HCF Health Insurance

very disappointed in this fund. when i needed them they failed me. item 651 re-cementing a crown is not covered under major dental. how am i supposed to know that??? they was never any mention of "not covered items" when i signed up...not one word. in an emergency like losing a crown that i needed to get repaired soonest i had no idea my "major… Read more

dental" cover was in any way restricted. HCF you just lost another customer thru your outright deception

I have been with HCF more that 25 years, hospital cover is great, but Extras pharmacy benefits return is disgusting, i have made a claim for Monjaro pen the cost was 390.00 i got back 50.00, where other health fund covering almost 75-80% of the cost Show details

Hopeless is an understatement! They should spend more time looking after their members than those st^pid Advertisements on TV. I have moved back to my old Health Fund and after 3 months I get a notification that my premiums are going to be as if I have never held Private Health Insurance as HCF WON"T release a previous cover certificate. After a… Read more

phone call and no excuse why the delay or refusal, I was issued with a certificate after refusing the 24 - 48 hour period to generate one as I need pain assistance on my knees. I now have to wait another week for my new Health Fund to process this certificate which is ridiculous as they also informed me upon rejoining that "we take care of everything" which has turned out to be inaccurate. Not happy Jan!!!

Terrible service just started with them. They don’t return calls when they say they willl. They didn’t cover a $29 dentist bill that I paid out of pocket no explanation had to RT ing several times calls never returned when they were suppose to I went back to HBF paying little bit more but least they get things done Show details

Rejoined in 2025 and had one issue after another. Would certainly not recommend this company. Their advertising is a farce and they have a complete lack of integrity. Its why they were given the Choice Shonky's award. Show details

I switched from Medibank to HCF a few months ago with Top Extras for my entire family including my under 30 yrs adult children. I was promised switching to HCF our cover would be the same if not better. It has been the worse decision I ever made.… Read more

HCF top extras is nowhere near or even close to Medibank. Our out of pocket expenses is double and previous covers we always had are bare minimal or non existent (read the very fine print)We will be going back to Medibank for the extra monthly amount. Don’t trust the comparison companies that say they can save you money by offering the equal or better cover, they’re just after their commission at the end of the day.

Fantastic experience with Heet! We recently had to contact HCF regarding our policies and were lucky enough to speak with Heet. He was incredibly helpful, patient, and sorted everything out for us in no time. It’s great to see a health fund that employs such high-quality staff who actually care about their members. Highly recommend! Show details

Best health insurance fund! Great value, efficient claims processing Best cover, Caring and Empathetic Pre and post op checks and followups! Go compare Silver plus with BUPA who exclude vital procedures! Show details

HCF is the best Health insurance company ever. I have previously been with numerous other health insurance company’s over the years and have never been as easy and as pleasant to deal with as what HCF is. Not for profit health provider HCF is the only one to go with. I would highly recommend as they are a 10 out or 10 Health Insurer. Show details

HCF genuinely operates like they’re allergic to competence. I switched funds two weeks before my next payment, my new fund requested the clearance certificate that same day, and somehow HCF still managed to snatch the payment anyway. When I called, they didn’t even bother pretending — just a pile of excuses about being ‘busy’ and only getting… Read more

around to it today. If this is their idea of service, it’s no wonder people leave. I wouldn’t go back to HCF if they paid me. Dealing with them is a full‑time nightmare.

Absolutely hopeless, staffed by incompetent disinterested young employees. It took 5 calls and a complaint email to finally cancel my membership and receive a refund from premiums which had been paid in advance, then another angry call to get the Clearance Certificate issued. First call -after saying I want to cancel my insurance…. Umm ahhh do… Read more

you have any pre-existing conditions ? What ? yeah Tourette’s Second call- Just checking you have cancelled my insurance, I was told the turnaround would be 3-5 days… yeah well it’s not 5 days yet is it. Third call -day 5…can you confirm you have stopped future direct debits and have processed my refund and are issuing my clearance certificate. .. umm we are waiting for funds to clear… what do you mean, you took a DD payment 6 business days ago.. umm ahh yes the funds haven’t cleared yet. WTH? Can I speak with your supervisor please… on hold for 5 minutes… they are not available and you can’t speak to them directly but I can process a request for a call back which can take 24-72 hours… why can’t you just process a cancellation ? Complaint email sent. Fourth call… #*^%€£ !! Fifth call, you’ve processed the refund but Still haven’t issued my clearance certificate #*^%€£ !! How bloody hard is it ? The extras rebates weren’t that good either and premiums kept increasing. Your customer service and administrative delays are so appalling I’d hate to have to deal with your company to process a hospital admission. Hint: spend less on tv advertising and use the savings to hire and educate quality employees. Shame on management for letting this culture exist

