HCF Health Insurance

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!

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.

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!

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

The new receptionist at our dentist made a mistake on claiming a wrong item number, which she immediately cancelled the claim on the day. She showed and gave us a cancellation little slip printed out from the Hicaps machine. When we went home, checked on the app, the claim wasn't cancelled/adjusted. Called HCF, a gentleman said our dentist needed to reverse it by submitting a reversal form, which I then asked our dentist to do so. Form was sent, our dentist sent us an email from the claims department of HCF, that she did not believe a form was ...

Where: HCF Branch Cannington, Western Australia
Person who showed the door: None other than the Branch Manager
Incident:
……. visited the Branch to seek help in getting a surgeon who does not charge gap fee. I tried myself on the HCF website but could not find any. Tried contacting HCF Booragoon (08) 9315 2243, no answer despite holding line for 15minutes, then tried Cannington Branch (08) 9318 4540 no answer. Finally, tried HCF customer service 13 13 34 and held line for good 20minutes – no answer.
After all this frustration, thought maybe I sh...

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.

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

I went to the website and use contacted them through contact us page. I have purchased visitor health insurance they took my money from my account after they told me I will receive confirmation email within 45 min and they have given me Clint number after 24 hours i have checked my email I didn’t receive any confirmation email. I straightaway rang them and gave them my Clint number they don’t know anything about the policy and they keep transferring one place to another per time wait was over 30 min and I had to tell them the same story that I...

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!!!

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

Had been with them for about 2 years with top-tier hospitalisation and extras. When items are deductible thru service providers, there are no problems. When i tried to make a claim thru HCF, processing has not been done after 1 month and no reason was given and, no one, not even person with authority has responded.

I agree with a recent review posted here that some claims are delayed for no good reason whatsoever. I tried calling them 3 weeks after my claim was sent and was told that it "just take another couple of days as the claim was fi...

I’ll be straight up here. You get what you pay for!

HCF offers really affordable extras cover, with great limits. But that’s really the extent of what’s great… everything else is just so poorly managed. The mobile app is a joke, the Apple AppStore feedback has been so negative for so long, yet they insist on still using the same rubbish app.

Mobile claiming is difficult and I find that the same claimable item will be approved by one person, and the declined by another. When you call, you’re speaking to people that literally have no idea what...

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.

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.