HCF Health Insurance Questions & Answers

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.

I really can't say at this point, I am also in QLD. I joined AIA based on a product review here. but I have to sort out some issues with them first to answer your question correctly. I honestly don't know because I was with HCF for a very long time. The service level at AIA seems good, but the results of waiting periods I cannot say as it is still unresolved. Like HCF whose service and facilities were ONCE good, they became greedy and got worse and worse. That is the whole issue here Corporate Greed. However, I never believed HCF was a none profit organisation that is just Bullturd.

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.

'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.

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

Go back to your dentist or check if they tried to claim. If not paid ask why. Once you have all the info, make sure you have the facts and figures and then approach HCF. Just be aware that it could take hours or a couple of days to get through and you may not get answers. I went to the complaints dept, sent a message via messenger to get results good luck you will need time and patience, both of mine ran out eventually, I’ve transferred to another fund, too many hassles with customer service and claims process.

call 131334. the customer service can email the copy to you

We are just so happy with HCF. We have mid hospital cover with silver extras and they covered all hospitalisation, pathology, and specialist & theatre fees. We are on the middle cover so there is a gap when buying glasses if needing more than 1 pair but fully covered if buying just one. No complaints at all and SO much better than Medibank -really ripped off with Medibank and HCF is cheaper for the same cover.

Thank you so much,sounds like a good deal.Cheers.

We have been with HCF for some time, over ten years (with a small break with MBF). We have always found them to be pretty good actually. They offered good value, typically. However, we are leaving HCF shortly and will be writing a two or three star review. Their IT system is broken, and they are now not paying out claims. I assume this is because of some major IT crash, and they are struggling to overcome this problem. Likewise, as you have read, you can't contact them easily. So, I think they were OK, even good, but something has happened, and now there are better funds. I wouldn't join them currently.

Hi Thank you for your message. As part of “HCF Thank You” program, we allocated a membership tier which was based on the length of membership with us. In that regards “Diamond” tier, this was allocated to the members who have been with HCF for 25 years of more, as a recognition of their loyalty. In order to assist you with your enquiry on benefits available for a “CPAP” accessory, we need to access your membership and check it against your selected level of extras cover. Please call us on 13 13 34 and our Member Care team staff member will be able to confirm your benefit entitlements. Regards HCF Team

Hi Dee We are sorry to hear about your experience. Would you please send us your membership details by email to social@hcf.com.au and mention product review in the subject of the email, so that we can look into your concerns further and provide you with an outcome. Regards HCF Team

Hi HCF Team. I just received my cards in the mail. What I would like is the phone and customer care to be sorted out. Thank you, Dee

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

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

Why are you asking the public rather than HCF directly ?

Why are you asking the public??

Hi Guini That is correct, GP Consultations are covered under the “Short Stay” Overseas Visitors Cover. You are covered for doctors’ services for items listed on the Australian Government Medicare Benefits Schedule (MBS) and where the service would be eligible for an MBS benefit if provided to an Australian resident:

For regular doctor visits, you will be covered with nothing to pay when you see a doctor through our network.

external link 

Our Overseas Visitors Helpline is available 24 hours a day, 7 days a week on 13 68 42 (13 OVHC), option 2.

You can call the helpline to ask health questions* or to access providers and services through the HCF network, including:

• regular doctors (GPs) • after-hours GPs • emergency departments • specialist doctors • private hospitals. • nurse triage

Hope this helps. Regards HCF Team

Hi Bernard We hope you are recovering well after your procedure. Private health insurance policies cover some or all the costs of being a private patient in either a Public or Private Hospital for in-hospital (from when you’re officially admitted to hospital to when you’re officially discharged) treatment costs such as accommodation, operating theatre and other associated costs.

If the consultations is deemed to be a outpatient service then health funds are not allowed to pay a benefit, this can only be claimed from Medicare.

We are more than happy to look into this further for you, if you could email us at customersupport@hcf.com.au.

Please include your membership number and mention “product review” in the subject of the email and also do let us know whether you were officially admitted to a hospital as an inpatient.

Alternatively you can call us on 13 13 34 and our Hospital Information Line staff will be glad to assist you.

Regards

HCF Team

It's not an easy answer, ask your dentist to provide all the item codes, then send it to HCF, to verify and confirm what is covered, then circle back to your dentist, give them the approved items codes, then your dentist will provide you with the out of pocket expenses. Which will leave you wondering if it's even worth having a Pvt health insurance and the amount you pay every month!!!!. good luck.

Thanks Frank I certainly could not find an answer in HCFs website.