HCF Health Insurance

HCF Health Insurance

 Verified
HCF Health Insurance
2.8

675 reviews

PositivevsNegative
44% · 297353 · 52%
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Claim Resolution Time
  • <1 hour
  • <1 day
  • <1 week
  • 1-2 weeks
  • 2-4 weeks
  • 1-2 months
  • 3+ months
Claim ApprovedYes · No
Value for Money
2.4
Transparency
2.1
Customer Service
2.2

Reviews

675 reviews
675 reviews
Marky m.
Marky m.2 posts
  Verified
Wilson C.
Wilson C.10 posts
  Verified

Horrible user experience and forced billing

Both my parents had horrible user experiences with HCF Overseas Visitor Insurnace.

They both purchased the HCF Overseas Visitor Insurnace, on the day they leaf, they cancelled both the policies over the phone.

But a few weeks later, HCF sent emails to both of my parents, claiming the overseas visitors health cover premium is now overdue.

And they had to call HCF, waiting in the long queue, to request their policies to be cancelled again.

It's very frustrating and causing pain to them. Show details

Disappointed
DisappointedPerth, WA14 posts
 

EVERY EXCUSE TO NOT PAY CLAIMS

I switched from HBF to HCF top extras cover, in 2021 and it is the worst decision I ever made. Just try claiming for medication or a medical device and you will see your NOT COVERED. They are expensive and cover nothing you will use.
BUYERS BEWARE. DON'T SWITCH TO HCF unless you want disappointment after disappointment. I will be changing provider ASAP. Show details
Mark A.
Mark A.Perth, WA2 posts
  Verified

Deceptive App Information on Cover

I was encouraged by my college to change to HCF. I then cracked a tooth and needed a filling. My first claim was not covered for restorative dental , despite the app clearly saying that this was covered. I have now returned to my long term insurer HBF. This has been a 1000 dollar exercise( ended up paying 2 months of both insurers to get my policy reinstated). Do not change your insurer. Show details
Value for Money
Customer Service
Chan Myae N.
Chan Myae N.Perth, WA2 posts
  Verified

Please avoid them at all cost

Not necessarily for this branch… for HCF … as there is no option to leave the reviews
Be aware…
Do not use hcf…they make people life so hard when cancelling the policy and they will keep taking ur money …
I bought OVHC for my parents.. during their visit.after they go back.. I have been trying to cancel the policy .. they keep asking me multiple documents to provide that they left the country.. they won’t let u cancel on membership app .. can’t cancel from bank direct debit.. they even ask boarding pass.. itinerary ect…would u believe…
If u call , u will b on line for 2 hrs and u will have the most unhelpful answers
Please avoid Show details
KerryB
KerryBSouth East Queensland, QLD4 posts
  Verified

Very helpful and courteous

A very courteous lady suggested an easier way to access the forms I needed. Very helpful and pleasant. Show details
Ken W.
Ken W.2 posts
  Verified
HONESTreviewer
HONESTreviewerPerth, WA2 posts
  Verified

Great Mental Health Cover

Gold Hospital + Extras
Ive suffered from depression, anxiety, ADHD, list goes on for almost all my life. Since I've entered into a private clinic multiple times I can say HCF made the process so stress free and sorted out everything. Being with HCF gave me better choices whilst being an inpatient compared to most who were with HBF. knowing I might need to go back to the clinic (fingers crossed I don't) being with HCF Gold Hospital + Extras gives me peace of mind and confidence being a HCF Member! Great customer service too!! Show details
Value for Money
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Pash
Pash4 posts
  Verified

Misleading and will try to rob the customer by giving cheaper quote and then charging higher amount

They should not deserve 1 start too for the way they mislead the customer. They give you a quote of X amount and when you purchase the policy they will then start charging higher saying that the policy amount changed. They don't even bother to let us know the change is happening when asking for the quote or don't even notify us if the price has changed. You have to check your bank account to find out. I don't recommend this policy and better recommend everyone to find other health insurance that doesn't mislead the customer. Show details
Sara
SaraGreater Melbourne (Metropolitan), VIC2 posts
  Verified

