AIA Health Insurance

Spoke to Joy and she was extremely helpful and knowledgeable, thanks to her I have been able to get my insurance sorted very promptly. Without her insight, I don't think I would have been able to get to a resolution so quickly. Show details

After 25 years with our previous insurer we were hesitant to make the switch but AIA had an appealing offer and Joy was a delight to deal with through the process. She really understood the product so we could build up the cover to the right level.… Read more

The Vitality is also an interesting addition where for the right behaviors we can receive a portion of our premiums refunded.

I was hesitant to sign up via a phone call and had requested to communicate via an email so I could see the differences visually however the email I got back from [Name Removed] was that either I call the number or sign up online, it felt very… Read more

dismissive. Thankfully I did call as I was paired up with [Name Removed] who was super helpful, broke down each step and offered genuine advice which I was happy to take on. I appreciate all her help as going through this process was something I wasn't exactly excited about but was necessary. Thank you [Name Removed], I appreciate your help through this process.

Had a first stage knee revision on the 3rd of June due to a chronic ongoing infection. I have silver plus cover and have served waiting periods. Been with AIA for 4 years. I phoned AIA prior to surgery and waited the normal 30 minutes on hold before someone answers. I informed them of the surgery and was told I was covered. If you wish to join… Read more

AIA that call will be answered immediately. After 6 days in hospital I went home. Apparently my cover has also extensive physiotherapy sadly in reality this was not allowed not sure why but gave up trying to access this. I have continued monitoring by an infectious disease specialist which is outside hospital admissions which isn’t covered which is fine. However AIA hasn’t paid the hospital bills 18 days after discharge which basically means my Medicare benefit rebate has stopped due to the infection disease specialist not been paid since 3rd of June. Basically this means my Medicare card is now void until AIA pays its bills. So out of a $210 specialist bill I will receive no Medicare rebate as AIA won’t pay the in hospital bill from the 3rd of June. I have a surgeon appointment next week he hasn’t been paid as yet. So I again won’t get a Medicare rebate. So far I am out of pocket $5300. Three days ago I received an accident hospital admission form from AIA. My knee is an infection which isn’t an accident claim, Work cover or a personal injury claim. It’s an infection from an unknown cause. This is just another attempt by AIA to delay payment. I returned this form immediately and as usual received no correspondence from AIA that they have received this form. As I realised this is a delaying tactic I phoned AIA after a 37 minute hold I spoke with a consultant who was able to confirm that they have received the form and he stated in the coming weeks my accounts will be paid by the claims department. He blamed me for not filling out the form the reason for delay when I enquired why this form wasn’t sent to me prior to the surgery or at hospital admission he stated I should ring prior to next surgery. I sadly have another surgery booked for 29th of July where the second stage revision will occur. I also have multiple appointments in coming weeks. I am frustrated that my Medicare card no longer gives rebates for my specialists appointments due to AIA not paying them. I am being financially penalised outside hospital as Medicare must pay the first date sequence before they pay me. It’s beyond frustrating. I am trying to save up for the pending surgery and the ongoing physio post surgery as it’s unlikely AIA will pay even though it’s is meant to be covered. The AIA consultants in my opinion are trained to minimise claims. The positive is the AIA vitality app is brilliant and the sales people are really good at selling the product. I am hopeful in the next month or so AIA will finalise my hospital bill and I will have a functioning Medicare card again. There sales pitch states 99% of accounts are paid within 5 days. I guess I must be unlucky either way it’s causing stress. It is unlikely Medicare will reimburse me as the claim will time out. I will then have to get invoices and attempt to submit manually which will take weeks for payment. I am not sure why I am being treated like this.

Outstanding service and expert guidance from Joy – I had the absolute pleasure of working with Joy Mead, and I can’t thank her enough for her outstanding service! She went above and beyond to help me choose the perfect healthcare plan that not only suits my needs but is also budget-friendly. Joy took the time to patiently explain all the options, breaking down the details in a way that made it… Read more

easy to understand.

What truly impressed me was her genuine care and dedication to ensuring I made the best decision for my situation. She listened carefully to my concerns, answered all my questions, and provided guidance that I felt confident trusting. It’s rare to find someone who is so professional yet so personable.

Thanks to Joy, I now have a healthcare plan that fits my budget without compromising on quality. The service she provided was exceptional, and I’m incredibly grateful for her expertise and support. Highly recommend reaching out to her for anyone needing help with their healthcare choices!

Great experience – I had the pleasure of working with an exceptional employee at AIA Health Insurance, and I couldn’t be more impressed with the level of service I received. From the moment I reached out, they made the entire process of applying for private health insurance seamless and straightforward. They took the time to explain all the options available,… Read more

patiently answered every question I had, and made sure I understood the details fully before moving forward.

What really stood out was their proactive approach—no question was too small, and they were always there to guide me every step of the way. What would typically be a daunting task was made incredibly easy and stress-free, thanks to their professionalism and dedication.

I truly felt supported throughout the entire process, and I would highly recommend AIA Health Insurance to anyone looking for personalized, thorough assistance with their health insurance needs. The employee went above and beyond, and I’m so grateful for your help Julio.

