??!
1 photo
HBF Health Insurance

HBF Health Insurance

1.7 from 189 reviews

Reviews

(16)
(9)
(11)
(13)
(140)
  • Value for Money
    1.3 (23)
  • Transparency
    1.1 (13)
  • Customer Service
    1.5 (24)

HBF doesn’t know the meaning of REFUND!!

published

Hard to get a refund from this stinking health fund. Here is yet another attempt. Dear HBF
I have been chasing a refund from you since 1st March. Your staff keep promising a refund however nothing to date.
My last call to your office said I would have my money no later than 17th March, guess what it’s now later than that.

Plan CoverageHospital and extras
Coverage TypeCouple
Under 30No
Claim MadeNo
See all answers
2 comments
HBF
HBF T.HBF
Thelma P.
Thelma P.

Overpriced and ripping me off.

published

I have been with HBF for 7 years but I don't feel the value in my policy. Every 6 months my premium goes up and my policy now costs about 50% more than it did when I signed up. I just got an online quote for the Equivalent policy and it would be hundreds of dollars cheaper if I cancelled and signed up again. And that is even with the significant discount I am supposed to be receiving through my employer.

I am trying to cancel but they don't make that easy. I would need to take time off work to be able to contact them during their work hours.

Transparency
Customer Service
Value for Money
Plan CoverageHospital and extras
Coverage TypeSingle
Under 30No
Claim MadeNo
See all answers
1 comment
HBF
HBF T.HBF
Sparky

SparkyPerth, WA

HBF don't pay for "reasonable" claims

published
Transparency
Customer Service
Value for Money
Plan CoverageHospital and extras
Coverage TypeFamily
Under 30Yes
Claim MadeYes
Claim ApprovedNo
See all answers
Health Insurance

Find out how HBF Health Insurance compares to other Health Insurance

Know better, choose better.

Compare all
  • Verified customer

Incompetent, Poor customer service.

published

Very slow to respond to requests, I have been waiting almost two weeks for an explanation on why they shorted my policy cover by half a month, Still no explanation. Escalated concern to a 24 hour response team. Surprisingly no response after 48 hours. When asking for an explanation on a calculation no one is competent enough to take ownership of the problem. try a different insurer if you can.
Claiming works fine unless you have a problem then their service is extremely poor.

Transparency
Customer Service
Value for Money
Plan CoverageHospital Only
Coverage TypeFamily
Under 30Yes
Claim MadeYes
Claim Resolution Time1-2 weeks
Claim DateFebruary 2020
Claim ApprovedNo
See all answers
1 comment
HBF
HBF T.HBF

They avoid paying benefits with irrational rules.

published

Purchased $750 Orthotics at podiatrist.
The podiatrist invoice included the orthotics and consultation...fair enough.
HBF refused to pay the $400 benefit for the orthotics via hicaps because of the consultation charge.
HBF claim their system cannot process the consultation and orthotics together. I refuse to believe a multi-billion dollar company cannot implement software solutions to recognise the orthotics code.
I had to do the claim manually and waste time waiting on hold and submitting it myself online.
Pretty sure people would give up because the system is painful to use and not get their benefits.
May not be a deliberate scam, but they are denying people their benefits with stupid systems.

Plan CoverageHospital and extras
Coverage TypeFamily
Under 30No
Claim MadeYes
Claim Resolution Time2-4 weeks
Claim DateFebruary 2020
Claim ApprovedNo
See all answers
2 comments
HBF
HBF T.HBF
Anthony G.
Anthony G.
Sue K.

Sue K.Perth, WA

Waste of Time Hbf Outpost

published

Went to a hbf booth conveniently located at a shopping centre near me.
Was told by the customer service officer that “ they don’t process claims here”.
Consequently there was no one at the booth except for three staff who were chatting and laughing. What a waste of policy holders money. No wonder premiums are so high!