Empathetic staff member, easy to deal with

I made a phone call to HCF recently to confirm my coverage level prior to undergoing surgery. The wait time was acceptable, but what made it a pleasant experience was the staff member that I dealt with. She was empathetic and answered all my questions promptly and clearly. I felt that I was being treated as a human being and not as a number. So far I am also pleased with HCF's wide network of hospitals that they partner with, as it meant that I did not have to lodge the claim myself or pay any out of pocket expenses upfront as the hospital arranged it all for me. Keep up the amazing work :) Show details
Value for Money
Mac15
Mac15Greater Melbourne (Outer), VIC4 posts
  Verified
Sam M.
Sam M.Greater Melbourne (Metropolitan), VIC
  Verified

Long wait times HCF

Have tried 3 times to get through to HCF on the phone. Wait times are endless.
Going back to NIB. Show details
Bpe
BpeMetropolitan Adelaide, SA
  Verified

HCF visitor cover

My parents had HCF overseas visitor cover for one year and my dad was admitted to public hospital due to an emergency medical condition. HCF has refused to pay his claim is based on, that the patient has been admitted to a public Hospital. It is obvious that Australian Ambulance service takes the patient to the closest public hospital and the patient has no choice to pick the hospital in an emergency situation.
After very long and exhausting communication HCF has paid only less than 12% of the total hospital cost, $536 out of $4682.
So be careful when you get overseas visitor health cover for your family
It seems to me the HCF is using a loophole in their PDF (the way PDF is formulated) to avoid payments. Show details
Antonette
AntonetteSouth-Eastern Region, NSW3 posts
  Verified

Ridiculous Service

Totally ridiculous communication with people skills over the phone they do not go the extra mile to look after customers Show details
lerp
lerpAU5 posts
  Verified

Customer service non-existent for long-time members

I have been a HCF member for something like 15+ years and generally have been happy. However their customer service has gone downhill in a big way. I submitted an extras claim using the app, which was rejected with an email asking for extra details that were not relevant to the claim type. I resubmitted, same outcome. Phoned customer service - spent over 20 minutes in the queue to be finally told that the images I'd uploaded were too blurry and I should submit by mail. Submitted by mail. Claim rejected with same formulaic email asking for irrelevant information. Can't get through on phone OR chat. Really disappointed. Show details
Customer Service
HCF
HCF   DM   
More

Hi Lerp, Thanks for your review. We’re sorry to hear about your latest claims experience. Can you please send an email to social@hcf.com.au with your member number and we can look into this for you. Regards Anna @ HCF

Questions & Answers

Christopher B.
Christopher B.

Do you offer Dental filling?

HCF
HCF   DM   

Hi Christopher, Thanks for your question, we do pay benefits towards dental fillings this is depending on your level of cover. For more information, please call us on 13 13 34 or visits one of our branches.

sss
sss

Hello, I was considering joining HCF but after reading your reviews i think I wont bother. thanks for the reviews. Which health fund would you recommend? (I'm in Qld)

Che Serna
Che Serna  
sss
sss  

Thanks for answering. They all seem much of a muchness and I agree, non for profit appears to be a bit of spin these days.

lentigo
lentigo  

'Non-profit' means that the actual profits go into formal salaries for the executives so that they can claim they are non-profit. Try establishing what the salary of the chief executive is. Ain't available.

Anthony B.
Anthony B.

Dental costs

Krishan Gupta
Krishan Gupta  

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

See all HCF Health Insurance questions

Details

CategoryHealth Insurance
Other Insurance Types Offered Income, Pet and Travel
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Contact info for HCF Health Insurance

  • ABN: 68000026746
  • AHIFC: HCF

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