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Sarah-Jane J.
- 4 reviews
- Verified customer
After 4.5 years, I finally left.
Where do I begin? There are so many poor 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. ...Read more
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.Similar opinion? Write a review on ieatwords.com.au!
KirstenVictoria
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.
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Marylou S.Sydney, NSW
- 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.
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Find out how Teachers Health Fund compares to other Health Insurance
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RichardSydney, NSW
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.
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Hustler73Sydney, NSW
- 2 reviews
Super Necessary
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.
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Kristen MGreater Melbourne (Inner), VIC
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!
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JacquieASydney, NSW
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...Read more
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.1 comment
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SugarkaneSouth East Queensland, QLD
- 2 reviews
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.
1 comment
Teachers H.Teachers Health Fund
Hi Suagrekane,
Thanks for your positive feedback, we love to hear from our members. ... Read more
Hope you are safe and well. Thank you - BenSimilar opinion? Write a review on ieatwords.com.au!
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
2 comments
Teachers H.Teachers Health Fund
Hi MRG,
We’re sorry to hear about your recent experiences.... Read more
Our members’ experience sits at the heart of our organisation’s values and we welcome all feedback as opportunities for us to improve. We’d like the chance to talk to you so we can have a better understanding of the issues you faced and look at ways of resolving them. If you’d like to discuss further, please send us an email to [email protected] with your contact details and we’ll arrange someone to call you. Thank you - BenI called teachers health today after receiving a respond from teachers health and some one called Ben through product review but no one knows a Ben and there was no notes in their CRM about my feed ... Read more
back, I tried to explain my situation again but was given same answer, cannot suspend the Service if you have not lost your job. In case of emergency go to hospital and use your ambulance cover. This is when teacher health centre has been closed since March and no one can use their facilities and services. Poor management and very short sighted.Similar opinion? Write a review on ieatwords.com.au!
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Adrian T.South Australia
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
1 comment
Teachers H.Teachers Health Fund
Hi Adrian,
Thanks for your comment.... Read more
Our members are at the heart of what we do, so it disappoints us to hear about your experience. We’d love the chance to chat to you, and see if we can help in any way. Please could you email us at [email protected] with your member number and best contact number and I’ll arrange for someone to be in touch. Thank you - BenSimilar opinion? Write a review on ieatwords.com.au!
LazMetropolitan Adelaide, SA
- 2 reviews
Denied claim
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.
Really??
2 comments
Teachers H.Teachers Health Fund
Hi Laz,
Our members are at the heart of what we do, so it disappoints us to hear about your experience. We’d love the chance to chat to you, and see if we can help in any way.... Read more
Please could you email us at [email protected] with your member number and best contact number and I’ll arrange for someone to be in touch. Thank you - BenHi Ben,
I have contacted THF & thanks to Simon he has processed my claim without me having to go back to the doctor.
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ron_simkins
- 6 reviews
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.
1 comment
Teachers H.Teachers Health Fund
Hi Ron,
Your frustrating experience is not one we want for members, and I apologise for the long waits.... Read more
Please could you email us at [email protected] with your member number and best contact number and I’ll arrange for someone to be in touch. Please note we cant guarantee the security of all information exchanged via email. If you’d rather talk on the phone, call us on 1300 728 188. Thank you - BenSimilar opinion? Write a review on ieatwords.com.au!
NinaalltalkGreater Melbourne (Metropolitan), VIC
- 6 reviews
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 ...Read more
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.1 comment
Teachers H.Teachers Health Fund
Hi Ninaalltalk,
Thanks for your comment.... Read more
Our members are at the heart of what we do, so it disappoints us to hear about your experience. We’d love the chance to chat to you, and see if we can help in any way. Please could you email us at [email protected] with your member number and best contact number and I’ll arrange for someone to be in touch. Thank you - BenSimilar opinion? Write a review on ieatwords.com.au!
Joe WJupiter Creek
- 17 reviews
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.
