Kept trying to refuse hospital claims
I'd been a member for around three and a half years with top level cover when my wife went into hospital to give birth late last year. As I knew our child was going to be admitted after the birth I'd confirmed all the items needing to be done in advance. Not only did they then try to refuse claims for my child's admission but also for my wife herself.
Teachers Health is cheap, but rest assured you'll pay for this when you need the insurance most with the difficulty they put you through. Do what I did, go somewhere else.
Unreliable in an emergency
I am extremely disappointed in this fund which I joined in July last year. I am currently in hospital having arrived via emergency department due to a fall and resulting in a badly broken wrist. I gave my fund details and a surgeon was booked to do the surgery this afternoon. I have just been informed that unless the doctor fills in paperwork proving it is not a pre existing condition I will not be covered. How can an accidental fall be pre-existing? What is the point of having Gold hospital cover if, when you are in pain and need immediate as...sistance it is worthless? I will be cancelling my hospital and extras cover as soon as I am out of hospital. I would do this immediately if I was actually able to get through on the phone. The waiting times are truly ridiculous, as is the reliability of this fund.
I have been paying my premium promptly however the day before my surgery teachers health calls me saying that my cover has ran out. I had already paid however because it takes 3 days to get to them they said I wasn’t covered. I got no warning and they had no options for me as far as lodging my claim later. It’s just so stressful especially taking time off work to have surgery only to be told I’m not covered. I felt they didn’t care at all!
Difficult to do business with
Final straw came today, not accepting my gym claim.
Can ever get hold of anyone via the phone, claims take a month of sundays to process, and it’s not Even school holidays, getting into member on line is a nightmare. Understand security, but not even a superannuation company has so many hurdles. And now, my gym claim was rejected even though it has my name on the transactions list. Other funds have accepted it. So this will be good bye this weekend.
They removed me from my cover without notice
I am a domestic violence victim. I was on the same policy as my ex with teachers health. I have paid half of the total premium until end of the financial year.
I was told that I am removed from the policy and the payment that I contributed could not be retrieved. They told me to hire a lawyer to ask for my premium from my abusive ex.
There is no empathy from this company. They are helpers of the domestic violence prosecutor!
It is disappointing that they don't alert you before they deduct the premium from your account.
I ended up in severe financial hardship because they deducted a quarterly fee after I had changed to fortnightly, knowing I wouldn't have enough money to pay my mortgage and car repayments for the week/month. They promised to reimburse the money, but it would take 5 business days (which meant I had to borrow money to cover the mortgage and car repayments for the week, putting me into further financial crisis).
Impossible to contact
Been a member for 20 years. Currently paying for top hospital and extras @ $550 per month. Going up April 1. I've spent two days trying to contact them by phone only to get automated messages telling me they are so busy and I am so important.
Requested 2 callbacks both times I answered to be put on hold and treated to some elevator music. No thanks. Teachers health won't be getting anymore of my money. I'm changing to one of several funds that are cheaper and actually have a policy of service first. Goodbye and good riddance.
Frustrating!!! Takes so long to respond to queries ...what is covered is confusing...I thought this was a health fund that looked after its members That has certainly not been the case..
Waist of time
Always put on hold 20 minutes at a time, don't throw your money away on this fund. Both my daughters have cancelled their policy after being with them for 30 years. Very poor service, staff only help if they feel like it.
Great coverage and affordable prices compared to the more popular insurances
I am part of the Uni health insurance which is owned by Teacher's health. I would say the prices and claims for hospitals and extras are straight forward and have been paid immediately. No hassle at all. Been with them for about 4 years.
In my experience, this fund doesn't let people get in the way of profit
I have lodged a claim for a non-pbs medical supply. The extras policy states there is a benefit allowance for this purpose, but of course when lodged my claim is denied. The reason? Oh we don't pay those type of claims because blah blah blah.. usual spin and deflective response. These guys (and, let's be honest, most if not all of them) operate as cowboys and make up there own rules as they see fit because there is NO INDUSTRY REGULATION! The private health sector must have a regulator to hold the operators to account. The market will always pu...t profits before people, to say otherwise is to lie. I am still fighting with these XXXXX about my claim, I will take it as far as I need to. In my experience this fund does everything it can to avoid paying claims and I would advise everyone considering this fund to stay well away. They may say they're not for profit, but that doesn't mean they aren't driven by the profit imperative. Again, my experience with this fund leads me to say stay away from these clowns.
FUND NO MORE
Well as from 8 June, assume many satisfied TH fund members will need to change funds due to new healthscope agreements..NOT!! I have been with this fund many long years!! More worrying is trying to find immediate hospital cover for elderly parents.
First rate service!
I joined Teacher's Health after leaving another fund and I was expecting a massive hassle; the consultant I dealt with was able to get me the same cover for less with no drama, and was welcoming, helpful, and professional. I used a service already, and it was really easy to lodge the claim online through the app. I couldn't rate the whole experience with them higher!