Plan CoverageHospital and extras
Coverage TypeFamily
Under 30No
Claim MadeNo
See all answers
1 comment
HBF
HBF T.HBF
Mark

MarkSouth East Queensland, QLD

  • 2 reviews
  • Verified customer

Don't get sold into the non for profit idea

published
Transparency
Customer Service
Value for Money
Plan CoverageHospital and extras
Coverage TypeSingle
Under 30No
Claim MadeYes
Claim Resolution Time2-4 weeks
Claim DateNovember 2019
See all answers

Heartless Hospital fund......... .HBF

published
Transparency
Customer Service
Value for Money
Plan CoverageHospital and extras
Coverage TypeFamily
Claim MadeNo
See all answers
2 comments
HBF
HBF T.HBF
Grant Lilleyman
Grant Lilleyman
Caroline

CarolinePerth

  • 3 reviews

Crap customer service

published

Rang today to talk about deferring a scheduled payment as I have done this before with no problem. Explained to Bronwyn what was done before and she said Oh No I can't do that as I am only part time. Boohoo, how about offering to get someone who is fulltime to call me and arrange a payment. She was not interested in helping and will now definitely be looking at swapping funds

Transparency
Customer Service
Value for Money
Plan CoverageHospital and extras
Coverage TypeFamily
Claim MadeNo
See all answers
2 comments
HBF
HBF T.HBF
Caroline
Caroline
Health Insurance

Find out how HBF Health Insurance compares to other Health Insurance

Know better, choose better.

Compare all

If I could rate HBF a minus zero I would!

published
Customer Service
Value for Money
Plan CoverageHospital and extras
Coverage TypeFamily
Claim MadeNo
See all answers
1 comment
HBF
HBF T.HBF
Vass

VassPerth, WA

  • 4 reviews

Payment

published

HBF told me they will not accept cash as payment anymore I have paid my insurance cover with cash since 1981 now they refuse to accept it reading online seems you can only pay by direct debit which does not suit me or by credit card which I don't believe in they don't say. You can pay with EFTPOS after 38 yrs they treat you like your a nobody new fatcat in charge needs to line his pockets.

Customer Service
Plan CoverageHospital and extras
Coverage TypeSingle
Claim MadeYes
Claim Resolution Time2-4 weeks
See all answers
4 comments
HBF
HBF T.HBF
Vass
Vass

I don't have a cheque account your answer about staff is a load of crap it's about reducing staff at the HBF branch's why don't HBF have EFTPOS in the branch's ?

HBF
HBF T.HBF
Carolyn

CarolynGreater Melbourne (Metropolitan), VIC

False and misleading policy cover

published

Required a breast reduction costing $9K (including anaesthetic). Policy shows that breast surgery is covered. Badly needed as always at chiropractor and physio which I'm sure HBF could see I was attending. Had the surgery and got a measly $364 rebate from 7K. Absolutely atrocious. My monthly premium for more than that. Why say you are covered when clearly you are not. Young man on phone was quite rude when I queried this. Definitely looking for new private health cover... bye bye

Plan CoverageHospital and extras
Coverage TypeFamily
Claim MadeYes
Claim Resolution Time1-2 weeks
Claim DateJuly 2019
Claim ApprovedYes
1 comment
HBF
HBF T.HBF

Long Term Customer with 6 polices

published
Transparency
Customer Service
Value for Money
Plan CoverageHospital and extras
Coverage TypeCouple
Claim MadeNo
See all answers
Yann

YannSydney, NSW

  • 2 reviews

Useless

published

HBF did not refund my claims on my Bank account as they used to do.
The cash got transfered on another bank account and now I need to deal with it.
Useless service and useless company

Transparency
Customer Service
Value for Money
Plan CoverageHospital and extras
Coverage TypeFamily
Claim MadeNo
See all answers

HBF Think about it very carefully.

published

We had been with HBF for over 20 years. I needed a prostatectomy because of aggressive cancer. The latest technology was to have the surgery using the Da Vinci method. In its wisdom HBF decided they don't cover for such technology and I was forced to pay the $7000 myself. They would not contribute one dollar.
A disgusting immoral company to say the least. You are warned!!