I got referred to Julio (AIA Health Insurance Specialist) from AIA Financial Services. He called me not just to explain what he could do for me but also to talk about Australian private health insurance more broadly. He is extremely knowledgable and he explained the policy and Vitality program extremely well. I am always reticent to change… Read more

providers because of the effort involved but he did it all for me over the phone very easily. I'm looking forward to being with AIA and am hoping it motivates me to be healther. Oh, and the policy was cheaper than my previous provider.

Amith was extremely knowledgeable, efficient and professional to deal with. The Policy was explained in simple terms and quick and easy to set up. Amith followed up via email to ensure I fully understood all actions and details that were required. Always an easy and fantastic experience dealing with AIA and all their representatives. Show details

Thank you, Sam, for taking the time to understand our needs and recommend the policy that best suited our circumstances. AIA's strong focus on preventative health and wellness incentives was an added bonus. We appreciated your guidance and support throughout the process of switching funds to AIA. Show details

Misleading quote: After a lengthy phone consultation I was provided a misleading quote due to the consultant incorrectly entering my income details. I explicitly stated my income however he entered the lowest bracket, resulting in a substantially lower quote. Once I reviewed my details on the app I noticed the error, rectified it and realised my… Read more

payments will go up by $50 compared to my previous provider. I have been trying to contact a representative as I suspect there are further details to be rectified but the lines are always busy. Update: After a 40 minute wait, my call finally got through. There was nothing the call centre staff could do. Effectively I am going to pay $50 month more than the amount that was originally quoted. Poor service, misleading quote, multiple errors made by the 'health insurance specialist'. To be fair, the only positive thing about AIA So far is the vitality program as it's a smart way to gamify tracking the user's health metrics.

Joy asked all the right questions to really understand our Health insurance needs and then proposed the a policy to meet our needs. She explained everything with just the right amount of detail. I signed up but after 2 days my husband and I decided against moving from our current Health Insurer. Whilst our current Insurer formally advise AIA we… Read more

are not moving to AIA they deducted a month’s premium some $417 from my Bank Account.

I tried calling AIA today but after 1 hour on the phone no one picked up the call so I thought I’d take Joy up on the offer in her last text - to reach out to her on the mobile number she was texting me on should I need any further assistance and I was absolutely shocked to hear a reply saying ‘the number you have dialled is NOT CONNECTED !!! Omg what a shocking way to treat Customers !!!

So I sent an email to advise and included a copy to me. If I do get a reply within 7 days plus my refund I will raise a complaint with the Insurance Regulator. I will also contact CBA to dispute the charge and provide them with the legal evidence (our current Health Insurer has already provided me this)

Simply terrible customer experience and mirrors others I’ve read.

10 years as a customer means nothing. The value has worsened every year. I had recommended this health insurance to many friends and family as it used to be excellent with customer service and value with the AIA vitality program. However the recent changes mean it's no longer worth staying with AIA health. They used to stand apart, but now are just another corporate profit machine. Show details

I spoke with Sam about returning to AIA and was impressed by the in-depth explanation of how the fund works and the benefits that can be earned. Sam was polite and well-spoken making it a pleasure to deal with him. Show details

Spoke with Sam and was impressed by the in-depth explanation of how the fund works and the benefits that can be earned. Sam was polite and well spoken making it a pleasure to deal with him. Great effort Show details

Had a great experience with Sam Mazloum. Thank you very much for explaining everything to me without judging my little knowledge about insurance. It was quite great Sam thank you very much for you time. Cheers, Lily Show details

Could not speak more highly of my introduction to AIA. Thank you Julio for helping me set up my policy. You helped me feel at ease with opening a private health policy. I felt the policy was thoroughly explained. Thanks again Deb Show details

Amith, made it very easy to compare my current medical benefits with the AIA options. It was a no brainer saving close $250 per month and getting benefits that suited my actual lifestyle as opposed to wasted cover. AIA's Vitality Program, promoting health and wellness is a great benefit as well. Switching funds was much easier than I realised and I wish I did this earlier. Thanks, Amith and AIA. Show details

Joy made it very easy to compare healthcare options and to understand the additional benefits available when joining AIA. AIA's Vitality Program, promoting health and wellness is an added incentive. It’s great that AIA do all the work in switching funds. Finally there was no hard sell tactics.. Joy just provided the info and the facts, very refreshing. Thanks Joy and AIA. Show details

Switched health covers over the phone with Jermone and was a very easy process. He explained everything in simple terms. Was very happy with the cover provided and the savings Show details

Yvonne H. I had been with Medibank Private for 45years plus and was quite apprehensive about changing health insurers. My contact was with Joy at AIA Health. Joy asked me questions to ascertain what level of cover I needed and what I had no need to be covered for, and then proceeded to explain the hospital and extras policies in a detailed manner… Read more

that was concise and easy to understand. She also answered any questions I had and explained the whole procedure in a very pleasant and professional manner, and explained the savings that I would be making. Joy was very pleasant to deal with and no pressure whatsoever, but a polite follow up.

Jerome was great to deal with. Everything was explained clearly and he was able to answer my questions. He followed up with me which made it easy for me to proceed with the quote Show details

We received a prompt ph call after asking for a quote on line. Julio was very knowledgeable about how hospital and extra covers work. He was able to educate us and also answer all our questions. We made a time to speak again in a few days. He rang on time, and once again answered all our questions. We have decided to change from our previous… Read more

provider who still has not responded to our enquiry. It has felt like very personalised service to this point. Hope it will continue to be as good now that we have taken the policy.