I have hospital cover i have paid my excess for the year. I don't have cataracts cover as I didn't have it before. I understand hcf won't cover the cataract surgery. What I object to, is , they won't cover the hospital either. Ripped off big time! Show details

I had switched to another fund after 13 years with HCF but, after one of their consultants called me, I was prepared to switch back at a reduced premium. But I couldn't believe what happened next when I dialed in to accept the deal. Twice I was switched to another department which never answered. On both occasions, a recorded message asked me to… Read more

complete a customer satisfaction survey without having any customer support. So I gave up trying to call. It was taking too long on the phone. HCF was once a good choice but if they can't handle customer support for a member rejoining, I feel I may as well stay with the other fund whose premiums are $45 per month less for similar cover but not quite the same cover. In this instance, HCF shot itself in the foot and missed the chance to regain a customer.

I’m genuinely disappointed with how HCF handled what should have been a very straightforward enquiry. I contacted HCF simply to clarify whether a sitz bath used for post-surgical treatment could be claimed under their artificial aids and appliances benefit. Initially, I was told it was not claimable. When I asked why, I was then provided with a… Read more

list of criteria an artificial aid must meet - criteria which a sitz bath appeared capable of satisfying.

These included that the item: • is intended for repeated use; • is used to alleviate a medical condition; • is not useful in the absence of illness or injury; • is supplied by a reputable supplier; and • can be authorised by a treating practitioner.

When I pointed out that a sitz bath appeared to meet those criteria, HCF repeatedly responded only by saying it was “not an approved appliance,” without ever explaining why or identifying which criterion it supposedly failed to meet.

After multiple emails, the substantive question was still never answered.

This seems inconsistent with HCF’s own Member Service Charter, which promises to: • “explain our answers and actions clearly”; • “work through your options with you”; and • provide “straightforward, relevant information.”

Members deserve transparent answers, especially when policy criteria are provided that appear inconsistent with the final outcome.

I had been with HCF for over 20 years. I was trying to upgrade my extras cover to family private health. The first time I called and got a quote, was great, discussed with my partner and then when I called back to lock it in was told the first person who did the quote did it wrong and we were required to pay more. Was annoyed but figured it was… Read more

just human error. Called back again, spoke to someone else to proceed with the quote, the second person had actually quoted the wrong package and it was going to be another $40 more each month. I was just furious, how can they actually get this so wrong. They have all the info there, I don't get it. Cancelled my previous cover on the spot. They guy was not empathetic, didn't try to even resolve the situation, was just like, ok, no problem, I've cancelled your membership.... Terrible service and absolutely no care for their customers. Disappointing!!

After moving from Bupa to HCF to save money, its been nothing but an ongoing nightmare. They didnt do the clearance certificate properly, completely leaving off our kids. 1 kid is going in for surgery and they have done everything in their power to make things difficult. They even had his DOB incorrect even after we had to quote it multiple times… Read more

to clarify who he was on the phone, when battling the ongoing issues. Once this surgery is done, we will be leaving them. What a nightmare!!!!

Keep you un-informed , about the amount they will pay you. For surgeon cost they pay only zero dollar if that helps. It's better to pay out of pocket and do the surgery rather waiting 12 .months and at the end you only get 500 in rebate Bulllst service in terms of providing full information Show details

I contacted HCF to specifically ask if I signed up, a preventative procedure as recommended the world over, would be covered after the initial 2 month waiting period. The answer was 'Yes'. When I sent to claim the expense, I was advised it was "Pre existing", noting that I had been with HCF previously, and that I have been advised to have this… Read more

procedure every five years. When I responded with these facts, plus that there had been no evidence of early stage health alerts for sixteen years, the response was, "It was pre existing, from 16 years ago". Don't waste your money with these clowns.

