Medibank Reviews 

1,950
TrustScore 4.5 out of 5

4.4

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Review summary

Created with AI, based on recent reviews

Reviewers overwhelmingly had a great experience with this company. Customers frequently commend the excellent service and the helpful, caring staff, who often make stressful situations easier to navigate. Many people found the overall user experience smooth and straightforward, appreciating the seamless handling of claims that often required no direct interaction. However, some customers also noted challenges with customer service, including long wait times and difficulties getting clear answers or support from representatives. A few other people also felt that online and chat services were ineffective, sometimes providing incorrect information. Additionally, some reviewers experienced issues with claims, such as a lack of communication regarding status or claims not being accepted as expected.

What people talk about most

Service

People report positive experiences with service, often highlighting the seamless process of organizing... See more

Staff

Users describe positive interactions with staff, often highlighting their friendliness, knowledge, and... See more

Customer service

Reviewers mention ambiguous feedback about customer service, with many customers reporting positive... See more

Claim

Clients share ambiguous opinions on claim processes, with many finding it easy to navigate, simple to submit,... See more

User experience

Customers consistently note positive experiences with user experience, describing the overall process as... See more

Reviews shaping this summary

Rated 4 out of 5 stars

Good hospital and great staff. However very expensive for a few hours and no over night. Too much of this and I will be forced to drop off private health all together. Additionally calling medibank is... See more

Company replied

Rated 4 out of 5 stars

Medibank has been easy to deal with, and they followed up to see if I needed help and referred me for some other services that will be very useful. All the staff I have spoken to have been lovely, gre... See more

Company replied

Rated 5 out of 5 stars

Tracy from Joondalup store WOW! Amazing service. Who would’ve thought a complete stranger could have such an impact. Honestly she deserves a pay rise immediately. Her service and efficiency was incred... See more

Company replied

Rated 5 out of 5 stars

Everything was handled by the provider and so far there have been no surprises or extra costs. It made a stressful time easier to navigate. As a suggestion, maybe do a touch base email or call "we've... See more

Company replied


Company details

  1. Health Insurance Agency
  2. Insurance Agency
  3. Insurance Broker
  4. Insurance Company
  5. Life Insurance Agency
  6. Travel Insurance Company

Written by the company

We are a health company providing private health insurance and health services to millions of people across Australia. Everything we do is aimed at improving the health and wellbeing of Australians and helping people lead better quality lives.​​​​ Medibank has insured the health of Australians since 1976. Through our Medibank and ahm brands, we now look after the health of more than 4 million people. From prevention through to treatment and health management, Medibank is driving better health outcomes through our health services, health system advocacy and work in the community. With a large and diverse customer base, we are one of the most recognised brands in Australia. We are proud of the position of trust we have established and of our integral role in Australia’s health system. Our 2030 Vision is to create the best health and wellbeing for Australia. We connect people to a better quality of life in every moment. We create access, choice and control for everyone, and together lead change for a stronger health system. We have four values that influence everything we do. These values guide the way we interact with each other, the decisions we make and the way we serve our customers. Customer Obsessed: Their health, our passion. Show Heart: Show Heart. Care in every moment. Brilliance Together: We impact bigger. Break Boundaries: Reimagining what’s possible.


Contact info

4.4

Excellent

TrustScore 4.5 out of 5

2K reviews

5-star
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1-star

No recent history of asking for reviews

This company hasn't invited customers recently, so reviews may not be representative

Replied to 98% of negative reviews

Typically replies within 48 hours

How this company uses Trustpilot

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4.4

All reviews

(1,950)

1,645 reviews in the last 12 months

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Companies on Trustpilot aren't allowed to offer incentives or pay to hide reviews. Reviews are the opinions of individual users and not of Trustpilot. Read more

Rated 5 out of 5 stars

Helpful and informative staff.

Helpful and informative staff.

May 22, 2026
Unprompted review
Medibank logo

Reply from Medibank

Hi Russell, thanks for your kind words! We’re really glad our team could help and keep you well informed. - Cath

Rated 5 out of 5 stars

Medibank covered my day surgery costs

Medibank covered my day surgery costs ( no excess) and the hospital made the claim on my behalf without a problem

June 1, 2026
Unprompted review
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Reply from Medibank

Hello, thank you for sharing your experience. We’re really pleased to hear everything was taken care of so smoothly for you! - Cath

Rated 5 out of 5 stars

My recent experience with Medibank for…

My recent experience with Medibank for a procedure was seamless. Everything went smoothly and stress free.

