Medibank Health Insurance

We were with Medibank for more than 30 years. They do not appreciate loyalty so I decided to switch providers. Finally, after a big circle and taking advantage of free weeks offers, I came back to Medibank. They messed up my first claim and my second one was again lower than what it should have been. Their customer service had gotten worse. I went… Read more

into Westfield Burwood branch and it was staffed by migrants who have not been trained well. They have not been educated about our local culture, that the first thing is to be courteous and make your customer feel welcomed. This middle aged woman did not even bother to look at my papers when I told her that I felt my rebate should have been more. I walked out feeling really disappointed and never again will I go back to Medibank once my free weeks are over. They deserve Zero stars.

Their customer service is poor. Specifically being able to get through and talk with someone if enquiring about anything. It is usually a very long wait, or not able to get through at all. Also with the after hours agents being someone offshore they don't seem to have a clue or just cut you off so they don't have to help you. Show details

My brother became terminally ill so my husband and I took over his care. I personally contacted all the relevant organisations he was involved with, told them his new address (we moved him closer so he was near us) and with each one he verbally… Read more

identified himself then gave permission for me to speak on his behalf, long term, in case I needed to ring on his behalf.

I rang whilst he was in the hospital one day to tell them he had a new bank account for his direct debits to come out off. To my amazement the phone options keep asking for card numbers etc on recording but don't have an option to speak to an actual person. After hours on hold the phone was suddenly answered! I told the rep what was going on, that my I was sitting by my brothers bedside and could put him on to answer any security checks so I could speak. She refused to speak to him because "he wasn't the person who made the call."

I tried to explain he was 70 and quite ill but she wouldn't continue the call. They had not changed his address as previously asked, or added me to be able to speak about the account. We ended up putting the app on his phone to change his address and direct debit details. But they wouldn't speak to me. The woman took my details and promised a call back. I'm still waiting.

Fast forward a few weeks. My brothers health deteriorated even more. I tried for weeks to get through to let them know he wanted to cancel the policy. They refused to speak to him, or me. They did manage to take out a month's policy the day before he passed though, that they made sure off. I'm sitting here now waiting for his death certificate to arrive before another months policy gets taken out of his account.

My brother has passed now Medibank. You've managed to take one month's worth of your blood money. Are you going to go for two or will somebody finally judge me worthy of speaking to? He can't come to the phone anymore, it's just me crying and trying to get your mega company to honour the promise of a call back.

I have been with Medibank’s since the the 80’s and always find them extremely helpful and I have piece of mind that I will be taken care of. I went to the Adelaide city store and was assisted by Dimi Trantopoutos, she was fantastic! She helped to do… Read more ·  1

a claim online but her understanding and knowledge is brilliant. At all times very respectful and easy to talk to. An asset to the business!

Terrible Treatment unacceptable behaviour !! – If I could have given no stars I would have. Beware of the inpatient outpatient treatment. Make sure Medibank send the Transfer Certificate to your new fund or you will be left in emergency having vital surgery delayed. They have 14 days to provide this. Will never take insurance with Medibank again ! Show details

I am a Medibank member with both hospital and extras cover. I joined in 1982 and I am generally happy with the cover I receive, however, one extras item which I claim for prosthetic repair and maintenance has me confused. Medibank recognise three different years. * Calendar year for extras Medibank extras annual limits reset on January 1 each… Read more ·  1

year. Unused limits do not carry over to the next calendar year. * Membership year In my case it renews mid February * Prosthetics Medibank only allow this item to be claimed once per year. Although claimed under Extras, the maintenance and repair of prosthetics renew on the anniversary of the previous years claim and does not renew on January 1st. If a claim is made, it must not be less than "exactly" one year from the previous claim. One day early and the claim is refused.

In my case there is only one person in South Australia that provides this service. He only works 2 days each week and also services regional areas. Often it is not possible to get an appointment to suit Medibank requirements. The response is "That's the rules"

Update: I went to the Medibank office at Tea Tree Plaza and am pleased to say my claim has been reassessed and will now be paid. Many thanks to Natalie who provided a clear explanation of why my claim was refused initially. People like Natalie are a large reason I have remained with Medibank for 44 years. I am now completely happy to remain at Medibank for the foreseeable future.

I joined Medibank about a year ago and I claimed on my extras only so far , fortunately my experience of claiming was seamless. Secondly whenever I need help for anything a customer service officer called Hala Wasef always welcomes me with due respect and tries her best to help me. I wish all customer service officers follow Hala’s foot steps. Show details ·  1

The representative I spoke to on the phone today was so thorough, professional & had an impressive knowledge of the product. Their lengthy training is very apparent! I wouldn’t even consider using another insurer… Show reply

Rebates are good, if the rebates were not good we would have left years ago, the customer service is horrible. They genuinely cannot complete a pharmacy claim if their lives depended on it, if you post off they disappear and are never processed, heard from or seen again. If you contact chat be prepared for a mind numbing experience where they… Read more

do not listen and where the conversation is dragged out over the span of hours with none of the information you provide listened to and all responses about 30 to 40 minutes in the making.

