2,375 reviews
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AI reviews summary
Teachers Health Fund receives high praise for its customer service, with members frequently highlighting the professionalism and helpfulness of phone-based consultants. Long-term loyalty is a significant theme, as many members have remained with the fund for several decades, citing competitive premiums and better-than-average rebates compared to other providers. While the overall sentiment is overwhelmingly positive, some recurring issues regarding claim processing and digital transitions have been noted.
Pros
- Exceptional Customer Service: Staff are consistently described as knowledgeable, patient, and empathetic. Consultants often go beyond answering basic queries by providing proactive advice on how to reduce out-of-pocket expenses and navigate hospital gap schemes.
- Strong Value and Competitive Rebates: Members frequently report saving significant amounts on premiums when switching from major competitors, while also receiving higher rebates for services like dental and surgery.
- Ease of Switching and Onboarding: The process of joining or transferring from another fund is described as seamless and stress-free, with staff providing clear side-by-side comparisons to assist in decision-making.
- Responsive Support for Surgery: When members call to verify coverage for upcoming procedures, they receive detailed information, follow-up emails with guides, and specific questions to ask their medical providers.
Cons
- Claim Processing Issues: Some members have reported problems with claims being incorrectly rejected, cancelled without notification, or missed by automated AI systems, requiring manual intervention to resolve.
- Digital and App Glitches: There are reports of difficulties with the mobile app, including issues with digital cards, login errors on older devices, and a confusing automated phone menu.
- Lack of Loyalty Rewards: Despite many members having 40 to 60 years of tenure, there are complaints regarding a lack of financial incentives or premium discounts for long-term, low-claiming senior members.
- Communication Gaps: A few reports indicate that information regarding policy changes or bank detail updates was not always clearly communicated or actioned promptly.
Verdict
Teachers Health Fund is highly regarded for its human-centric customer service and superior value, making it a strong choice for those eligible in the education and health sectors. It is particularly effective for members navigating complex hospital procedures or seeking to reduce premiums without sacrificing coverage. However, members should be diligent in monitoring their claims history to ensure automated systems have processed them correctly.
Product Specialist Roger Ng was extremely helpful in making an easy comparison between my existing policy and a competitor. He was honest and could retrieve my details instantly. Show details
Samina was very helpful and always polite. We rang a number of times asking questions, she made us feel that it was perfectly okay to do so. My husband had her direct phone number which helped with no waiting. Show details
My claim was rejected. After speaking to an amazing service operator my claim was then accepted and money paid the following day. This created yet another issue which ended up being a mistake of me not updating financial details. Another 2 amazing operators helped me and that day it was all sorted. Show details
Reviews with attachments
First Class Response! – I was planning on cancelling my cover and taking up a cheaper option with another company that provided just about the same cover. I wasn't angry or anything, just seeking a better deal for what I was paying. I spoke with Hulya Kocak, and from the outset she was just the kindest, understanding and patient person to help me with my inquiry. She… Read more · 1
explained everything so clearly and took into account that there were lots of things I didn't understand as my late wife usually handled these things. She made me feel that it was okay to ask any questions which she cheerfully responded to. I did not have to push or ask for reductions or additions to my policy as she put them forward to me first. If anything, she offered far more than what I expected and was clearly sorting out the best deal possible for me. I felt like I was talking to a real person instead of just someone doing a job. She was utterly magnificent and she made my day. I have just tested positive to Covid for the first time after being able to dodge it for 5 years, so I wasn't feeling great, but Hulya changed everything and put me in a better mindset. We have been long term customers of Teachers Health and I feel a level of loyalty to stay with them (which I have done) and my experience with Hulya today, and also Lachlan who I spoke with earlier has done nothing to make me want to leave. She is a credit to the organisation!!!
