Medibank Health Insurance

After 17 years of my family being with Medibank and paying nearly $500 per month, I used their free health check up with a nurse. After two failed scheduled date/times I eventually had to call them and complain before I got put through to a nurse. When I did speak to a nurse it was not a 20min health check up but a generic survey to obtain general… Read more

information I assume they can then use internally in an attempt to provide a better service. I will now be spending the weekend looking at alternative health insurance providers. Very disappointed.

Talking about accessibility, I can’t believe how hard it is to 'access' assistance from Medibank when it comes to having a medical procedure. Everytime I have called to get an estimate of my out-of-pocket hospital costs, I was left waiting for more than 30 minutes, only to keep hearing the usual recording saying they are experiencing “more calls… Read more

than usual”. If this happens all the time, then it is not unusual, it is simply a service that is not properly resourced for what customers need, especially when people are trying to make important healthcare and financial decisions. I'm writing this while waiting 40+ mins time on the phone.... Of course the 'message us' option, for some reason, is not working.

They are incompetent. I have asked at least 3-4 times via phone and email to charge me on Fridays, and instead I keep getting charged on mondays, Thursdays and every other day except Friday. Show details

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

It is easy and fast. The details are organized in a table, so it is easy to see and understand. Also, the biggest advantage is that it recommends the right insurance for me from a variety of options and provides good opportunities to many customers through various promotions. Also, it was not expensive compared to other insurance companies, and I liked that there were many options for me to choose from at a price point. Show details ·  1

Just recently I received notification that our premiums have risen by $36.75/month when the advertised increase by Medibank Private was 5.1% which equates to $25.41/month for our current policy - a discrepancy of $11.34/month. When I queried this the reasons I was given were it depends on: 1. The state in which you live. 2. The type of cover. 3.… Read more

Your claiming history patterns. Why is this company (among others) not required to be transparent and advise members of these conditions instead of making a blanket statement that premiums will increase by 5.1% then just go ahead and charge more as they see fit. We have been loyal customers of Medibank Private for well over 20 years for which we get no recognition whilst new members get loads of benefits to join - fair and equitable - I don't think so.

They show weekly premium but not for first premium had to pay fortnightly! And very hard to get it back. The "Members' Choice" Confusion for me personally ​Tricky Percentages: The distinction between "Members' Choice" and non-Medibank providers is incredibly confusing I feel. It is difficult to locate what they actually pay for non-network… Read more

providers, which is a major issue when local options are limited for us ​App : The online chat and app clunky you end up back on phone for any meaningful stuff I feel. Navigating the app is difficult, and it lacks basic functionality like online cover changes. ​Service & Communication Hurdles ​Wait Times: While the staff are lovely, expect to spend at least an hour on the phone per call. Corporate members often face even more limited hours and get caught in a loop being referred between departments like I did! 1.5 hrs later.....per call.. ​The "Cancellation Loop": The online bot for cancellations simply refers you back to the phone, starting the long wait times all over again. Limited phone hours. ​Billing Quirks: Premiums are deducted super fast I feel. Especially for ahm medibank transfer ​Refunds & Transfers ​Delayed Refunds: It took five calls and a six-day wait to receive a refund of $291. ​Slow Transfers: Moving between ahm and Medibank took over four days to complete.and was still not done so couldn't claim! and canceling or transferring generally requires about three hours of effort. Some processing goes elsewhere. The staff are great, but for me slow process to make changes or ask questions online chat dreadful couldn't join app for days I have since moved to a provider that is much easier to contact, though I am still awaiting a refund from my previous policy. Got refund 5 working days later. If you contact them to process cancellation seems like they take premium even if no claim fortnightly straight away! Ahm app and online chat better for me personally

how can you put your costs up when you refuse to cover for anything! Total fraud! You have loop holes which only protect you and charge people a fortune to then let them down during the most difficult times. THE WORST SERVICE! Show details

9th March: 2026 And so it goes on: Transfer to BUPA completed: Took 24 days (should be 14 days) from 13th Feb. Still no sign of a refund, considering Medibank was paid up until the end of February, plus they intended to help themselves to the March Payment. They say the refund was processed on the 3rd March. With this crew your money has a VIP… Read more

pass to leave and needs a Visa and background check to come back. Perhaps the money is having a scenic tour of Medibank's off-shore accounts or floating on the money market.