If you go in person to try to avoid all of this someone will stand over you demanding that you leave it with them, will promise to submit themselves, advise once claimed, keep in touch with head office to ensure complete and follow-up but in actual fact just take your paperwork and nothing more.

If you don't need healthcare consistently where the rebates are a necessity, do yourself a favour and go elsewhere... medibank is genuinely horrendous.

The online Medibank Private service is not a service to customers. My husband and I waited, filled in odd information and then had to revisit site again. All just to add a new phone number so we could log in on line. The site is user unfriendly, real people on line say too many others waiting, not enough service, Very poor. Show details

Hopefully this is an informative review about coverage with Medibank Private (MP). No complaints about the doctor, hospital or anaesthetist. I am 60yo (been with MP for 35 years) and had a necessary major operation in a good private hospital in Melbourne. I received a letter of consent from the anaesthetist on 28 July and my operation was on 3… Read more

August. It was too late to enquire about the estimated fees and it does not matter anyway because the surgeon chooses the anaesthetist. I paid the fee of $2,500 before the operation and had already absorbed the $500 gap through my premiums. I just received my Medibank Private statement and received a $178 rebate from MP for the anaesthetist. I will receive a few hundred dollars as rebate from Medicare. High skilled anaesthetists at good hospitals do not 'opt in' to the private healthcare scheme because they are not able to charge the fee that they are (frankly) entitled to. The private healthcare scheme has not kept up with the cost of doing business and is a disgrace. Put simply, I was $1,900 out of pocket for the anaesthetist, an expense that was not budgeted for. Just have to keep working to pay the bills.

Update: After multiple follow-ups and a formal complaint, the $90 HICAPS claim has now finally been reversed. I’m glad the issue has been resolved, although the process took several weeks and required repeated escalation. Review Incompetent online customer service team. A false claim on my private insurance. I’ve been chasing up my refund for… Read more

three weeks, but they keep procrastinating and giving me different versions of the story every time I call, completely wasting my time. They keep telling me it’s been processed, yet I still haven’t received my HICAPS refund after three weeks.

I wish I’d never joined Medibank. Once you sign up (where they answer the call straight away), you will find it very difficult to reach them and talk to someone ever again. Be prepared to wait for hours on hold. For over an hour, each time. They will tell you they will call you the next day, they won’t. You will wait and wait, nothing will happen. I will never take insurance with this company again. Show details

My experience with Medibank has been extremely disappointing. I was incorrectly charged due to what appears to be a system error, and despite multiple follow-ups, I struggled to get a clear update or resolution. The burden of chasing the issue fell entirely on me, while Medibank showed little urgency in correcting its own mistake. The premiums… Read more

are already higher than many competing providers, so I expected a much higher standard of customer service. Unfortunately, interactions with the customer support team, including the Platinum team, felt unhelpful and uninterested. Rather than actively assisting, it often seemed as though they were simply going through the motions of the conversation.

When you’re paying premium prices, you expect accountability, responsiveness, and customer care. Based on my experience, those expectations were not met. After weeks of follow-ups, inconsistent information, and no proactive communication, I would not recommend Medibank to others.

After being a member for 30 years I tried to suspend my membership due hardship which they allow. They have a whole page of fine print. Nowhere does it say for the category I applied for there is a limit to how long but they wrote back saying “ great here is your three month max suspension”. Nowhere is that stated. I then want to cancel,… Read more

naturally although everything is online you can’t do that online or via chat. You must talk to them so they can try to trick you to stay.

They sent me 2 or 3 private chats here, never answering the question but wanting my name etc. I kept asking politely, the issue is on your form, can you confirm. Have you read it I asked eventually. Silence.

Dishonest and deceptive.

Terrible customer service. Unable to get answers on chat although I have asked to speak to agent I am not getting clear answers nor will the agent give me their name. Phone wait times over 1 hour. I regret transferring to this organisation and will transfer back. Unable to find out in APP if covered for a procedure but have to phone for a quote which means an excessive wait time with terrible music and messages. Show details

Hopeless. Cancelled policy and they continued to take money. Sent me a cheque that took weeks to come, then said they would cancel it and I asked for it to be sent back to my payment method and was told they could not refund to a debit card, only to follow up cause it hadn’t hit my bank account weeks later, to be told it wasn’t processed and they… Read more

could cancel cheque but could only refund to original payment method, which they said they couldn’t do prior. Ended up telling them, I’ll just find time somehow to deposit cheque. 2 hours wasted

I was with Medibank’s for 20 yrs. Did not make too many claims, but my claims were dealt with fairly. I do travel overseas often and under Medibank travel insurance could not get travel insurance for more than 60 days. On the other hand I could not suspend my policy for less than 60 days. AHM and Bupa allows you to suspend for shorter periods so I had no choice but to switch. Show details

