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HBF Health Insurance

HBF Health Insurance

1.6 from 221 reviews · View Statistics

Reviews

1.0

8 reviews
5
(0)
4
(0)
3
(0)
2
(0)
1
(8)
  • Value for Money
    1.3 (6)
  • Transparency
    1.0 (5)
  • Customer Service
    1.3 (6)
  • Claim Resolution Time
    • <1 week (1)
    • 1-2 weeks (2)
    • 2-4 weeks (1)
    • 1-2 months (1)
    • 3+ months (1)
  • Claim ApprovedYes · No (8)
Previous
Next

Legal loophole of tricking people and stealing their money

published

I am a very healthy individual. Got myself a bronze plus cover, the list on their website includes "Dental". However, at the time of claiming I was advised that my cover doesn't include dental. The only logical explanation to this is that they exist only to rip people (in need of help) off!

Value for Money
Transparency
Customer Service
Incentivised ReviewNo
Claim MadeYes
Plan CoverageHospital and extras
Coverage TypeSingle
Under 30Yes
Claim Resolution Time1-2 weeks
Claim ApprovedNo
1 comment
HBF
HBF T.HBF
Frank Health Insurance

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Max

Max

  • 4 reviews
  • 6 likes

Still waiting for call from management.....

published
Incentivised ReviewNo
Claim MadeYes
Plan CoverageHospital and extras
Coverage TypeFamily
Under 30No
Claim Resolution Time1-2 months
Claim ApprovedNo
4 comments
HBF
HBF T.HBF
Max
Max
Max
Max

At least switching insurers is easy...I have now left HBF..amateur hour..you just dont need the stress of chasing up claims and dealing with an organisation that you have no faith in.

Sparky

SparkyPerth, WA

HBF don't pay for "reasonable" claims

published
Value for Money
Transparency
Customer Service
Incentivised ReviewNo
Claim MadeYes
Plan CoverageHospital and extras
Coverage TypeFamily
Under 30Yes
Claim ApprovedNo
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Jeremy Parsons

Jeremy Parsons

  • 3 reviews
  • 2 likes
  • Verified

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.

Value for Money
Transparency
Customer Service
Incentivised ReviewNo
Claim MadeYes
Plan CoverageHospital Only
Coverage TypeFamily
Under 30Yes
Claim Resolution Time1-2 weeks
Claim DateFebruary 2020
Claim ApprovedNo
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.

Incentivised ReviewNo
Claim MadeYes
Plan CoverageHospital and extras
Coverage TypeFamily
Under 30No
Claim Resolution Time2-4 weeks
Claim DateFebruary 2020
Claim ApprovedNo
2 comments
HBF
HBF T.HBF
Anthony G.
Anthony G.
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Next

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!!

Value for Money
Transparency
Customer Service
Incentivised ReviewNo
Claim MadeYes
Plan CoverageHospital and extras
Coverage TypeCouple
Claim ApprovedNo
Frank Health Insurance

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LeahJ

LeahJSydney, NSW

  • 8 reviews
  • 3 likes

Do not recommend, will be switching health funds

published
Value for Money
Transparency
Customer Service
Incentivised ReviewNo
Claim MadeYes
Plan CoverageHospital and extras
Coverage TypeFamily
Claim Resolution Time<1 week
Claim DateMay 2019
Claim ApprovedNo
1 comment
HBF
HBF T.HBF
roberiquez

roberiquez

  • 4 reviews
  • 2 likes

HBF health insurance did not honour their policy with us

published

They paid doctors to write reports contrary to the findings and diagnosis from our surgeon and GP.
The in-house HBF doctor never met with us.
The in-house HBF doctor is hidden behind the scenes (no names or qualifications are disclosed)
Its cheaper for HBF to re-write the facts than to pay out.

Policy not worth the paper it is written on.

Value for Money
Customer Service
Incentivised ReviewNo
Claim MadeYes
Plan CoverageHospital and extras
Coverage TypeFamily
Claim Resolution Time3+ months
Claim DateJanuary 2019
Claim ApprovedNo
2 comments
HBF
HBF T.HBF
roberiquez
roberiquez
See all HBF Health Insurance reviews

Questions & Answers

shirvan

shirvanasked

Can I claim through HBF Australia wide

No answers
diamus

diamusasked

I am on HBF Silver cover. I know Gastric Sleeve surgery is not covered but does HBF pay anything toward the hospital stay, anethsaetic costs etc

1 answer
HBF
HBF T.HBF

Hi Diamus, thank you for your question.

Without being able to access your policy, I am only able to provide general information. If something is an exclusion on your policy, unfortunately, we will not be able to pay benefits towards any part of the treatment.

If you would like to look more into your policy inclusion, please feel free to call us on 133 423, or chat with us at hbf.com.au - Cinta

Davidg

Davidgasked

Why is the gap saver no longer available?

1 answer
HBF
HBF T.HBF

Hi Davidg, thank you for getting in touch!

We proactively review our health cover offering, which can lead to us making changes to our suite including closing certain products for sale. In 2019 we reviewed our suite and decided to close Gap Saver to new sales. This cover option is still available to those who held it at the time it was closed.

If you have any further questions, please do not hesitate to give us a call on 133 423. -Bella

See all HBF Health Insurance questions

Get an answer from our members and HBF representatives

Details

CategoryHealth Insurance
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