Sorry to keep going on: I hope it will soon be over.

TO: Medibank Customer Service

It seems the shabby treatment persists. A couple of days ago, I contacted Medibank regarding the clearance certificate that Medibank is required to send to a new provider within 14 days. BUPA advised it had not been received—they, at least, appear efficient.

I telephoned Medibank, and the customer service representative told me she was forwarding the Transfer Certificate as we spoke. Unfortunately, I did not get her name; I can only describe her as having a smarmy voice, so you may know who it was.

As of February 27th, this has still not been done. I only know this because I checked my new policy to see if all was well, contacted BUPA, and was told again that it had not been received.

Does Medibank consider it good business practice to leave customers in an inadequate situation simply because they have the audacity to move to a better fund?

I have since found the certificate 27/02 at the bottom of three pages of warnings and fantasy contact details plus a half-arsed - "We’re sorry you’ve chosen to close your Medibank Silver Plus Advanced $500 Excess... but as you requested we’ve cancelled it and enclosed the Transfer Certificate" notice. You'll need it if you switch to a new health insurer."

I’m sure you are well aware that you were supposed to send this directly to the new provider. They were expecting it. Don't trouble yourself, I have since sorted it. I see I joined 1st. February 1984. I think most customers would be well shot of you.

I have been in Medibank private for decades and what does Medibank do for my loyalty? Raise my premiums every year, hit my partner with a 49% levy because we couldn't afford to put her in private medical with 12 mi ths if moving to Australia, and now my Medibank rebate on things like massages have decreased by over 20%. As a pensioner, I can no longer afford, or desire to fill the pockets of Nedbank. Show details

Been with medibank private for about 30 years. Have noticed that over those years their service is progressively getting worse and worse. Trying to do the simplest of tasks with them is getting harder and harder. Something basic like getting help. Trying to talk to someone is next to impossible and when it is available, the wait times are… Read more

rediculous. When you do get to talk to someone, they usually don't know the answers or give wrong information. Recently went to hospital for 2 nights. When I looked at the claims history, the hospital charged Medibank $20k for a procedure I didn't get. That claim was from a current hospital group that is in recievership. Conserned about it, I tried for more then 3 hours to contact Medibank without any luck. Have given up. Their problem.

Beyond ridiculous. We got a 'Overseas Visitors Everyday Hospital and Medical' policy for a visitor. Not part of the visa requirement for the overseas visitor. The policy was easy to get online. When we went to cancel the direct debit, as the visitor was flying out, it was such a pain to do. If they let you get the policy online, why don't they… Read more

allow you to cancel online. Had to jump through st>pid hoops to cancel. They make it as difficult as possible to cancel the policy so they can just keep direct debiting. Such greed.

Very poor customer service. I am the one who registered and paid for my mum’s membership, but Medibank still required my elderly mum for my mum (who doesn’t speak English and lives in Vietnam) to fill out an English form and send an authorisation email for $48.89 refund. It’s so ridiculous. I even offered to show proof of all the payments from my own bank account, but they refused to help. This process is extremely unreasonable and frustrating. Show details

Very disappointed with Medibank. Their “6 weeks free + 6 weeks free after 12 months” promotion is completely misleading. You’re led to believe you’ll get a total of 12 free weeks, but in reality, you’re still paying during this period — it’s just structured differently. It’s not free at all, and the way it’s advertised feels intentionally… Read more

confusing.

It’s frustrating to see such a large company use this kind of marketing tactic to keep making money from loyal customers. The wording should be changed to something more honest, as it gives false expectations. Overall, I’m very unhappy with the experience and would not recommend Medibank based on how this promotion was handled.