My husband FB received an email from Medibank this morning denying his claim for a private ED visit earlier this month. He was transferred from ED to hospital for treatment hence it is reimbursable by Medibank. FB rang Medibank and after 5 or so… Read more

minutes on hold was transferred to a woman. FB relayed the situation. After leaving hospital FB rang Medibank and learned to file a claim he must submit the ED invoice along with a statement from Medicare showing how much Medicare had paid. FB did that and filed the claim. Medibank rep then put FB on hold. When she got back, she said that he had been reimbursed already. FB said that he had received no payment from Medibank for the last month. After some back and forth. the rep insisted that FB email her his bank statement! FB refused as that invades his privacy. More discussion then again on hold. Then FB asked her when it was paid as he had only filed the claim last week. The rep said 13 months ago. She was looking at 2025 records! That was a waste of half an hour. There was more discussion and more holding and she said the claim was denied because it was not from the hospital. The ED is a different organisation. The rep said that is the claims process so she recommended he go in person. FB refused as it's a one hour drive to the nearest Medibank office. Then the rep advised FB to submit his claim by post and ended the call. It was 1 hour. The rep never explained how Medibank would handle the claim different by post than via internet. FB is worn out today but plans to call Medibank tomorrow and hope a different rep is a little sharper. Too bad Medibank doesn't reimburse for wasted time.

NO COMMUNICATION. I tried numerous times to close the account. I now owe $728 ?!! MediBank Emails are "No-Reply", and phone numbers don't work from the US. So yea, NO way to contact this company. NO Communication. Now what? I guess I'm an outlaw. Show details

I have been with Medibank for more than 1 year for my OVHC. The monthly premium went up quite significantly in April 2026. I spoke to a consultant and she said Medibank can't do anything with the price. When I was trying to cancel the policy and go to another provider, Medibank charged a $50 discharge fee which is quite ridiculous! Show details

One star is way too much for these guys. Just rang Medibank Private and got put on hold for a supposedly 25 minute wait that took 49 minutes, listening to the same grotesquely distorted music on loop, interspersed with upsell offers of progressively diminishing interest. No updates on waiting time, no offers to call back. No option to message… Read more

or text on their website (although it suggests you do). Eventually got to speak to a human being who who reminded me that I was a "Priority Customer" (but my time is evidently worthless). Enquiry was into non-receipt of a payment which had apparently been sent out by cheque. Does anyone remember cheques? They're those things that you need to take into your bank's local branch (if you are lucky enough to still have one) before you see any of the money. Medibank Private have been deducting their $375/month subscriptions from my account for many years; there's no excuse for not reimbursing customers the same way. I rang Medicare earlier in the day and was told they were busy but could call me back in 17 minutes. They did, in 17 minutes exactly. Medicare is free.

EDIT: I made contact again and have unfortunately canceled our membership after 30 years. So many errors made in conversations and hbf can currently offer up to 12 weeks free and a gift card, so Medibank can’t match them. Apparently Medibank only do special offers to attract new customers and not to retain customers who have paid top hospital… Read more

coverage for 30 years.

We pay over $7k per year for top hospital cover and extras. I received info re a corporate policy with Medibank which includes a 9% discount.

I got onto their chat online to ask if they can give me some professional advice and let me know what the difference was between the two policies. All I got was a generic copy and paste of a corporate policy, an extras link that didn’t work which had QLD referenced in it while I’m inWA.

All I wanted, was to know, which would cover us for more as there was $2 difference in the price per fortnight, while the corporate policy had a 9% discount. You would assume that the corporate policy covered more but I know that it is not necessarily the case that if you pay more you’re covered for more.

I was told they would email me the policy and I could compare it with my policy myself. I thought they were there to provide a service with professional advice as people who know how to read the policies and use their professional knowledge to give advice not just copy paste and email.

Looks like we will be contacting other insurance companies and taking our 30 years of membership and $7k+ per year elsewhere! We can also get 2/3 months free plus gift cards changing to another insurer so it’s very enticing.

After reading these reviews, I can see that I am one of many who have problems leaving Medibank which makes me understand that is their organised strategy which is actually criminal behaviour. We changed to NIB on 27/03/26 after realising how much our fees were going to increase, no email to advise us of this until today, mind you. We have been… Read more

over paying for the past 10 years but have remained loyal because of of a st^pid belief that we might be rewarded for being loyal. The opposite is true, I spent 45 minutes on the phone yesterday waiting to talk to a "Customer Service" ( Ha ha joke !!!) person and requested that our policy be cancelled and Direct debit stopped, No no I was informed, that cannot happen until we we receive the Transfer Certificate fron NIB. Being very naive I then spent another 15 minutes calling a NIB Customer Service agent who explained to me that the Transfer Certificate has to come FROM the Health Fund you are leaving , ie, Medibank. NIB had in fact requested this on 27/03.26. Meantime they are still deducting money from our Bank account even though I have instructed them that the policy has been cancelled. I have written several messages on my Medicare app and get various responses like I have to call this No and talk to a person etc etc which in fact I did but that got me nowhere as I was given the wrong information. Otherwise you get a bot who asks you the same question over and over. They purposely make it almost impossible to talk to a person unless you are prepared to wait for hours with your blood pressure reaching dangerous levels. Please think very seriously about joinung this health fund, their Customer service is appalling and is this way for a reason.