3 comments
Teachers H.Teachers Health Fund
Hi Joe,
Your frustrating experience is not one we want for members, and I apologise for the long wait on the phone today. ... Read more
Please could you email us at [email protected] with your member number and best contact number and I’ll arrange for someone to be in touch. Please note we cant guarantee the security of all information exchanged via email. If you’d rather talk on the phone, call us on 1300 728 188. Thank you - BenI have sent an email. I must admit that our experience has gotten worse in that we submitted our claim on the 21st of February and when we phoned (4 march) they had only processed claims up to Februa... Read more
ry 18. It's now the 6th and they still haven't got to the 21st of February. This rolling cash flow issue is normally indicative of an organisation that is falling over... Really this industry urgently needs its own royal commission. However, we would welcome someone calling us. What I am concerned about though is that this really seems to be an endemic industry problem.Getting worse by the day, certainly, the service centre did call us and did try to help. They indicated that the doctor's bill had been paid to us recently via the bank account they have listed and th... Read more
e 3 digits they gave is correct. The payment date was 4 March but we still haven't got the money. Again its a call centre with a call back that you, in the end, have to select as you wait for longer than 10 minutes and no-one gets to deal with your query. We must have spent a few hours on this matter. Imagine if you are a teacher trying to get through during your break - no way you can resolve this. They have called us back and now state that as we did not include receipt they have sent us a cheque made payable to the doctor. The doctor's bill was double the amount they are paying so he has to be settled by me and surgeons wont operate unless their fee has already been paid. So we have made a mistake by not ensuring we had a receipt, however had we been told last week that this was via cheque and not a refund to us this could have been resolved much sooner. This is just so frustrating. We now have to resubmit the bill with a receipt. We shall see how long they take to pay this one.Similar opinion? Write a review on ieatwords.com.au!
Dave
- 5 reviews
- 1 like
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.
1 comment
Teachers H.Teachers Health Fund
Hi Dave,
Thanks for your comment. ... Read more
Our members are at the heart of what we do, so it disappoints us to hear about your experience. We’d love the chance to chat to you, and see if we can help in any way. Please could you email us at [email protected] with your member number and best contact number and I’ll arrange for someone to be in touch. Thank you - BenSimilar opinion? Write a review on ieatwords.com.au!
Find out how Teachers Health Fund compares to other Health Insurance
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Donna ESydney, NSW
- 3 reviews
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.
1 comment
Teachers H.Teachers Health Fund
Hi Donna,
We’re sorry to hear about your recent experiences. ... Read more
Our members’ experience sits at the heart of our organisation’s values and we welcome all feedback as opportunities for us to improve. We’d like the chance to talk to you so we can have a better understanding of the issues you faced and look at ways of resolving them. If you’d like to discuss further, please send us an email to [email protected] with your contact details and we’ll arrange someone to call you. Thank you BenSimilar opinion? Write a review on ieatwords.com.au!
TeresaSouth East Queensland, QLD
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.
2 comments
Teachers H.Teachers Health Fund
Hi Teresa,
Sorry to hear you've had problems claiming online. Did you manage to lodge your claim in the end? If you'd like help with claiming or checking what your cover does and doesn't include (and why) you can call us on 1300 727 538. ... Read more
Thank you BenThanks Ben. Finally managed to claim through the app.
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Joyce
- 3 reviews
Teachers Health Fund Richmond Dentist
I have been going to Teachers Health Centre in Richmond for years. Dr Tony Fang is an amazing professional. He is polite,
friendly and gentle, not to mention very skilled. I have recommended many friends and family and they say the same.
Thanks Dr Tony for looking after my teeth.
1 comment
Teachers H.Teachers Health Fund
Hi Joyce,
Thanks for getting in touch. We love hearing from happy members ... Read more
We have passed this onto the team in Richmond. Thank you BenSimilar opinion? Write a review on ieatwords.com.au!
