After being a member for Nine years and what help do you get ZERO
For 8 years I was a very happy loyal Peoplecare customer never had an issue and had ‘Gold’ membership cover
However it seems there are two parts to the membership and I have now found out I have ‘Gold’ extras but I am not a gold member and am not covered for one of the main surgeries I was wanting to get done, this was changed in legislation 4 months ago, so I have called to see if I could upgrade my cover however would the waiting periods apply considering I had been a ‘Gold’ member for 9 years and I was abruptly told that I fact no the waiti...
Would not recommend Peoplecare to anyone based on my experiences
I knew I had to get major dental work done. Before I got the work done, I contacted Peoplecare to confirm I was covered / hadn't exceeded any relevant limits. I was told I was covered for a large portion up to a certain amount. I got the work done and submitted the claim at the end of April 2019. When we didn't hear anything back, I followed up in mid-late May 2019, and was told over the phone that the claim was denied on 2 May 2019 because a limit was exceeded. I still haven't received any written notification or reasons. We will be disputin...g any denial of a claim with the PHIO if not resolved with Peoplecare. On a broader note, we also requested a Member Benefit Statement from Peoplecare back in April 2019. Going through it, we realised we were paying Peoplecare thousands of dollars in Provider Fees, and not even receiving half of that back through Total Benefits. We have decided to shop around, and have been pleasantly surprised by what's on offer out there. We are looking forward moving forward with a different fund, and putting Peoplecare behind us.
I have been with peoplecare for 33 coming to 34 years. I now have my child and husband with peoplecare. My policy payments are directed debit so payment is always made. Recently, my child has required an item that costs $1500. However upon calling peoplecare and going through nearly a week process of providing documents we were rejected for more help. Only being able to claim $200. After research and speaking to other companies, they offer more in return and willing to waive my waiting periods. Loyal members do not get looked after. Doesn’t matter if you’re 3 years or 30. They will put you through a process to be rejected in the end. You pay for insurance to get close to nothing in return. Poor effort Peoplecare.
- Verified customer
I have been a member with Peoplecare since 2011
I pay $341 a month I am a loyal member
I was diagnosed with kidney cancer and needed an urgent operation
I contacted Peoplecare directly and quoted them item numbers to confirm I was covered for these procedures.
I thought I would have peace of mind with Peoplecare that they will take care of my expenses, I had prepaid $5392 in surgical and hospital fees.
What did I get back from Peoplecare $322
I am very disapointed
Good at taking payment and that's about it
Paid my premiums for years without claiming a single item, payment method failed and when I called to rectify and pay up to date they told me my cover had been cancelled and my cover level was discontinued anyway so I would have to sign up and re-start waiting periods. An excellent opportunity to look for an alternative provider.
Raising premiums and less choices now
Even though customer service is generally good and friendly , really disappointed they have raised premiums again and now have cut further choices of hospital cover. They said the intermediate cover may come back with different benefits. The sad part is we have no say in anything about this regardless of your family or individual situation.
Have been with them for only 1 yr and within a few months needed 7 of my sons teeth removed in hospital. They were extremely helpful. Have always found very little waiting time on the phone and they even reissued my reward bonus when I failed to activate it. Thanks George for the great service. I love the way they don't force you to do everything online!! We have basic cover but still peace of mind, in fact the price I paid with my old fund when swapping I was able to include basic extras. Now that's a bonus I never expected!! Seems onl...y the people who have problems seem to do reviews. I must admit getting this through took patience and persistence, I can see how you would give up unless you had a crappy experience, anger makes you more determined.
Excellent Health Insurance Product and Service
I've been a member of Peoplecare (and BHP Industry Fund predecessors) since Jan 1997. The policy has always been competitively priced and the customer service, including refunds, etc, exceptional. Previously I was with Medibank. Chalk and cheese.
Long Term customer - Poor service received Peoplecare are a joke
Staff are unhelpful and don't know how many people actually work for their organisation.
Get new staff they are crap and dont know how to deal with customers.
Spoke to a team member today to hold my membership whilst out of the country received verbal confirmation from the team member that I would not be charged today and the next fortnight. Surprise surprise I was charged sent an email to firstname.lastname@example.org @ 12.24pm no response then called the contact number and spoke to the most unhelpful person [name removed] who doesn't work for ...accounts yet tried to advise incorrect information. I have been asked to send my bank statement to them so they can confirm payment what an inconvenience Am currently looking for a new health insurer as this mob are useless pretty disappointed actually.
Poorcare, but they look great
I was with BUPA overseas after many years wth HCF in Sydney. I thought the look and feel of Peoplecare was attractive. Very approachable, good people with good intentions. That's all marketing. Fantastic marketing. When it comes to the nitty gritty of what you get - it's a complete rip off. Beware the waiting periods. Where are they disclosed? Up front like the friendly casual look and feel? Nope. And I've never ever experienced waiting periods like these guys - astonishing. I just wanted to claim cover for getting some glasses and a regular check up at the dentist. Nope.
Rude, condescending, deceiving, have to follow up with claims, or else they don't pay.
When I first signed up with Peoplecare 'Hospital and Extras' it cost me more than $2000/year, they were more than willing to answer my questions and return calls with my 'LHC' inquiries.