Medibank make it impossible to cancel your insurance coverage without calling and speaking to a person, which they've also made increasingly difficult to do. They could make it easy by allowing the option inside the members' online portal, but why provide good service for people when you can put up profit-maximising roadblocks instead? Show details

My 90 year old mum had a massive stroke and heart attack end of June 2025 and was taken from her nursing home to Joondalup hospital in an ambulance. This transfer was paid for by Medibank. At the hospital they determined that they could do nothing more for mum and the next day they sent her back to the nursing home via an ambulance . Medibank… Read more

refuses to pay for this second transfer claiming some obscure clause in the policy. Mum passed away a few days later early July 2025. I am shocked and disgusted by Medibank's handling of this.

I literally just joined medibank thinking it was going to be better what a waste of my time I would not reccomend it at all. For me to drive 45 mins to see one of there members choice chiropractors is crazy there is one in my area and they are useless. And then they not signing any others on in the area I will have to speake to my company to move there corporate account to another health fund. Show details

Appalling Customer Service and Zero Accountability – Not What You Expect from a ‘Premium’ Health Fund I’m absolutely disgusted with the treatment I received from Medibank Private after they rejected a claim I made on behalf of my 19-year-old son, who is listed as a child dependent under our family policy. Despite the fact that I pay the full… Read more

premium, I paid the bill in question, and I submitted the claim, they refused to even speak to me about it – citing "privacy" concerns and insisting they needed my son's verbal permission before they could even tell me whether the claim was eligible.

This is an outrageous and illogical policy. He is a child on my policy. He has never made a claim, never dealt with Medibank, and doesn't even pay a cent towards the fees. But when I called to resolve this issue, they shut me down completely – offering zero assistance, zero flexibility, and zero respect for the person actually footing the bill.

To make matters worse, they ask for my postcode under the false pretense of connecting me with "someone in my area," and yet I was clearly transferred offshore to someone reading from a script with no understanding of the context or empathy for the situation.

I’m on a Silver tier policy, paying eye-watering premiums, and this is the level of service I get? Absolutely disgraceful.

Medibank has shown they are more interested in hiding behind red tape and outsourcing their problems than actually supporting their paying customers. If you’re considering signing up – don’t.

Medibank Gold Comprehensive cover is now very expensive and not worth the cost. As what you a can now claim continues to reduce yet the premiums continue to rise. When you pay for top level cover you would expect more not less. Show details

Medibank worst health care provider. Never even think to move to Medibank. I have moved from BUPA to Medibank, I had full GOLD cover in BUPA with no waiting periods and after I moved to Medi bank there was no Policy documents at all and after 3 year I realised that all my existing waiting periods are lost in Medibank, because they put me on a… Read more

policy which does had any cover and not sent me any documents. When I complained they took 6 months to resolve and come back with no solution to fix my lost waiting periods.

I am so disappointed I have discovered despite contacting Medibank to cancel my policy that’s they have continued to charge a fortnight premium. When calling they advised they can’t cancel my policy without my transfer certificate. When contacting my new insurer they advised it had already been sent back in April, they also have resent it again.… Read more

How is it legal for Medibank to continue to fleece money from customers despite a clear cancellation request. Regardless of a transfer certificate my directions to cancel and that should have been followed. But Medibank are continuing to debit 200 a fortnight from my account whilst I am also paying a premium with my new insurer. How is this legally possible, I’m now in financial distress from having to find money to continue with my new insurer. When contacting customer service they assure me I will be contacted or the issue is resolved only to again notice further debits from my account

Absolutely abhorrent company. Policy was moved to another insurer. Medibank continued to bill nearly $300 per fortnight until I contacted them and told them to stop. The agent claimed “your card is saved on your file until it’s removed” so payments continue?!? Tried at length to deal with their useless call centre and was subject to abuse,… Read more

disconnects and extreme condescending behaviour by the claimed team leader. They’d be better off moving the call centre offshore. Honestly the worst company I’ve ever crossed.

Not useful information on app, does tell, no option of how to cancel the policy. Customer service didn't tell clearly what to fo, sending the verification code 10 minutes after the call. Show details