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HCF Health Insurance

HCF Health Insurance

3.0 from 563 reviews · View Statistics
See the Best Health Insurance in 2022 as rated by Australians on ProductReview.com.au.
Listing monitored by HCF

Reviews

  • Value for Money
    2.6 (174)
  • Transparency
    2.3 (152)
  • Customer Service
    2.4 (181)
  • Claim Resolution Time
    • <1 week (40)
    • 1-2 weeks (15)
    • 2-4 weeks (8)
    • 1-2 months (11)
    • 3+ months (10)
  • Claim ApprovedYes (50) · No (44)
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Reza Blazevic
Reza BlazevicGreater Melbourne (Inner), VIC
  • Verified

Customer services for loyal customers

published

HCF doesn’t seem to care for loyal long term customers they’ll take my 7% discount & health dollars, charge more to add something under hospital cover & apply 12 month wait period (I don’t mind 6month but don’t see why I need 12month) & then change my policy so I’d loose some services I have now gee thanks HCF health insurance Australia…….Guess you don’t care about my health after all according to your mission statement & don’t want to help me get the most from my health fund after 16yrs with hardly any claims!

Value for Money
1/5
Transparency
1/5
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Joanna Kingston
Joanna KingstonFar North Queensland, QLD
  • 2 reviews
  • 2 likes
  • Verified

Refuses to send transfer certificate

published

I served all my waiting periods with this insurer but as they were too expensive, and refused to rebate most of my extras claims, I decided to switch. I'm pregnant and my new insurer needs my transfer certificate to verify I have served my obstetric waiting period. They refuse. They have said they will do it, but I still haven't received it. This has been going on for two months now, so I will now be going to the ombudsman and hopefully they will be being fined because right now, I have no medical care for my pregnancy. I will never, ever use these monsters again.

Incentivised Review No
Claim Made Yes
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Roshan
RoshanCraigieburn
  • 5 reviews
  • 2 likes
  • Verified

Kept billing my card even after policy end date! Dodgy business!

published

bought an overseas visitor cover for parents, but even after they left, they kept billing my card for months while i have clearly stated the end date of policy!!! Now they tell me to fill in forms and submit because i am not authorised to cancel so cannot cancel but continue billing me. Very dodgy company! Avoid!

Value for Money
3/5
Transparency
1/5
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S t.
S t.
  • 2 reviews
  • Verified

Top extras not that top

published

HCF had voucher to spent on diet say Jenny Craig now they only support assessment but I would like to buy food not assessment.
I know what I need.
I want my extras to spent on healthy food not on healthy advise which I already know .
I have $200 on top extras to spend. and I would like to claim on healthy food. Otherwise insurance is useless

Value for Money
1/5
Transparency
1/5
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Kamfa
KamfaGreater Melbourne (Metropolitan), VIC
  • 2 reviews
  • 1 like
  • Verified

So messy with their system, no one really cares even you sent complaints

published
Value for Money
1/5
Transparency
1/5
HCF
HCF T.HCFSend a private message

Thank you for your review, we’re sorry to hear about the experience you have had. If you can email us your details to complaints@hcf.com.au we can look into this for you. Many thanks Anna @ HCF

Kamfa
Kamfa
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Krishan Gupta
Krishan Gupta
  • 4 reviews
  • 2 likes
  • Verified

HCF: Open arms welcome before joining AND Doors shown when it comes to claiming

published
Value for Money
1/5
Transparency
1/5
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Josh
JoshSydney Surrounds, NSW
  • Verified

Unprofessional, inconsistent, untrustworthy...

published

Intenionally Dishonest, intentionally unorganised = corrupt. Continue to charge direct debit monthly, but claim it only provides coverage of 7days per calendar month. So when we finally goto claim a measley dental check up for our kids, we can't use our coverage because the upcoming direct debit is not yet due. Sorry nothing we can do to help...huh are you stupid? Clearly your system has an error, off shore call centre or not. Why can you not understand that a monthly direct debit should cover us for a month, not 8 days.

Value for Money
1/5
Transparency
1/5
Similar opinion? Write a review on ProductReview.com.au!

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Next
  • Verified

TERRIBLE Insurance

published

We bought a health service policy. We set direct debit 5 days after policy start date. On the following month, we lodged a claim, then get declined. They said the claim is few days before direct debit date. Then they just dont want to pay for the claim. If I want to get claim, I need to pay them first. I am very upset with this insurance. I canceled my policy straight away

How terrible is insurance !!! Not reccommended

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Value for Money
1/5
Transparency
1/5
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Sajj
SajjGreater Melbourne (Outer), VIC
  • 2 reviews
  • 1 like
  • Verified

Scam company they will play with you spatially if you are on visitors visa. Big no to this insurance company

published
Value for Money
1/5
Customer Service
1/5
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Michael Duggan
Michael DugganGreater Melbourne (Metropolitan), VIC
  • 44 reviews
  • 21 likes
  • Verified

Terrible customer service, terrible dental practie

published

Claims are paid quickly so all good there. Very slow to pick up the phone when calling them to change payment details, 15 minutes and counting...and their dental practice on Collins street, not worth the time. Fillings fell out twice!!!

Value for Money
3/5
Transparency
2/5
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kamal d.
kamal d.Victoria
  • Verified

Dont Buy Very Not Good

published

Totally waste time I buy after cancel not refund very bad service I had very bad experience. Says send email again and again
Totally waste time

Value for Money
1/5
Transparency
1/5
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  • Verified

ITEM NOT PROCESSED AFTER 1 MONTH. SERVICE IS INCONSISTENT AND STRESSFUL

published
Transparency
2/5
Customer Service
2/5
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Health Insurance

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Matt R
Matt RAU
  • 28 reviews
  • 26 likes
  • Verified

Value for money, and decent coverage. Everything else shocking!

published
Value for Money
5/5
Transparency
2/5
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Alex
Alex
  • 11 reviews
  • 7 likes
  • Verified

Government failure on display - we cover you, but we can't tell you where to get cover

published

Informed that HCF provides health cover for massage therapy and psychology.
But, HCF will not send you a list of providers that provide this service. Why? "We cannot email you"
How you can offer a service and charge customers for the service, if you refuse to inform customers where the service can be redeemed? Seems like fraud.

Value for Money
3/5
Transparency
1/5
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Mike
MikeForrest 2603, ACT
  • 3 reviews
  • 3 likes
  • Verified

Better Off Burning Your Money

published

No value for money whatsoever.
Constantly increasing premiums.
On the very rare times that you may need to make a claim - such as a dental check up once per year, they won't cover the full amount anyway.
Paid ~$300 per month for 5 years. Claimed only dental check ups once per year. Still well out of pocket.
They intentionally make the Extras policy convoluted so you are never sure if you will breach a cap.
When you call to discuss options for alternate coverage, they are condescending and rude.
I suggest setting fire you to your money instead of giving it to HCF.

Value for Money
1/5
Transparency
1/5
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Questions & Answers

Anthony B.
Anthony B.asked

Dental costs

1 answer
Krishan Gupta
Krishan Gupta

I have not used for dental care so far, hence I can not comment upon this one

ian h.
ian h.asked

hello

No answers
ian h.
ian h.asked

are weight loss retreats covered

No answers
See all HCF Health Insurance questions

Get an answer from our members and HCF representatives

Details

CategoryHealth Insurance
Other Insurance Types Offered Income, Pet and Travel
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  • AHIFC: HCF

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