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.
- Verified customer
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.
- Verified customer
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!
Teachers Health Fund is the best
I have been a member of Teachers Health since 1986 and I love being a member as it is the best health insurance around. I am proud to be a member of an award winning, low cost health insurance provider that consistently keeps premium increases to a minimum and which actively seeks feedback from its members to enhance the services it is able to offer. I especially love that when I compare Teachers Health Fund to other funds it always comes out superior. I am also proud to be a member when practitioners who use Hicaps comment about how generous m...y rebate is. I love the THF app, as it is user friendly as well as being easy to make claims online and track my claims history. I always recommend this fund to my fellow colleagues and I have even convinced teachers to join Teachers Health.
Responsive and friendly
Easy to set up the policy and to claim.
Things were explained to me in simple terms and the policy was tailored for my needs.
It's great to be part of a not-for-profit, member owned, community based fund.
Health fund staff sound like robot, do not understand a logic
have tried to put my policy on hold till the Covid -19 situation will ease and go out to chiro or dentist, but staff over the phone (hanna) could not understand this and asking to do telephone conference with my chiro or dentist. she just follow the script they have given her. the only way to suspend the premium is to have lost of income, how about not been able to go out because of the social distance restriction?rota I am suffering from respiratory illness and expose to any virus could kill me, but she can,t understand it at all. how ungreathfull this health fund is
I feel like making a mental health claim after dealing with Teachers Health
I have been a member for many years and make very few claims. When I do make a claim my experience is the same. Hicaps does not work. Phone app does not work and on it goes. Really! Paying top dollar for a very poor service
I was informed by Teachers Health Fund my claim was denied & I had to go back to the doctor because the provider number on the form was hand written instead of being stamped. In the middle of a covid- 19 pandemic I have to go back to the doctor, stop him from seeing patients that really need to see him & expose myself in an unhealthy environment all for the sake of a stamp.
Reasonable value but service just about non existent.
Because private health is in what is known as a death spiral becoming increasingly unattainable due to excessive price increases, people are leaving in droves. Still, apart from Mildura Health, Teachers looked to be still the best value in the market. At Just under $4000 for no excess full Hospital Gold Cover its hard to believe this is our annual premium.
The sales process was simple, but claiming was arduous, tiresome and extremely difficult.
Dealing with recalcitrant staff that didn't know the rules, massive wait times on the phone and no action until Ombudsman got involved.
My advice - look elsewhere.
Poor customer service and complaints system
I have been a member for over 40 years with top cover and very few claims. Overall I don't feel it's very good value for money for the few services like physio and dental that I occasionally claim. But my real complaint is with the lack of adequate customer service and complaint system. When I rang last week for the first time in many years with a fairly simple but important question, it took 70 minutes to speak to a representative who put me on hold twice. After waiting another 20 minutes she could not answer my question so I requested a ...call back from a supervisor. Three business days later I had not received a return call so I logged the query and a complaint online only to discover after entering the details that I could expect to wait eight days for a response. So I called again and waited another 35 minutes to get a call back. The representative said he was unable to connect me to a supervisor and said he would log the complaint but there was no way of knowing how long it would take to get a response. I still haven't heard back. I thought every business was required to have a timely complaints system but it seems not. Time to get a new provider.
Poor service, sales answers immediately "claims" over 21 minutes and callback went to voice mail
Held on for 21 Minutes then asked for a callback. Callback somehow went to voicemail rang again and mistakenly pressed sales they answered within 10 seconds now back in callback queue.
Tried the website looking for a dentistry claim cannot view unpaid but received claims. They have sent us an email re hospital linked to dentistry claim saying they need the dental surgeon's invoice. We cannot see that communication (email ) in their correspondence tab. No Chat facility... Really this organisation needs to start using technology appropriately.
long phone call times
Teachers H F in the past has always provided excellent customer service and reasonable value for money.
However recently it takes forever to talk to someone on the phone...no matter what time of day you call.
I have used the option of a call back when nearing the front of the queue, and no one calls back.
Really not good enough.
Cannot communicate with them!
It takes 30 minutes to half an hour to speak to someone. Today the receptionist hung up because it was a bad line. Don’t bother emailing them. They don’t answer them either.
What a pain to claim
The website makes it very difficult to claim, which is very frustrating. It should be an easy process as the collection of my money is an easy process!! You would think that preventative skin cancer treatments would be covered, but no. A metvix red light treatment is not covered.
Questions & Answers
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.
Teachers H.Teachers Health Fund
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
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