HCF Health Insurance (page 2 of 19)

I've been with this company for several years under my parents contract. I recently switched to my own contract. They were very helpful. Making claims is easy and they pay quickly.

Moved over to HCF three years ago and could not be happier with the service and friendly staff. The 'not for profit' status is a feature that attracted me to this fund and their rates are competitive.

My family and I have been members of HCF since 2004, and we have always had prompt and positive interactions with HCF.

I have been with the company since 2009 and have always received fast and efficient service, which is an essential aspect for me, due to the nature of my work and constant travel

Generally, I've never had any issues with HCF until now particularly concerning the misleading or should I say false advertising with 100% money back on initial consultations. After many phone conversations back and forth to get to the bottom of my claim, I was finally told today that HCF only cover $74 of an initial consultation fee for podiatrists that PARTICIPATE through the 'More for feet program'. I specifically chose this podiatrist with the knowledge my first consult would be covered by HCF. I paid a gap of $47 at my appt and the podiatrist charged a total of $90 for the initial const. I then submitted the claim with receipts to which I received an acknowledgement from but no reimbursement...I then emailed our HCF contact who transferred it over to the claims dept and was subsequently reimbursed only $31 of the $47 I should have been paid. A few phone calls back and forth and was informed that they don't actually cover the full fee...that in itself is false advertising and very misleading. I queried this over the phone and she said she would be sure to pass on my feedback but with no apology or explanation as to why they advertised this but only reimburse $74 of a podiatrist consult fee...not happy. Yes, it's $16 but it's the principle of it - to provide that service to your customers, especially if they pay for ultimate hosp + extras.

I have been with them for longer than 3 years. Their service is fantastic and the extras is great for a family. My dentist is always happy with their coverage and so are we.

Been with HCF for just over 12 months, they are always easy to deal with. Extras claims are quick and simple and are paid very quickly. Customer service reps have always been helpful, non-judgemental and understanding.

I have been with them on my own policy for 8 months. As a family we have been with them for over 15 years. I was transferred to my own policy earlier this year and have been paying for it monthly, top hospital and top extras. I called them a few days ago to make sure I was eligible for their more for you programs, meaning I could get 100% back on an appointment I had booked. They confirmed this was correct. I went to swipe my card at the end of my appointment for HCF to cover the cost... declined. Tried again and the same thing happened. I called HCF and they said it was because they hadn’t transferred me properly off my parents policy to my own (that I had been paying for the past 8 months). Eventually, 40 minutes later, they got it sorted. Eventually managed to track someone down from that department to get me transferred correctly. This was all very embarrassing but it ended well. The entire cost for the appointment was covered.

Joined HCF for Hospital and Extra on 5th November 2018 from Medibank private health fund.
Went to the optometrist to get glasses on 31 Dec 2018, got denied due to the waiting period.
When I joined HCF I was told because you are coming from another health funds waiting period doesn't apply to you.
When I rang them and explained the problem I was given three different answers.
1. Your current cover is different from your previous cover from Medibank private.
2. We still haven't received clearance certificate from Medibank private (no one informed me about that)
3. Some on spot processing machine doesn't work properly so pay them in cash and claim it back.
Why do I have to pay optometrist as well when I am already paying membership?
Was on phone more than 20 minutes still no proper solution.
When I ask the person can I talk to his supervisor, got a reply he is busy and will ring you today, waited till 5PM still no call back.
When I ask him about his employee no he gave me three letters, no number and answer, this is the employee no we have in HCF.
HCF have no problem taking money for the service they are not providing.
HCF don't even bother to inform the customer if they are not covering him because of any reason.
HCF customer service centre is in overseas and standard of service is below acceptable.
Wouldn't recommend HCF to anyone.

I have been with HCF for the last 6 years. I am constantly shopping around for better deals but have concluded it’s the best one for me.

We have been with HCF for over 10 years and always get good value from our health fund. Whether it was having both of our children in private hospitals (which my wife loved), or regular trips to the dentist for the whole family (we all go twice a year, every year), or incidentals, such as physio. I recently hurt myself playing cricket and was able to put through a successful claim for accident which helped greatly to pay for the surgery I needed to repair my shoudler. Fees are fair, never had a problem with claims and we think HCF are great value.

I’ve been with HCF for close on 20yrs. I recently called asking for a letter addressed to my employer to prove my monthly payments as I was able to be reimbursed a percentage of payments made in a calendar year. Not only was the HCF customer service person extremely helpful, she even called me back within 5 mins to let me know the letter had been sent to my gmail account.

I have been a member for over 15 years. The recent service I received was thorough & extensive offering assistance without being asked, assessing our issues ahead of my explanation. This resulted in a most unexpected & satisfactory outcome immediately & information given assisted with our membership setup into the future. The service was the best I have received from any company for decades!!!

I joined HCF about 6 months ago. I have made two dental claims both of which were uneventful and easy. The staff member I spoke to recently was helpful and polite, she answered all of my questions promptly and accurately. I would recommend everyone get themselves a quote from HCF.

I've been a customer of HCF for over 20 years, In that time I've not ever had a negative experience with their customer service. Whether it's in the branch or over the phone I have always spoken to genuine, helpful and friendly staff. They are willing to extend themselves to help you and make you feel like a valued customer.

After being with of previous fund since 1986 it was daunting in making a change. The enthusiasm of the staff soon put me at ease and the time taken to explain the options available made the decision to change easy. We are now awaiting the paper work and details to arrive in the mail. Patricia Mackaway - client no. 75500078

My large family and I have been members for many years. I'm very happy with HCF's great customer service, excellent benefits and affordable premiums. I've already recommended HCF to my family and friends.

Ive been with HCF for over 6 years I've found them understanding and polite
Our claims are dealt with quickly

First time took membership with hcf and now realize our mistake. Submitted claim on 5/10/18, when we call on 17/10/18 we informed that hcf haven't received. We submitted again on 17/10/18 and they insure that its finalized in 3 days. We call again today 24/10/18 and still our file haven't allocated to anyone still pending. Really disappoint. Won't refer anyone

My family and I have been HCF members for 18 years. I have made several claims over the years and have always found their customer service representatives to be friendly, knowledgeable and very helpful. I would highly recommend HCF.