Transparency
Customer Service
Value for Money
Plan CoverageHospital and extras
Coverage TypeCouple
Claim MadeYes
Claim ApprovedNo
See all answers
Health Insurance

Find out how HBF Health Insurance compares to other Health Insurance

Know better, choose better.

Compare all
SAW0

SAW0Perth, WA

Terrible Customer Service

published

Experience with HBF customer service was terrible. Not only was on hold on multiple occasions (phone call took 42 mins) I was unable to receive the information I required. Originally told that the information will be provided within 13 days of submitting the enquiry, upon follow up I was told they cannot provide now. Had I not rang back, I would still be waiting without any notification from HBF. I've held my policy with HBF for over 10 years virtually without a claim and they cannot simply provide customer service when required!

Transparency
Customer Service
Value for Money
Plan CoverageHospital and extras
Claim MadeNo
See all answers
1 comment
HBF
HBF T.HBF
Rachelle C.

Rachelle C.Perth, WA

Warning: Worst Health Fund

published

After my direct debit was declined HBF sent emails to my old work address and because there was no reply they cancelled my health fund without telling me. When I asked why they didn't ring me they simply replied they didn't think of it because they'd emailed me. What if i needed urgent hospital cover or something serious?? I can not believe my "trusted health fund" who I put my health in the hands of, didn't think to call me on the phone to let me know they could no longer debit my account? They couldn't even explain why as there was funds in there. Absolute joke. Worst customer service and zero common sense. Happy to be moving to another health fund who i can trust with something as serious as my health.

Transparency
Customer Service
Value for Money
Plan CoverageHospital and extras
Coverage TypeSingle
Claim MadeNo
See all answers
1 comment
HBF
HBF T.HBF

Hi Rachelle,
I noticed we have already answered your post on another channel. If it isn’t resolved to your satisfaction, please call us on 133 423 or contact us on your preferred channel of communication.
-Lachy

LeahJ

LeahJSydney, NSW

  • 7 reviews
  • 1 like

Do not recommend, will be switching health funds

published
Transparency
Customer Service
Value for Money
Plan CoverageHospital and extras
Coverage TypeFamily
Claim MadeYes
Claim Resolution Time<1 week
Claim DateMay 2019
Claim ApprovedNo
See all answers
1 comment
HBF
HBF T.HBF
Darren

DarrenSydney, NSW

ABSOLUTE SCUMS

published

Been with HBF for years and have never made a claim. You ask one tiny favour or a show of good faith and it's not even considered. WARNING DO NOT GO AHEAD WITH HBF!

Transparency
Customer Service
Value for Money
Plan CoverageHospital and extras
Claim MadeNo
See all answers
Patricia

Patriciaperth

  • 3 reviews
  • 3 likes

Terrible customer service and incorrect set up of policy

published
Customer Service
Value for Money
Plan CoverageHospital and extras
Coverage TypeFamily
Claim MadeNo
See all answers
Page 1 of 10

Questions & Answers

Max

Maxasked

Is Avapro 75 mg on the HBF schedule?

No answers
Renae

Renaeasked

will HBF cover cancellation of flights if you and your family get struck with gastro and can't make your flights?

2 answers
Lucia T.
Lucia T.

I have saved up $600 in my 'Gap Saver' account.
I have very suddenly experienced severe financial hardships that I must attend to immediately.
Please can you let me know asap, (within W.A hbf & banking hours), today if I can withdraw part of the $600 I've saved up?

HBF
HBF T.HBF

Hi Lucia, GapSaver can't be withdrawn as cash. So we can try help, please give us a call on 133 423 or start a LiveChat with us at hbf.com.au

Best regards
Sam
The HBF Team

mambogirl

mambogirlasked

Hi can you claim a MRI scan ? As outpatient - Dr referral

No answers

Get an answer from our members and HBF representatives

ProductReview.com.au has affiliate partnerships. These do not influence our content moderation policies in any way, though ProductReview.com.au may earn commissions for products/services purchased via affiliate links.