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I am a pensioner and had X-rays for cataract removal. I
I am a pensioner and had X-rays for cataract removal . I checked with my insurance HCF and I am covered for eyes but not cataract. Surely cataracts are eyes … read more
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John Melis
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Bachelor's Degree
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I am currently awaiting hip replacement surgery after a 12
Second opinion] I am currently awaiting hip replacement surgery after a 12 month pre existing condition waiting period penalty. I am now insured through NIB and after suffering severe arthritis and er… read more
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Leon
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I am currently awaiting hip replacement surgery after a 12
I am currently awaiting hip replacement surgery after a 12 month pre existing condition waiting period penalty. I am now insured through NIB and after suffering severe arthritis and erosion of hip I f… read more
John Melis
John Melis
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My exhusbands health insurance was cancelled in October 2020
My exhusbands health insurance was cancelled in October 2020 and he didn't know. He has been seeing an orthopaedic surgeon for almost a year and is very close to getting knee replacement surgery and o… read more
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I had private health insurance with AHM until 14 Feb this
I had private health insurance with AHM until 14 Feb this year, then I changed to HCF. I submitted a claim for glasses for my daughter with HCF as I paid for the glasses on the 20/2 (which is indicate… read more
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I have been requesting a clearance certificate from HCF so
I have been requesting a clearance certificate from HCF so that I can join a different fund (NIB). I have been requesting this or the past two months, as has Jarrod from NIB. They continually send the… read more
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John Melis
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I had a complete knee replacement in november thru HCF at
I had a complete knee replacement in november thru HCF at Cabrinni hospital VIC, isaw the surgeon in march and was told my knee was a bit loose but it would improve. I finished physio at around this t… read more
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Misinformation about health insurance cover. Victoria. I
I have called the health insurance several times to explain the wrong information I was given re my daughters cover for upcoming spinal surgery. I was clearly informed she is covered for the surgery by a private neurosurgeon at a private hospital. The consultants have apologised profusely and understand her stress … read more
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Leon
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On the 18th November 2019,I visited my Surgeon A/Professor M
On the 18th November 2019,I visited my Surgeon A/Professor M Jeager regarding my back issue. We agreed that I would need an back operation to remedy the problem. Upon his PA calling GMHBA, she was tol… read more
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My wife and myself have been insured with Medibank private
My wife and myself have been insured with Medibank private for over 20 years. Hcf made an offer to reduce our cover cost. Medibank counter offered with a good amount with 6 weeks nill cost so we went … read more
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John Melis
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Bachelor's Degree
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Have been long time private health insurance client.
Hi, have been long time private health insurance client. 28years+ … read more
Leon
Leon
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Master's Degree
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I have been under work cover through Allianz Vic but live in
I have been under work cover through Allianz Vic but live in NSW. I have had 2 knee replacements and they called me at least 7 weeks ago to tell me they were not covering anymore and I would receive a… read more
John Melis
John Melis
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Bachelor's Degree
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I took out insurance for permanent disability with HCF in
I took out insurance for permanent disability with HCF in 1990. As such, I had a work accident in 2000 where my injury became worse and was told by a neurosurgeon that I needed surgery to fix my back.… read more
John Melis
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In very short, my father passed away over two years ago
Hi Pearl, in very short, my father passed away over two years ago after post surgery complications. I have now 2 years later been approached by his surgeons office as they have been trying to claim a … read more
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Who can I speak to re claim issues with Medibank? Victoria.
We have disputed their rejection of a claim and have been told to appeal if we are not happy … read more
Leon
Leon
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Master's Degree
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I took out singles health cover with ahm just over 12 months
I took out singles health cover with ahm just over 12 months ago having been left with no cover at all following separation from my husband. I hadn't realised that he had cancelled the policy & taken … read more
Leon
Leon
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I have a Cash Back Cover with HCLife through my HCF health
I have a Cash Back Cover with HCLife through my HCF health fund, I have suffed an accident that required surgery, no prexisting injury. I refused surgery against my surgeons and his specialist consult… read more
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Leon
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Master's Degree
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We bought 3 reverse cycle airconditioners ,1 for Seymour, Vic,country
We bought 3 reverse cycle airconditioners ,1 for Seymour, Vic,country house had 2 faults in exterior unit valve, we have had problem since end of January, waited for our installer to view, he said fau… read more
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Leon
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33,424 satisfied customers

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DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.

The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).

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