CatGreater Melbourne (Metropolitan), VIC
Poor response claims
I called today to enquire as to whether THF had received my claim, as I logged it online via THF app. My claim did not show as pending for payment . I enquired as to why it did not show when I logged in to my account online...response.......it is a complex claim.It was a claim for orthodontic work....Straight forward item number. I was then advised my claim was in a queue! My claim submitted on 31/10 ..THF were beginning to process claims received on 18/10...I was effectively 11 days down the list before my claim would be even looked at! I hav...Read more
e paid private health insurance ALL my working life...I am now 59. How has it come to this....?These delays are completely unacceptable.... not to mention that I was on hold for 50 minutes before my call was anaswered.3 comments
Teachers H.Teachers Health Fund
Hi Cat,
Your frustrating experience is not one we want for members, and I apologise for the long wait on the phone today. Were happy to check the progress of your claim and the information you were given when you submitted it. ... Read more
While it may seem simple, orthodontia claims are quite complex at our end (as there are additional steps in the assessment process). That said, our aim is always to pay claims accurately, and as promptly, as we can. Please note we cant guarantee the security of all information exchanged via email. If youd rather talk on the phone, call us on 1300 728 188 or request a call back (well be in touch at a time that suits you): www.teachershealth.com.au/contact-us. Thank you BenBen, once again you have not addressed any of the issues i have raised.
Explain to me how claiming a common item number for orthodontic work is quite complex???explain to me the complex process?
My n... Read more
Teachers H.Teachers Health Fund
Hi Cat,
Orthodontia has a lifetime limit, including across previous memberships, levels of cover and with other health funds. Assessors review waiting periods and claiming history - which can be exte... Read more
nsive - as part of processing the claim; this is where the complexity is. To review your claim, or answer detailed questions, well need you to contact us so we can look at the specifics of your membership. Please email us at [email protected] with your member number, name, DOB and address and we can get someone to get in touch with you.Similar opinion? Write a review on ieatwords.com.au!
BowlerGreater Melbourne (Metropolitan), VIC
- 4 reviews
- 5 likes
Ridiculous Bureaucratic Requirements To Claim A Small Benefit
After almost 20 years of membership, I joined a local YMCA gym to maintain fitness and health in my retirement. I'm 73 and have top hospital and extras cover. The gym waived their joining fee and simply direct-debits me $23.30 a fortnight for use of their extensive facilities. Great deal!
But to claim the advertised gym membership benefit from Teachers Health, I must first obtain a written recommendation from a health professional - at my own expense, of course. Then I must submit official tax invoices for each fortnightly payment. Bank state...Read more
ments etc will not do. The maximum refund I may receive from Teachers Health is $200 in a calendar year. So after the cost of a visit to a health professional to have my gym membership endorsed, and subject to 26 fortnightly tax invoices being accepted by Teachers Health, I can expect about $7.60 a fortnight in refunds. Hopeless deal! I value my remaining time too much to waste it on this cumbersome, unnecessary and mistrustful set of requirements. I wonder how many other disgusted members there are who, like me, just walk away and don't bother to make this claim. We receive regular pamphlets from Teachers Health extolling the benefits of healthy living, eating and exercise. It's obviously just window dressing. And please don't respond by telling me you understand my frustration/disappointment, Do something practical instead and change your outlandish requirements on this supposed benefit2 comments
Teachers H.Teachers Health Fund
Hi Bowler,
Thanks for your feedback.... Read more
As frustrating as it may be, there’s a valid reason why this process exists – it’s a legislative requirement that all health funds must adhere to. As part of the legislation, health funds are only permitted to pay towards a service if it’s required as part of a management program for a health condition or chronic disease – hence why we need relevant information from a health practitioner. To make claiming for this benefit easier, many people send in their claim after 6 months or so, that way the one claim with multiple invoices can be submitted. However, please be assured that we’re listening and are always looking for ways to improve processes for our members. Thank you - BenBen, if we live long enough, old age becomes a chronic disease. I don't believe that one annual invoice cannot be accepted as evidence of gym membership. Whether a person attends weekly or monthly or ... Read more
otherwise, shouldn't really matter. If Teachers Health supports a healthier lifestyle, then simplify the process and reduce the bureaucratic dis-incentives. Can't be that hard, can it?Similar opinion? Write a review on ieatwords.com.au!
Questions & Answers
Catherineasked
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.
Regards
Catherine
No answers
wennoasked
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.
3 answers
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
Hi there,
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
Thanks -THF
Much appreciated both respondents here. Thank you!
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Teachers H.Teachers Health Fund
Hi JacquieA,
Thank you for being a loyal member for so long. We appreciate you recommending us. ... Read more
Its so great to hear from our happy members! Thank you - Ben