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HCF Health Insurance

HCF Health Insurance

3.4 from 436 reviews

Reviews

(199)
(63)
(14)
(23)
(137)
  • Value for Money
    3.3 (65)
  • Transparency
    2.8 (43)
  • Customer Service
    3.4 (66)
armadale 3143

armadale 3143Greater Melbourne (Metropolitan), VIC

  • 4 reviews
  • Verified customer

Beware the Unemployment Assistance Insurance!

published
Plan CoverageHospital and extras
Coverage TypeFamily
Under 30No
Claim MadeNo
See all answers
1 comment
HCF
HCF T.HCF
Amit

AmitSydney, NSW

  • Verified customer

Don't take overseas visitor health cover (OVHC) from HCF

published
Transparency
Customer Service
Value for Money
Plan CoverageHospital Only
Coverage TypeCouple
Under 30No
Claim MadeNo
See all answers
Abs

AbsSydney, NSW

  • 3 reviews
  • Verified customer

Terrible terrible , not providing membership card for 4 months

published

I have joined HCF for nearly 4 months and I still haven’t received the membership card. I have received their letters many times but not a membership card . 1 week after instruction I called and they said 5-8 business days and suggested I will receive it another week. I called again a week and they guarantee I will receive it in 1.5 weeks . Nearly a month since my latest instruction I still couldn’t receive the card . They keep asking me to claim on line but after reviewing many bad comments here I don’t want to risk myself not able To clam the money back. Avoid hcf If you can. They are wasting your time and money

Plan CoverageHospital and extras
Coverage TypeSingle
Under 30Yes
Claim MadeNo
See all answers
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Uthpala J.

Uthpala J.South East Queensland, QLD

  • Verified customer

Useless & Worst Insurance Ever!!!

published
Transparency
Customer Service
Value for Money
Plan CoverageHospital and extras
Coverage TypeSingle
Under 30No
Claim MadeYes
Claim Resolution Time2-4 weeks
Claim DateDecember 2019
Claim ApprovedYes
See all answers
1 comment
HCF
HCF T.HCF
Dan

DanSydney, NSW

  • 3 reviews
  • Verified customer

Stay away from hcf

published

Absolutely disgusting. Have been paying a gold cover for 10 months! I already have been over charged $1300 which took me days to sort it out and make sure I get at least as a credit and now my wife (26yo) have been admitted to hospital with heart problem and they told the hospital that she wasn’t covered. ( brochure says 2 months waiting or 12 for pre existing conditions) I had to call them and spend nearly an hour on the phone to know that I have to do a hell lot of things to get her back in private as it should be! If you can, stay away from hcf!

Transparency
Customer Service
Value for Money
Plan CoverageHospital and extras
Coverage TypeCouple
Under 30Yes
Claim MadeNo
See all answers
1 comment
HCF
HCF T.HCF
Disappointed

DisappointedPerth, WA

  • 2 reviews
  • Verified customer

shifts funding Responsibilities to Medicare where possible

published

Doesn’t cover psychology unless You have exhausted 10 sessions on a Medicare mental health plan. when you have private health cover for psychology you expect to be able to use your private cover without obtaining a doctor referral or using public funding
Also didn’t cover surgeons full cost for surgery

Transparency
Customer Service
Value for Money
Plan CoverageHospital and extras
Coverage TypeFamily
Under 30Yes
Claim MadeYes
Claim Resolution Time<1 week
See all answers
Edward

EdwardLogan City

  • 17 reviews
  • 1 like
  • Verified customer

Not worth One Star

published

Poor service does not describe, just how bad HCF is. I transferred from Medibank Private because of poor phone service, and a dud App, HCF is worse. Long wait s to speak to someone ( apparently in an Asian Call Centre) numerous phone disconnects. I went to make a claim, it was denied, as Medibank had not released my details to HCF, HCF hadn't bothered to anything about it, when I joined the fund, until I complained that my claim had been denied. Over all, a frustrating ,time consuming experience.
HCF App didn't work, until the 6th attempt
To make matters worse, my bank account details, were sent to me via email, for any hacker to see.