Under the veneer! – Pleasant approach and cooperative attention to detail from Sean. Thank you. Show details · 1
Pleasant and relieved my concern – I called to confirm my cover regarding concerns about an impending procedure. Racheli was most helpful in allying my concerns and providing additional information to ensure my understanding of my cover. Here manner was informative, supportive and wonderfully pleasant. Much obliged young Rachel Show details · 1
Totally seamless – Contacted TH and reached Deborah Colless one of your sale’s consultants - Deborah made the entire process of joining my sister up totally seamless. I was expecting a few hurdles but she helped us through every step of the way including helping her log in when she was having difficulty. I can’t recommend Teachers Health highly enough. Show details · 1
Terrible, terrible lack of service. Zero. Zilch. DO NOT JOIN - it's not worth it – I challenge you to ring and attempt to talk to a human. Apparently, they value our time. It is patently obvious that they do not. If you select the new member connection you will get straight through in less than a minute!!! If you select the existing member support - once you have signed up - forget talking to anyone. Try it for yourself! The… Read more
Teachers Health Fund should be reported here: https://www.ombudsman.gov.au/How-we-can-help/private-health-insurance You can't really complain about the service...because there is none! The complete lack of service of Teachers Health Fund is contemptuous. *Before you join, try giving them a call.* I challenge you! Try talking to a human. Remember for most of us we can not go to a store front. The only way of "immediately" contacting them is by phone. Well, good luck with that. Maybe you could try their "call back" service..well good luck with that too! It advises you to stay on the line until call back is confirmed...then instantly disconnects you without confirmation! And believe me -and many others- there is NO call back. EVER! Try using the app? Well, if you can log in. There is a reason that the app only gets 0.7 of star (remember you have to five a minimum of 1 star so it is not 1.7) Sometimes it logs in, but rarely. It always makes me use biometrics but then asks for the membership number and password - defeating the whole purpose of the biometrics. Both my banks trust my biometrics, not sure what is so special about Teachers Health Fund. It cant even remember the membership number so you then have to go and find it. I am convinced that this poor implementation of their app works in the favour of the fund as so many people (like me) just give up on trying to upload a claim. It must save them a lot of money. According to the Google Playstore, the app was last updated in 2021 so they are certainly in no rush to fix it. Get the password wrong a few times and they BAR your account. You have to *attempt* contact to unlock it. You cannot reset it with your email or phone but MUST call them. In effect there is NO-ONE to talk to and no way to log in. You can't do anything. There is NO service. I end how I began: I challenge you to ring and attempt to talk to a human. Apparently, they value our time. It is patently obvious that they do not.
Latest follow-ups
Helpful, warm and friendly.\blah blah for required 10 words alas Show details · 1
Follow-up · Excellent contact, wish I could recall his name, located in Bathurst. Actually had experience with my obscure Super issue!!!
I am in my first month cover with Teachers Health. Gold cover. I was promised they would match all my cover with previous Super company. Having… Read more
being 20 years with previous company I held Major dental cover of $1400 pa. Teachers quoted $1300 pa. I am willing to accept the $100 pa drop on this benefit. They are only honouring year 1 of my previous company which is $700 pa and the remaining $600 is subject to a 12 month wait period. Teachers Health are very avoidant at admitting the reason for this lower amount, persistently referring me back to previous company and stating it is the previous company’s clearance certificate stating the lower amount. This is untrue as the clearance certificate states no $ amount. All $ amounts are found on the internal super site initiated by Government to support consumers swapping super companies. I have spent hours talking on the phone and in person. Currently in process of complaints procedure and possibly Ombudsman investigation.
Follow-up · Teachers health have refused to waive the waiting period despite evidence of my 20 year membership on Gold cover with BUPA. They instruct me to contact BUPA (again) to obtain evidence, despite it being their responsibility under the transfer process. It has been most frustrating and has had a very negative effect on my mental health. I accept they have won I do not have the energy to fight the system.
Follow-up · Following an Ombudsman intervention Teachers Health now claim it is impossible for them to remove the waiting period shown on their App. And say ‘if you submit a claim manually we will assess it for payment. It took an Ombudsman complaint before… Read more
Hi Stephen, thanks so much for taking the time to… Read more
Full credit to Sandy for a complete explanation of the Policy I have selected and for answering all questions I submitted to her. Thankyou very much, Sandy. Show details · 1
Follow-up · Seamless transition from my previous Health Fund.
