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HBF keeps taking your money ..despite stopping direct Debit???
Even after submitting and requesting to solve the issue ,
I was promised that the direct debit would be stopped while they resolve my accounts issue,
Yet they went about with another deduction incurring me more charges???
I have been waiting from Last year December.. always giving me the run around , having to start explaining the whole situation and resubmitting all the documents again and again to different person each time.
Crazy direct debit deductions, that doesn't add up .way more than the initial policy .Going back and forth, for hours o...
Disgusting Ad using our Australian animals
Disgusting Commercial not funny at all, my children didn’t need to see this from our Australian animals. Please remove your commercial I will never deal with your disgusting company again
With HBF for over 30 years.
I was covered by my parents policy as a child when health insurance was more of a luxury than the necessity it is these days. As a uni student I switched to my own policy after I realised the true value and relief of cover after HBF covered my emergency surgery.
My policy ceased for several years whilst living in Syd and now that I am back in Perth I've returned to HBF for the last 7 years.
I love HBF. The customer service is excellent whether in store or on the phone.you've got flexibility to amend your policy to suit your needs - you just need to ask about your options. The website and app are excellent.
I am so pleased with them that I will never leave them - unless I move overseas.
They do not have any concern for fdv and engage in promoting it
HBF changed my car insurance out of my name given that they knew we were seperate and it was acrimonious.
They took it on his work
Plus they also canceled my health insurance on cause he asked.
They have no idea or care for fdv
Avoid at all cost
The reviewer stated that an incentive was offered for this review
I’ve been a member of HBF for 64 years with top hospital and extras cover. Recently, on the recommendation of a family member, I decided to try going to an Osteopath for treatment on my back to find this service was not covered by my health insurance. When I contacted HBF I was told I would need to change my level of cover to include Osteo as it could not be added to my existing cover and then I would have a two month wait to claim. Very disappointed in HBF and their lack of compassion and flexibility time to look elsewhere for health insurance.
Beware of the once a year excess
HBF are not OK.
Currently trying to sort out their excess policy.
I have a $500 excess payable once a calendar year and any subsequent hospital visits have no excess. So I need surgery and going in this week even though it is a bad time of the year for recovery as this avoids another excess payment if I wait to the New year. Had a day hospital procedure in Feb this year. HBF paid the doctor etc but have no record of the excess being paid as the excess goes straight to the hospital. They ring the day hospital who tell them yes I paid the excess....
Like many of the reviews here I too felt mislead, I agreed to an upsale on a policy as it was implied I would get better value for money. Turns out this wasn't the case. Just glad I never had to claim anything from them as I can only imagine what type of nightmare that would be.
Throw your money in a monthly basis and they put you down for the most obvious items that must be covered by a health insurance. The customer service agents have conflicting ideas and they are not on the same page about things when you call them.
Legal loophole of tricking people and stealing their money
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!
Not pleased with the inpatient and outpatient
I Pay 66 fortnight and they only cover inpatient.
Went for broken foot and later for blood test to GP and noting was cover because it outpatient. I don't care how they to their policy but I need to be able to go to a local GP for that price.
Hard to claim when you need to.
Upgraded to Gold Hospital cover last October 2019. Now I have served 10 months of the 12 months waiting period. Due to health issues, unable to wait till 12 months, so had the procedure done. I have paid 10 months premium of $3300 in total now but unable to claim a hospital fees of $390 from HBF. Reason was you have to serve exactly 12 months before any claim regardless of any medical condition. HBF is such a large corporate company, but very strict on their claim. You probably cannot claim a single dollar if you don't serve your 12 months wait...ing period, no matter how loyal are you to them and obviously no exceptional case. HBF is really very good at their money management, standing hard on this pandemic time. Their motto "We're always here to help'' is a real piece of joke. Don't sign with them if possible. Unfortunately for my case, I have paid 10 months premium, no choice have to stay with them until I claim all my money back or else wasted my $3300 to HBF.
IVF Pregnancy & Dialysis Grouped Together?
Having decided to review my HBF policy I looked at what I did and didn’t need.
I was really surprised to find that I can’t sensibly drop down a category in my hospital insurance because of the way HBF have grouped the cover for medical conditions.
So....even though I am well beyond needing pregnancy or IVF cover if I take them out of my policy I also lose dialysis for kidney failure?? That and weight loss surgery. That is the four things that are different between Silver Hospital Plus and Gold Hospital - Assisted reproductive services, Pregna...
Still waiting for call from management.....
Moved across from Bupa to HBF. Same level cover for extras and hospital. During covid have not used any extras cover as most physios/remedial massage/dentists closed. Chose the 60% extras cover option because it was "simple" to understand. Went to make a claim and was told over the phone that my level of extras cover was increased(it wasnt) and I had to wait 2 months. I asked to speak to a manager. Person on the phone had to get "permission" for this to be escalated, then she came back with the "good news"-I could be contacted by a manager. Tha...t was supposed to happen within 48 hours and I havent heard anything else since. Seems like as soon as you have any questions they run for the hills. Will now be looking to change my insurance...after i go to the insurance Ombudsman!
Dont Use HBF Health Insurance
Customer service is rude, they will delay every chance to rectify a problem. HBF Health staff are friendly during sign up, become difficult and rude when claiming or maintenance on account.
Don't use HBF health insurance
Been with HBF for over 20 years. Recently went in to HBF at Joondalup shopping center to see what could be claimed for my daughter. I have major dental and orthodontics cover.
She has 2 x impacted molars that requires having the gum cut back, rings put around the teeth and braces... $479 per tooth - out of pocket $413 per tooth! Braces $8690 and get ZERO back and would have to wait 10 years to get braces cover???These aren’t the only issues as I seem to get less cover but pay more in premiums!
I asked the women “am I on the wrong cover?” Her r...
Questions & Answers
Can I claim through HBF Australia wide
Hi Shirvan, Thank you for reaching out!
Members can access range of providers throughout Australia however, to confirm that benefits will be payable for your treatment or service you are wanting to claim for, it is best to contact us directly to confirm your coverage and, if you will have any out of pocket expenses.
If you have any questions about how our agreements work, or the benefits you can get back please do not hesitate to get in touch with us. – Chloe
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
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
Why is the gap saver no longer available?
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
Get an answer from our members and HBF representatives
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