Transparency
Customer Service
Value for Money
Plan CoverageExtras Only
Coverage TypeSingle
Under 30No
Claim MadeYes
Claim Resolution Time1-2 weeks
Claim DateFebruary 2020
See all answers
2 comments
HCF
HCF T.HCF
Edward
Edward

READ the One Star Review, it's self explanatory.

Alessandro

AlessandroMillswood

  • 8 reviews
  • Verified customer

Making payments more complicated for members, Our way or the highway!!

published

I have been with HCF for about 6 years or more. I have always paid by internet banking. I have total control of my money. They are now suggesting 3 options, direct debit ( which is controlled by them ) phone every month to pay ( going back 15 years! ) or going into an office to pay ( great for time management) They have taken away the easier option of Bpay. These rules are for Life Insurance policy & Critical Illness Cover. I have hospital, extras & Critical Illness Cover & pay altogether. It's totally ridiculous, it's so simple now & they want to complicate it. Their letter states crap like " we save you time & hassle. Total crap!! Not happy at all. I will look at another provider.

Plan CoverageHospital and extras
Coverage TypeSingle
Under 30Yes
Claim MadeYes
See all answers
1 comment
HCF
HCF T.HCF
beauty.paris21

beauty.paris21Sydney, NSW

  • Verified customer

Thieves

published
Transparency
Customer Service
Value for Money
Plan CoverageHospital and extras
Coverage TypeSingle
Under 30No
Claim MadeNo
See all answers
2 comments
HCF
HCF T.HCF
beauty.paris21
beauty.paris21

Will do thanks.

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  • Verified customer

Working Visa Health Cover

published

I've written a lot of emails and i called a lot of time for do the claim, nobody answers any! i mean NOBODY!!
this is illegal, they should answer and as a customer they should take an action for my claims.

Plan CoverageExtras Only
Coverage TypeCouple
Under 30No
Claim MadeYes
Claim ApprovedNo
See all answers
1 comment
HCF
HCF T.HCF
Glen R.

Glen R.Sydney, NSW

HCF should be ashamed of the way they have treated my family

published
Transparency
Customer Service
Value for Money
Plan CoverageHospital and extras
Coverage TypeFamily
Under 30No
Claim MadeYes
Claim Resolution Time3+ months
Claim ApprovedNo
See all answers
EdB

EdB

  • 2 reviews
  • Verified customer

Not a Good Start with a GP visit

published

I booked for a GP visit at Blacktown Doctors and Medical Centres, only to find out that not all GPs there accepts HCF visit entitlement.. Had to cancel the booking as it would cost me $375, potentially, for seeing Dr Regy Joseph, who do not accept HCF funds for seeing her.

Transparency
Customer Service
Value for Money
Plan CoverageHospital Only
Coverage TypeCouple
Under 30No
Claim MadeNo
See all answers
  • Verified customer

JUNK FUND, RING THEM AND THEY SAY COVERED ONLY TO DECLINE COVER WHEN YOU GO IN. MOST TRUSTED ? DONT THINK SO

published

advised smiledirect and item 825 covered by phone to HCF on 09/10. Purchased item 825 and went to claim 04/12 to be told not covered ?????? Shown internal memo from 13/09/2019 which advised no further cover for smiledirect ???? Paid $7500 in advance for 18 months of cover. If you change cover you should let people know. What a rip off. Note PDS advised Orthodontics covered for correction of teeth and jaws by orthodontist or dentist. Tick and Smiledirect you visit onsite and have scans and moulds done which are then checked by registered Aust Orthodontist or dentist. Tick. YOU GUYS SHOULD BE ASHAMED

Plan CoverageHospital and extras
Coverage TypeFamily
Under 30No
Claim MadeYes
Claim DateDecember 2019
Claim ApprovedNo
See all answers
  • Verified customer

Junk Fund! Pick another provider

published
Transparency
Customer Service
Value for Money
Plan CoverageHospital and extras
Coverage TypeFamily
Under 30Yes
Claim MadeYes
Claim Resolution Time3+ months
Claim DateSeptember 2019
Claim ApprovedNo
See all answers
2 comments
HCF
HCF T.HCF
MHK
MHK