June 3, 2026
Unprompted review
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Reply from Medibank

Hi Gina, thanks so much for your lovely feedback. We’re really glad to hear your experience felt easy and stress-free! - Cath

Rated 5 out of 5 stars

The admission process at St John of God…

The admission process at St John of God was efficient and claim made through Medibank was straightforward.

June 9, 2026
Unprompted review
Medibank logo

Reply from Medibank

Hi Gerard, thank you for sharing this. It’s great to hear things ran smoothly and made the experience a little easier. We appreciate you taking the time to let us know! - Cath

Rated 5 out of 5 stars

Good service

June 5, 2026
Unprompted review
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Reply from Medibank

Hi Soumya, thanks so much for your kind feedback. We really appreciate you taking the time to share it! - Cath

Rated 5 out of 5 stars

Paperwork process went well.

I completed the paperwork provided by the Hospital / Surgeon / Anaethetist for my claim to be processed , waited for response , all good , no hassle ,....good service.

May 26, 2026
Unprompted review
Medibank logo

Reply from Medibank

We're so glad to see your claiming process went smoothly and appreciate the support! For any claiming question, feel free to check out our claiming webpage here:
https://www.medibank.com.au/help/claims/
- Shelley and The Medibank Team

Rated 5 out of 5 stars

great response time

June 10, 2026
Unprompted review
Medibank logo

Reply from Medibank

Hi Una, thanks for the 5 stars and the awesome review! We're so glad you've been experiencing quick and efficient service.
- Shelley and the Medibank Team

Rated 5 out of 5 stars

Seamless process

My day procedure in hospital was totally seamless - thank you.

June 4, 2026
Unprompted review
Medibank logo

Reply from Medibank

Hi Kerry, we hope you're recovering well after your procedure and are glad to see you have a seamless visit!
For after hospital care, please check out our support options here: https://www.medibank.com.au/health-support/hospital-assist/medibank-after-hospital-home-care/
- Shelley

Rated 5 out of 5 stars

Paid the bill

Paid the bill, no problems.

June 4, 2026
Unprompted review
Medibank logo

Reply from Medibank

Hi Carl, thanks for the 5 stars! We're glad to see you had a seamless experience with us.
- Shelley and the Medibank Team

Rated 1 out of 5 stars

I am extremely disappointed with the…

I am extremely disappointed with the level of service from Medibank. First, they incorrectly labelled my condition as “pre-existing” when it clearly was not. That alone was frustrating, but what made the experience worse was their inability to provide a simple, direct answer when I asked about waiting periods.
Instead of explaining it clearly, they just redirected me to their website and phone number. I already checked the website, and it does not clearly outline the waiting periods in a way that is easy to understand. It honestly feels like they are avoiding giving a proper answer.
As a customer, especially someone dealing with health concerns, the last thing you need is vague responses and being sent in circles. How hard is it to answer a straightforward question?
This has been a very frustrating and disappointing experience. Their customer service needs serious improvement.

June 4, 2026
Unprompted review
Medibank logo

Reply from Medibank

Hi Uma, thank you for sharing your experience and giving us the opportunity to clarify your concern.

With waiting periods, there is a 2 month wait for most services except in-patient pregnancy and birth and most pre-existing conditions, these have a 12 month waiting period on residence cover.

Under non-residents cover, there is no waiting period for treatment for conditions requiring hospitalisation that are not deemed pre-existing conditions. There is a 2 month wait for hospital psychiatric, rehabilitation and palliatives care. There is a 12 month wait for Pregnancy and birth, most pre-existing conditions and CPAP machines.

I apologise if this was not clearly advised to you. Please reach out if you have any other concerns.
- Regards, Shelley and The Medibank Team

Rated 1 out of 5 stars

Frustrating Experience from Start to Finish

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 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.

June 9, 2026
Unprompted review
Medibank logo

Reply from Medibank

Hi CuriousEnough, we’re sorry to hear about your experience and the frustration this has caused. This isn’t the level of service we aim to provide, and we apologise for the lack of clear communication and resolution.

I understand your concern may have been resolved by now but if not, we would appreciate the opportunity to make this right. I have initiated a request for you.
Kind regards,
Medibank Team

Rated 5 out of 5 stars

I would like to thank the team for the…

I would like to thank the team for the excellent service and prompt support with my recent claim. The process was smooth, straightforward, and handled efficiently from start to finish.