Absolutely hopeless. I think AI is involved in the processing of extras claims using the app. My Mid Extras entitles me to $100 off vaccines and it still says so in my app. I got the Hep A and Hep B vaccine on Sunday. The Hep A was $91.90 and the Hep B was $57.90. I was expecting to get $50 refunded for each one. My claim was rejected because my… Read more

“limit was reached”, yet I have not claimed any vaccines this calendar year. They now tell me I used a receipt from last year. I did not. I sent a photo of the receipt I got on Sunday for the two vaccines I got on Sunday. The app seems to be attaching the pharmacy receipt I used for a claim last year.

I have tried to cancel a policy for a dead parent while keeping my cover with them active. I'm paying for both policies. Was grilled extensively as to why Im cancelling mums policy. It was palliative hospital cover. Grilled, and as soon as I said we don't need it, shes dead, they jumped back with the need for a death certificate, even though I'm… Read more

paying for her policy and offered other evidence from a doctor to prove she had passed. Straight away, "now you've told me that Im not cancelling your mothers policy." They want me to wait what could be 6 weeks for a death certificate, paying around $100 every fortnight from my bank account for my mother whos passed ,whilst living on a pension. Im at the point of just getting the bank to cancel both, as we can't just cancel one, and Im taking up cover elsewhere. Be very careful what you tell HCF because they try to catch you out, and if they can catch you out, they will keep taking out the money for as long as possible and refuse to cancel the policy. Im going to try cancelling all HCF payments directly at the bank and go elsewhere. No sympathy, just rubbing their hands together.

Outrageously dysfunctional IT systems are making any interaction with HCF a frustration. I tried to submit a claim. The HCF app routinely times out on ANY click. Spinning wheel, then after a minute a Retry button. Clicking on the Retry button does absolutely nothing: the screen does not move. I am not sure what it's doing and how the app has… Read more

passed the QA.

I tried the website. They have Two-Factor Authentication enabled. The site says: we sent text to xxx... there's nothing. Tried 10 times, to no avail: I receive no code even though my phone number is correct.

I tried the Chat on the website. An AI bot has ended the interaction abruptly after my first question with no hint for me what to do. Rude.

I tried Phone. After waiting for 30 minutes of playing annoying and irritating ads, I was lead straight to an auto survey "How satisfied I am with my call, press 1 to 5"... wait a moment, I WAS NOT EVEN ANSWERED BY A HUMAN!

After 1 hour of sweating, I am giving up: there is no way of submitting a claim that works for me.

We attempted to change to HCF based on a recommendation from iselect….what a nightmare….we were misled, lied to, fobbed off and were so unhappy with HCF's attitude and ethics we cancelled the policy before it started….2 weeks and 5 phone calls later we are still being fobbed off, lied to and are still chasing our substantial refund…jumping through… Read more

every hoop imaginable…why, because they are a big corporate and they can…would never ever consider them again

Update : 2 and a half weeks in, 6 phone calls now, and more lies, deceit and unwanted patronizing. They still have our money (many thousands of dollars) as at 7/3/26 and now claim that it was sent on 27 March, when on 2 April the call centre claimed it was being sent then!....and in order to keep our money longer they deleted our claim payment details (bank account details) so they could send us a letter through the post asking for bank details!....you would not believe a word that this company says....what is very distressing is we paid up front, in good faith, and they have since taken us to the cleaners.....ethics 0/10

Signed up to HCF then found a better health policy. Tried to cancel within the cooling off period subsequently rang them up to do so. After 15 minute wait spoke to a representative for another five minutes and was grilled as to why I wanted to cancel. Then told I had to speak to someone else in another department. Went through the whole story… Read more

again and was told that HCF had alternate options. I said I had done the research and the alternate fund was better for me. He wouldn’t listen and kept babbling on. After another 10 minutes I finally hung up. After that I received a message stating that as we had not gone through the whole procedure my membership would remain unchanged and that I would need to go through the whole procedure again. Is this how HCF do business, appalling customer service. I was on the phone for over 30 minutes with no result.

Almost impossible to contact via phone or message. Their AI assistant is useless. When you finally wade though 10 minutes of irrelevant advertising drivel and are put on hold for an interminable time, they continue to bombard you with even advertising drivel. No call back option , their service is atrocious. Show details