There were times for them to pay a claim, simply wasn't as straight forward as other insurers, which can be time consuming to have to prove to them payments were not received, and this back and forth stuff can get too much, they are not apologetic when they make mistakes, and if anything they are defensive!
A month ago I decided to change over from 'Hospital...
I bought extra health cover from them before, they were pretty good with customer service and claim. Was happy with them. I didn't feel I needed the extra cover, so I cancelled it, and they helped me with the cancellation straightaway. If I were to get extra health cover, I think I'd choose them again.
Good while it lasted - leaving today.
I've been with Peoplecare for about 5-6 years on their top hospital and extras. Paid many thousands over the years and claimed very little, but I felt secure knowing that if I did need a major claim I would be fine.
From the few claims I have made the process has mostly been painless and it is great to call and get a local person.
However, as with other health funds prices have gone up a lot since a couple of years ago, the latest increase quite steep. On top of that I have had my employment hours cut basically in half. I now rely largel...y on Government benefit to pay rent, food, etc... really hard currently, until my work picks up again in a few months. I called Peoplecare about a temporary suspension, BUT, I don't qualify unless I'm totally unemployed. Despite experiencing financial hardship under the pure definition I do not meet their definition/criteria. So I had to decide whether or not to forego my 2 shifts a week at work and become totally reliant on Centrelink in order to meet Peoplecare's criteria and therefore be granted a suspension, keeping all my served waiting periods etc... or be forced to totally cancel my membership and then in a few months join again (maybe not Peoplecare) and reserve all the waiting periods again? I have decided to cancel because I think it would be foolish and unfair to taxpayers for me to deliberately forego work and rely on Centrelink. Anyway, obviously Peoplecare have their reasons for such criteria, I suspect it might be to deter anyone trying to exploit them in some way, although I can't think how right now. Nonetheless, I now feel I have wasted thousands of dollars over many years and I certainly don't feel like Peoplecare actually do care.
I can't complain...
We have been with them since 2012. During this time, we had 2 child births plus couple of other claims. All our claims were promptly settled. Compared to what we paid in 2012, we now pay $1000 more. I think it is the case with all health funds out there. I still think they are quite reasonable compared to the service we received.
Just joined this fund a month ago to save some private fund cost and received a letter stating that my premiums will increase by 8.2% for the new year...this is $400 extra. The company is doing well with total equity up by 10.5% while cash flow is up 10.2% for the 2016 FY and so I am struggling to see the sense in the huge premium increase.
March 5th 2018 Update: Second consecutive huge premium increase OF 7.7%.
Last year I wrote about the 8.2% premium increase and got all sorts of explanations for that. This year my friendly premium incr...ease letter states that there will be a 7.7% premium increase. Last year the 8.2% increase was way over the average industry increase while this year it is about double. So, over the last 2 years then we are experiencing a total increase of 16.5% I wonder what the explanation for this hefty increase would be this time! I will certainly start looking around for quotes from other providers this time as the rate of premium increases, so far above the industry standard, is just not fair and acceptable for a health fund who makes strong financial returns.
Questions & Answers
If you have had private insurance for years with another company years I mean like 20 years plus do waiting periods apply when joining a new company? Thinking of going with people choice a non for profit company. Im with Medibank and get charged a fortune about $95 a month with 70% back.
Depends on the company. I know some companies dont make you sit through the waiting periods again however they do ask for your current details and member number etc to double check.
True Im certainly not signing up to a new one then having to wait two or three months to use anything and paying for it!
Peoplecare H.Peoplecare Health Insurance
Hi Chloe, thanks for getting in touch!
If you're transferring from another fund, Peoplecare will recognise any waiting periods you've already served if you switch to a similar level of cover within 30 days of leaving the other fund. If you'd like more info, please give us a buzz on 1800 808 708 or we can have one of our customer service experts give you a call and answer any questions you have!
Take care Monique @ Peoplecare
I am considering changing to your fund - I have been fully insured with my current insurer for over 30 years. We ran into an unexpected problem when they refused to cover tests in Emergency before admission. What is the policy at PeopleCare
Peoplecare H.Peoplecare Health Insurance
Thanks for getting in touch Steve. Sorry for the late response, we only just came across this one. Most funds don’t pay towards tests in emergency as the hospital considers you as an outpatient until you’re actually admitted as a patient. However, the hospital should be upfront with you about this and the fees involved. I hope this helps, please let us know if you have any more questions. If you’d like more info on our available covers PM us your details and I can have one of our Customer Service Experts contact you, or give us a buzz on 1800 808 700. Take care - Brooke @ Peoplecare
Hi what level of care is hip replacement covered...ty john.
Peoplecare H.Peoplecare Health Insurance
Hi John! Thanks for getting in touch. Hip replacements are covered under our Premium Hospital cover as a Private Patient in a Private Hospital. You would then also be covered for rehabilitation after your hospital stay. We’d be happy to chat to you further about this to make sure you have all the info you need before joining such as excess, out of pocket expenses and waiting periods.
Please give us a buzz on 1800 808 700 or private message us your details and a time and date that would suit you best and one of our experts would be happy to give you a buzz. Take care – Brooke @ Peoplecare
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