In-depth reviews
I had been seriously considering cancelling my cover due to the increasing financial pressure on my family, but my recent experience completely changed that. I spoke with Viki from Teachers Federation Health, and her service was nothing short of exceptional. From the moment the conversation started, it felt genuinely personalised—she took the… Read more · 1
time to understand my situation and what mattered most to me, rather than offering a one-size-fits-all response.
What really stood out was her depth of knowledge. I came in with four different questions across various areas of my policy, and Viki was able to confidently answer every single one without needing to transfer me to another department. That level of expertise made the whole process seamless and incredibly reassuring.
More importantly, i felt that her goal was not to just try to retain me as a customer but she actually presented real, practical options that could ease the financial strain on my family while still maintaining the level of care we need. It felt like she genuinely cared about finding the right solution for us, not just ticking a box.
Thanks to Viki’s professionalism, empathy, and knowledge, I not only decided to keep my cover but also feel much more confident that I’m with the right provider. Truly outstanding service.
Find out how Teachers Health Fund compares to other Health Insurance
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Lodged a claim for a blood pressure monitor. I copped a written lecture about how to claim and what brands etc.. I didn't need that, it was all there. The pharmacy receipt for the monitor included my doctor's name, my doctor's provider number and my doctor's referral number for the purchase. It was replacing one that I purchased 5 years ago which… Read more
finally "died." To play it safe I put a copy of the blood pressure medication script to confirm my doctor's name and provider number as detailed on the pharmacy receipt and his actual signature. But no, not good enough. Go back, pay my doctor's consult fee of $105 oops no, $150 - a long consult will be needed and get him to complete a form; to confirm that a blood pressure monitor is needed to help manage my health/improve a specific medical condition. I am lost for words. His referral and provider number were on the pharmacy receipt. Why the hell would anyone buy a blood pressure monitor for any other reason than to monitor blood pressure? What are the ramifications of not monitoring blood pressure? Severe; expensive; deadly. A zillion emails and gotten nowhere. The first health fund I have encountered that doesn't give a damn about proactive health management. A doctor's provider number, referral number and the doctor's name and address aren't good enough. Spend $150 to get back $40. Yep makes sense. Just as much sense as not monitoring my blood pressure. Which appears to be Teacher's Health approach.
Hi there, we're sorry to hear about your recent… Read more (+1 reply)
My wife had a surgery at westmead private on 14th December 2024. Because it was a emergency we paid up-front all the costs. On 10th July I went to Parramatta office to claim refund. The lady at the counter advised that I should go to Westmead private and get a form HC21. Next day on 11th I along with my wife went to West mead and were told that… Read more · 1
they can not provide that because you were self funded even though the hospital had our health fund details which were provided in the form. we requested her to show us our form, which she printed and we showed her all the details on the form. Disappointed we went back to Parramatta, as I was explaining to the lady at the counter, Sam Naidu came forward to help us. She contacted the hospital which kept on transfering the call from one person to other, after quite a while got the right person and explained the situation to them. Sam was able to convince them that they had made a mistake by pointing out that their invoice had the health fund's number which they have ignored. We were told that westmead hospital would send a form via email to my wife which after signing she returned immediately. We were told that this resolved matter would settled in a day or two. Sam Naidu was very courteous and helpful she remained very calm and professional throughout this process. Without her help I would not have been able to get straight answer. I wish her best.