You can see my member number above, you're a disgusting fund who have no right to deal in the way you do

Michael Barter

Michael BarterCentral West, NSW

  • Verified customer

Very upset with how my family was treated by HCF

published
Transparency
Customer Service
Value for Money
Plan CoverageHospital and extras
Coverage TypeFamily
Under 30No
Claim MadeYes
Claim ApprovedNo
See all answers
1 comment
HCF
HCF T.HCF
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Expert

ExpertSydney, NSW

  • 4 reviews
  • 3 likes
  • Verified customer

Terrible Regional Manager with no concept of customer service

published

Walked into a branch and was treated with an attitude before hello. Not a friendly smile or even a firm handshake.
This is from the top Regional Manager? Clearly setting an example template for other employees to follow. Stay away from HCF there are simply other companies who care to have your business.

Transparency
Customer Service
Value for Money
Claim MadeNo
See all answers
1 comment
HCF
HCF T.HCF
Joy C.

Joy C.Western Australia

  • 3 reviews
  • 3 likes
  • Verified customer

Disgusting -- using your credit information to open multiple accounts

published
Transparency
Customer Service
Value for Money
Plan CoverageHospital and extras
Coverage TypeSingle
Claim MadeNo
See all answers
sisco

siscoTasmania, Australia

  • 5 reviews
  • Verified customer

No help with this crew!

published

Asked to put my policy on hold for 2 years due to financial reasons, l was told " we don't do that", well in their online info, they say they do that! I was transferred to a person whose job, l suppose, was to encourage me to stay insured, l was hardly unable to understand a word she said due to a bad foreign accent. She also said l could not place my policy on hold. The wording on the internet says each case is assessed on a case by case basis, but no mention of this was made. I would think because of the exodus of people from health funds hcf would at least assess my request, not this woman. When l rejoin a health fund in 2 years it will NOT be with this tin pot outfit.

Transparency
Customer Service
Value for Money
Plan CoverageHospital and extras
Coverage TypeCouple
Claim MadeYes
Claim Resolution Time<1 week
Claim DateSeptember 2019
Claim ApprovedNo
See all answers
gnmaier

gnmaier

  • 18 reviews
  • Verified customer

Exceptional Customer Service

published

It was easy to sign up. Their website is great. Their premiums were significantly better than my previous long-standing provider. And their phone support service was exceptional. Very highly recommended

Claim MadeNo
Cajetan

CajetanSydney

  • Verified customer

Waiting for claim settlement

published

I had taken HCF cover for parents visiting to Australia. I had bad experience in claim settlement. A simple claim like GP visit takes forever to be settled and that too not without multiple emails and multiple calls. Sometime, the call gets disconnected when to select the right option.

Transparency
Customer Service
Value for Money
Plan CoverageHospital and extras
Coverage TypeCouple
Claim MadeYes
Claim Resolution Time2-4 weeks
Claim DateAugust 2019
Claim ApprovedNo
See all answers
2 comments
HCF
HCF T.HCF
Cajetan
Cajetan

Update:

As per the response, I did send the email but no response since I sent for last 5 days. Do not understand how they can be so ignorant.

Page 1 of 22

Questions & Answers

Mickey

Mickeyasked

Hi

We are looking to change health providers but the 113 very poor reviews are very disturbing for HCF.
Can a rep explain why so many people are in dismay and frustration over your fund ? Looking very doubtful we would consider HCF.

2 answers
Edward
Edward

Mickey. The reviews tell the real story of Poor Service. How much more do you need?
Edward

Mickey
Mickey

Yes very true. Pity honesty and morals don’t form part of the business case for insurance companies in general.

Billy Bob

Billy Bobasked

Does HCf reject critical illness cover if someone smokes? Is smoking considered a drug?

1 answer
Fired Up
Fired Up

Why are you asking the public rather than HCF directly ?

Michael Barter

Michael Barterasked

What has happened to the review I lodged a few days ago ?

1 answer
Fired Up
Fired Up

Why are you asking the public??

Get an answer from our members and HCF representatives

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