I greatly appreciate the quick assessment and payment of the benefit for my medical procedure. Your professionalism and timely assistance made the experience stress-free.

Thank you for your outstanding service.

June 5, 2026
Unprompted review
Medibank logo

Reply from Medibank

Thank you for sharing your amazing experience, Sofia! It's always a pleasure to read about the support our team's provided.
We're glad your claiming process was quick and efficient, and be sure to check out our 'How to Claim' webpage for any future questions:
https://www.medibank.com.au/help/claims/
- Shelley and the Medibank Team

Rated 5 out of 5 stars

Easy

Easy to access relevant information, and my account, throughout the whole medical procedure from start to finish.

April 2, 2026
Unprompted review
Medibank logo

Reply from Medibank

Hi Rosalie, thanks for your feedback. We’re glad to hear you were able to easily access your information and appreciate you sharing your positive experience! - Cath

Rated 5 out of 5 stars

Satisfaction.

The satisfaction Knowing that I'm covered for hospital expenses.

May 28, 2026
Unprompted review
Medibank logo

Reply from Medibank

Hi Raymond, thank you for your feedback. We’re pleased to hear you have confidence in your hospital cover and the support it provides. Thank you for choosing Medibank! - Cath

Rated 1 out of 5 stars

BAD BAD BAD HATE THEM

Literally the hardest thing to ever cancel if you leave the country! No email, phone number doesn’t work. I went through the chatbot got hung up on twice, then finally an hour and a bit later someone came on and told me it was already cancelled and they didn’t know why i was still being charged. Then only replied when i asked if they had cancelled it, And proceeded to say yeah it was already cancelled. THEY ARE SO BAD GO SOMEWHERE ELSE I NEVER LEAVE REVIEWS BUT THEY HAVE ANNOYED ME SO MUCH I ACC HAD TO UGH

June 8, 2026
Unprompted review
Medibank logo

Reply from Medibank

Hello, thank you for your feedback. We’re very sorry to hear about your experience, this is not the level of service we aim to provide, especially when it comes to something as important as cancelling your cover.

Your feedback has been noted and will be shared with the relevant teams to help improve our processes and communication.

- Cath

Rated 5 out of 5 stars

My pre op chats with your staff member…

My pre op chats with your staff member was very positive and clear.

May 27, 2026
Unprompted review
Medibank logo

Reply from Medibank

Hi Brenda, thank you for your feedback. We’re pleased to hear your pre-op interactions with our team were helpful & appreciate you taking the time to share your experience. All the best with your recovery! - Cath

Rated 3 out of 5 stars

Difficulty of contact

Difficulty of contact. Your officer first contacted me without request. Excellent. Great info about coverage for my surgery and hospitalization. She had to transfer to another group re in-hospital rehab. Excellent. She transferred me to another team re in-house rehab - didn’t happen. Still hasn’t. Their call number says “choose your option after the tone” - there is no tone. So I tried the app and have a discussion with AI who doesn’t know what I mean. I have since left a message asking for a call back but no result. Ended up that I’ve had to stay in hospital as an in-patient and will not have to make a choice about rehab so it’s (fortunately) redundant.

June 4, 2026
Unprompted review
Medibank logo

Reply from Medibank

Hi Harry, thank you for your feedback. I'm glad your initial interaction was helpful and informative, but am sorry to hear about the difficulties you experienced afterward. Your feedback on our phone system and app is appreciated and will be reviewed. All the best with your recovery! - Cath

Rated 2 out of 5 stars

Reducing hospital excess

I think that not being able to reduce the $500 hospital excess using my accumulated points because I had had a previous hospital visit in the last 12 months was unfair. I have worked hard to gain those points each week to help with the financial burden of having to go to hospital for a procedure.

June 3, 2026
Unprompted review
Medibank logo

Reply from Medibank

Hi Judith, thanks for reaching out. The LiveBetter Excess reward is able to be applied towards future hospital admissions, but not towards a previous claim if you have already been to hospital. Can you please contact us via our website, so that we can clarify this for you? Thanks! - Cath

Rated 5 out of 5 stars

My experience was great as it was so easy

My experience was great as it was so easy. The clinic had me sign a few forms and that was all there was. Having been a long time Medibank customer but first time using my hospital cover I wasn’t sure of the process but all good.

June 2, 2026
Unprompted review
Medibank logo

Reply from Medibank

Hi Michael, we’re really glad your first experience using your hospital cover felt simple and easy. It’s great to hear everything went smoothly, and we appreciate your feedback! - Cath

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