Positive reviews
Ann was excellent; she helped me work through the best policy options for me and my life situation. Thank you very much for today; I feel confident in reaching out to Ann and Angie in the future when life changes. Show details
My husband Geoffrey Shearsby died on 24Jjune 2026 and I phoned to tell Teachers Health. Your representative was very caring and helpful and helped me negotiate all that had to be done. Today I have received my new card. Thank you. Show details
I asked lots of info..I dont have easy email and was able to verbally ask questions. She answered clearly.im having a parathroidectomy..I'm anxious about all paperwork on net..I am impressed as call taker confident. Got thru in a minutexc 2005 membership. I Show details
Negative reviews
Not worth paying $260 a month for. Had surgery to extract wisdom teeth, barely getting $700 back from a $3200 surgery cost. And can not claim any of the anaethestist. Better off saving your money and paying all out of pocket and paying the govt the extra tax. Teachers Health one of the most expensive premiums that gives you basically nothing back. About to cancel my Health Fund, over lining their profits. Show details
Hi Renee, thanks for sharing your experience with… Read more (+1 reply)
Since Covid , I have had only bad experiences : they refused to acknowledge any responsability for a information that was a missing and led us to take a decision that led to expenses that could have been avoided . They are not taking any invisible disability regarding a student dependent , and they did not warn the bank change I asked has not… Read more
been made, so I had to pay some fees . Hospital cover for the surgery was pretty ridiculous compared to the cost .
Hi Sydney, sorry to hear about your experience… Read more
I've been a Top Extras member for 23 years and would have given the Fund 5 stars for the first 12 years of membership. However, Teachers Health is now using AI to process claims and I recently spent 30 minutes with customer service agent, Stacey identifying 3 unprocessed claims over the last 6 months! Stacey was helpful and thorough in assisting… Read more
me (hooray for humans). These were legitimate claims not actioned because AI missed the mark. It is unacceptable for Fund members having to vet their own Claims History because the assessment process is flawed.
Hi Sam, Thank you for your incredible loyalty as… Read more
Recent reviews
Very happy with the assistance I received from Sandy today when switching across to teachers health fund. She explained everything thoroughly and was extra helpful with providing all information. Very happy with my experience and to be coming to teachers health! Show details
Find out how Teachers Health Fund compares to other Health Insurance
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Sandy helped me today and she was incredible. She helped reinstate a new membership for me, and very patiently spoke through the different levels of membership. She found deals for me that helped me and targeted my age and situation. I couldn't recemmend her more. Show details
I rang for information about 3 different areas of the Teachers Health Fund and Riaaan was excellent in all areas and answered my questions . He didn’t rush me and I left the call 100% satisfied . Many thanks . Show details
Fantastic service! Koshita was so helpful and thorough when I was setting up my health insurance. She communicated everything clearly, answered all my questions, and made the transition completely stress-free. I couldn't be happier with the support I received. Show details · 1
I cancelled my membership with Teachers Health Fund two days ago and then reinstated it today. I spoke to a different Product Specialist on each occasion, and both were exceptionally helpful, efficient, and friendly. They made the process quick and easy, and I really appreciated their excellent customer service. I had originally planned to switch… Read more · 1
to Medibank Private but later changed my mind. When I called to join Medibank, the service was satisfactory. However, when I called today to cancel my membership during the cooling-off period, my experience was very disappointing. I spent over 40 minutes on the phone without being able to complete the cancellation and was told someone would call me back by 12:00 pm. It is now 3:00 pm, and I still haven't received a call.
The contrast in customer service between the two organisations was significant. My experience with Teachers Health Fund was excellent, while my experience with Medibank Private left me feeling frustrated and disappointed.
I found Sean F an excellent consultant. He had great product knowledge and understood my needs. Sean helped me find the right cover without being pushy. Due to his efforts I am to remain with teachers health. Show details · 1
A great team at Techers Health. From the start, Robyn Richardson was a fountain of knowledge and also provided and easy to follow email with great suggestions. Thanks again, Robyn Show details · 1
I have been with Teachers Health for many years. They are a great company, especially over the past 5 years with several serious health issues I’ve had. Very easy to contact by phone when I’ve had a query about going to hospital or my policy, and I actually get to speak to REAL people who I have found to be very knowledgable, respectful and… Read more · 1
polite. Today was no exception and I was lucky enough to speak with Robyn Richardson who solved a concern I had and was absolutely delightful and very helpful. Thank you so much Robyn for your assurance, professionalism, information and time…..
Today I spoke with Roger re a change to my membership. Roger was knowledgeable, polite and patient with the request. Roger was readily able to facilitate the request to my satisfaction. Roger was very easy to communicate with. Show details · 1
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Hi Roo, Thank you for sharing your feedback. We… Read more