive for the services. This is an obscene amount of money as an insurance premium! I am not going to pay this amount for the services, so I am looking to other companies that are not responsible to share holders that need a dividend with profit on share sales at my expense.
MEDIBANK customer of 5 years
The positives - when I had my babies, Medibank was great. Covered about $6k worth of pregnancy/hospital expenses with no dramas. Claims are always easy to process.
The negatives - they're just no good value any more. When I joined Medibank 5 years ago I was paying around $230 a month. For the exact same policy, it's just gone up to $380. It's a ludicrous regular increase - it went from $230 -> $255 -> $282 -> $311 -> $335 this year -$380.
I'm having a root canal with gum surgery (lucky me!) and so far from $2,600 in costs my benefits have...been a whopping $400. When I have the final surgery next week, of $1500, Medibank will pay $152. They said "If you go to a preferred member you'll get 70% back", but there are no preferred endodontic surgeons in my area! That was the final straw for me - having this insurance was meant to help manage these massive unexpected expenses. Instead, I'm having to find $400 a month for it to make basically NO impact when I need it most. I've moved funds and downgraded my hospital cover slightly, and I'm saving $170 a month and getting better value - on my upcoming surgery I'll get $400 back, which helps!
Offers for existing and loyal customers
I am sick of Companys with long standing customers not offering them discounts.
Medibank and of course others who advertise for new customers offering them discounts but not for any existing customers.
I have been a client since the beginning and I have not once been offered any incentives.
I am waiting to hear from them!!!!!!!!!!!
I will not hold my breath.
On the other hand I had a call from my electricity company asking me if I eas happy, when I told them I was shopping around they offerred a very nice discount. Now I am happy.
So come Medibank, you are making a very handsome profit offer us existing customers something?????
Decent health fund, although expensive.
I've been a member of Medibank for a year now, having switched to get the free Kindle (which never came), and as a result I got a month free instead.
Although I think Medibank are decent, I don't think they're that bad. A lot of negative reviews on here seem to be dishing them for things which the person wasn't covered under. It just shows how it pays to check these things, and it seems likely if they were with another health fund they would have gotten the same answer - we won't pay your claim because you haven't been paying for it! You wo...uldn't expect an insurance company to give you comprehensive cover if you crash your car if you have only been paying for 3rd party! Online system is easy to claim and pay bills (negatives about online system in cons). Easy(ish) to see what I was covered for. You get 100% back on optical up to your annual limits. Expensive (even with an 8% discount for working for a company who has a deal with these guys!), online system doesn't show you (well I have never found) what your $ balance is at the moment and exactly what you're covered for - have to go back and select cover to see this!
I never had any problems with them, their service was really good and they cover quite a lot. They just increase their fees and decrease the benefits.
fees constantly go up and benefits decrease
I was a member for about 6 years until February 2008 with no claims made and paid around $50 a week (single). All very well until I made a dental claim all up for just over $1000 for several visits over 3 months. One treatment was $300. I received $80 back and another was $280. I received NIL back (as they classed this as "major dental" and my cover was for "dental") I emailed them and they advised me to upgrade my membership! - I cancelled instead and went over to HBF!
On Line claim service
Pittance refunds for essentials/dental/extras
Questions & Answers
If I pay for 12month cover before the April 1st can I get it at the current rate rather than the rate from April 1st.
Generally you can. However please don’t hesitate to send us a private message so that we can check your premium for you. Thanks, Anna
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.
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
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.
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
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?
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,
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