HCF Health Insurance

Amazing people (my private health family!) and out of this world insurance. Simone helped me late into the night when ahm let me down !!! I'm so so grateful to the people of HCF for their help, time, patience and kindness they live up to everything their ads say and more they are like my private health family I would never ever ever go anywhere… Read more ·  1

else again. Ahm let me down in my time of need after paying them hundreds in premium only to let me down in every possible way! Only hcf all the way.

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

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

Very good or persistent in selling. But once sign up. They giving my LHC loading exemption which i was told it is going to be lower but i send them the reasons. I send out the email I think 2 to 3 weeks then they response back and ask my international movement record. The whole process is very slow. 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

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

Steven Sun, the Eastgardens Branch Member Consultant could not have been more pleasant, attentive and helpful. He was a delight to deal with, knowledgeable and helpful, and he processed my claim expertly. He is a wonderful ambassador for HCF, and I am grateful for his assistance. Show details

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.

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 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.

Been with them 21 years, policy price just too expensive now, asked for 8 weeks free like they are offering new members but will not do for me, not even 4 or 6 weeks free as a reward for being a long time member, looks like i will now go elsewhere. They do not reward loyalty. Show details

HCF is the worst health insurance that I have ever got in Australia. Their weird hidden restrictions are everywhere. For example, the optical cover has a limit of $70 per eye and $140 per invoice for contact lenses, regardless of how much you have on your policy limits. They also decline claims due to carelessness. My policy covers swimming… Read more

classes, but HCF declined my claim because they claimed that my name was not on the invoice, but it was clearly on the invoice that I attached. Then I used a highlighter pen to highlight my name and submitted the claim again, but then they declined again due to the same invoice having already been claimed for. Excuse me?!

I researched online which health cover would suit my 80 year old parents as I didn’t want them stuck in those disgusting public emergency cubicles where staff ignored them and would even help them p*ss or cr#p . Don’t believe they hype you hear ,it’s bad in emergency . I took a quote from those brokers who sold me a policy to meet my parents needs… Read more

and was all yeah yeah . Months later my mother had an unplanned episode and I told the ambulance to take her to a private emergency hospital and when they got there the hospital said they couldn’t cover her . So the ambulance took her to hell again at public hospital kicking and screaming as she had dementia I rang HCF same day and they said we don’t cover planned visits. I said how is it a planned visit? They said the broker shouldn’t of promised you these things so essentially they blamed him and called him a liar I cancelled the policy and was refunded the remaining money . HCF naturally took over 1300 for nothing as we made no claims . Never again will we take out health cover with HCF or anyone else. We may as well just Have no cover and die with dignity than to be ripped off by those taking advantage of the elderly . Elder abuse the govt calls it .

Hcf offer absolutely junk insurance. They don't offer any support and the claims experience is poor. The coverage that they provide is very limited and there always seems to be a reason why something is not covered. I've already submitted a complaint and will likely raise with afca as I know that they won't provide any assistance. They charge me… Read more

over $200 a month and provide very little in return. I'm better off just saving the money and using it when required. I look forward to their response to my complaint