They've really gone downhill
The communication from Teachers Health has become patchwork - they say one thing, do another, one person doesn't take on a query from start to finish, so you'll get different versions of what will happen. You *never* get an apology. We are about to take our PHI elsewhere because after 10 years with them, this year I have been jumping through hoops.
After 4.5 years, I finally left.
[UPDATE 26/5/20: Since writing the review below, I have continued to have a poor experience through a new and final claim. I submitted all required documentation for a pregnancy physio session I attended at my hospital which was an itemised, separate service to my antenatal course. TH today has rejected that physio session because ‘the benefit for your Antenatal class has been previously paid’. I am now waiting on hold again to discuss this with TH. I cannot believe how difficult it is to claim from TH!] Where do I begin? There are so many poo...r experiences. Over the last 4.5 years with TH, I can count on at least two hands the amount of times I’ve wanted to cancel and move to a new fund and finally have! Here are the most recent examples (in the last 5 weeks in respect of 3 separate instances). 1. TH rejected my claim for an antenatal class I attended with a midwife at my hospital. I submitted the receipt and a personalised verification letter from the hospital on official letterhead stating the midwife’s registration number which she signed. As a midwife, she didn’t have a provider number so there was no provider stamp and I presume this is why TH’s policy states the receipt ‘must be on official letterhead OR stamped with a provider stamp’. TH rejected the claim. The first guy I spoke to said I needed a provider stamp. The second guy said I needed to go back to the hospital have the midwife’s registration number typed and even said the midwife’s signature was more of a squiggle than a signature. What do I do about that? 2. Two weeks ago, I put in a healthy lifestyle claim for a recognised program I had joined (recognised earlier by TH’s customer service team and also on the TH website), however that claim was rejected because (and I quote) it ‘isn’t a recognised program’. Again, I had to call TH, wait to speak to someone and tell them to check their website as the program I was claiming for is actually specified on it! I finally got that claim approved after the girl simply checked the website. 3. Literally two weeks earlier than that, I called and asked about cancellation which was the extent of that conversation. Then I call back a week later to find out about which healthy lifestyle program I could join under their policy, and I’m told my membership had been cancelled based on the discussion the week before. The girl said she had to go back and listen to the conversation I had had with them and would then call me back. She called me back saying my membership had now been restored and apologised. The list goes on. What a joke.
Absolutely love my health insurance
Have been a member of teacher health for a couple years now, me and my family really love it, I’ve been told by a few companies that I have one of the best coverages when it comes to out of pocket cost.
Make the change today - you won’t look back!
After 20 yrs with HCF I swapped to Teachers Health 12 yrs ago. I’ve found the fund to be great value. Membership team always helpful. Dental & Eyecare are both fantastic. Make the change today.
Same level of health cover for much less money
After many years with Bupa I chose to move to Teachers Health Fund. While I already had a very good deal at Bupa for top Hospital and Health Cover, Teachers Health were able to provide the same level of cover and save me $1,209 per annum in premium.
I have been a member of Teachers for 8 years and while the speed of service isn't always to my liking they do what they can to get a favourable outcome for their members. We have by far and away claimed more than we pay and with all the uncertainty going on at the moment it's nice to know I am with a fund that isn't making decisions based on what maximises returns for their shareholders, but rather what is best for their ENTIRE member base. Not just the individuals who kick up a stink about what they feel is an injustice.
Easy transfer, great value and service
I recently transferred from Medibank to Teachers Health Fund because the coverage and value was far more superior. Switching funds was a smooth and hassle-free process, which the friendly THF staff assisted with. I have had no issues making claims and am glad I made the switch. Thank you THF!
Questions & Answers
Is it possible to fill in a claim form online, without printing out the claim form?
Thanks for your comment.
Were sorry for this inconvenience but you can make claims via our app. Please see below for more information.
Please let me know If you have any other questions.
Thank you – Ben
Hi I am a teacher and looking at transferring from Medibank Private where I have been for over 30 years to THF, however there seems to be so many negative comments in the reviews. This is not real reassuring when you are about the change cover from a fund you have been in for many years.
Has anyone switched from Bupa (Advantage Hospital/Silver extras) to the Teachers Health Fund? I've tried previously to compare the two but it's a very complicated task. Bupa is costing me a packet. I'm a teacher, so I could do this move.
I am unable to offer anything about Bupa, sorry. I have compared one or two other funds with the intention of moving to another fund, but owing to having built up loyalty benefits for years' of service, with higher benefits paid to me if the need arose, I would lose these higher benefits if I was to leave Teachers Health.
We can help compare your current health product with an equivalent Teachers Health product. We will provide you with a personalised, side-by-side comparison of the cost and benefits from each product. Just fill in this form on our website: https://www.teachershealth.com.au/compare
Much appreciated both respondents here. Thank you!
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