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HCF Health Insurance

HCF Health Insurance (page 2 of 22)

3.4 from 425 reviews

See the Best Health Insurance in 2019 as rated by Australians on ProductReview.com.au.

Reviews

Review distribution

5 star
200
4 star
63
3 star
13
2 star
22
1 star
127

Matt

MattPerth, WA

  • Verified customer

Very convenient claim process through the app, and generally a short processing time

published

Policy value is in line with expectations
Have lodged a few claims for surgery, orthodontist, and others. Orthodontist claim is capped even when specified as a covered area.
Have been with HCF for 5+ years

Value for Money
Transparency
Customer Service
Plan CoverageHospital and extras
Coverage TypeFamily
Claim MadeYes
Claim Resolution Time1-2 weeks
Claim DateJune 2019
See all answers

  • Verified customer

Awesome customer service! Thank goodness!

published

Speaking with someone whom actually used language that was understandable.Totally understood the policy and the process. They were polite and exceptionally polite. Provided all information regarding product to be able to make informed decision.

Value for Money
Transparency
Customer Service
Plan CoverageHospital and extras
Coverage TypeCouple
Claim MadeNo
See all answers
Lizzyblue

LizzyblueGreater Melbourne (Outer), VIC

  • Verified customer

Necessary for peace of mind.

published

On inquiring about the best policy last year, HCF was considered the best value for my needs, so I changed twelve months ago. It was easy to set up. As yet, I have not needed to make a claim.

Plan CoverageHospital Only
Coverage TypeSingle
Claim MadeNo
Would Book AgainYes

The reviewer stated that an incentive was offered for this review

Angela

AngelaMetropolitan Adelaide, SA

  • Verified customer

HCF great to deal with

published

Rang to enquire on ambulance claim response was very quick and staff was excellent to deal with and very helpful. I have had to make few claims this year and all dealt with efficiently.

Value for Money
Customer Service
Plan CoverageHospital and extras
Coverage TypeCouple
Claim MadeYes
Claim Resolution Time<1 week
Claim ApprovedYes
See all answers

The reviewer stated that an incentive was offered for this review


Jane. Wollongong

Jane. WollongongIllawarra, NSW

  • 2 reviews
  • Verified customer

Knowledgeable staff

published

Rang to check up on my limits and also to understand what my policy now was as I have been a member for well over 35 years

Staff polite easy to understand. And answers every query I had easily.

Value for Money
Transparency
Customer Service
Plan CoverageHospital and extras
Coverage TypeFamily
Claim MadeNo
Would Book AgainYes
See all answers

Johnny W

Johnny WSydney, NSW

  • 2 reviews
  • 1 like
  • Verified customer

Very quick and friendly resolution to a problem of my making.

published

I didn’t respond to several requests for information and could have lost privileges. Once I realised my error I contacted Vesna who solved my problem completely and quickly in a friendly manner.

Value for Money
Transparency
Customer Service
Plan CoverageHospital and extras
Coverage TypeFamily
Claim MadeNo
Would Book AgainYes
See all answers

Colaaah

ColaaahGreater Melbourne (Metropolitan), VIC

  • 2 reviews
  • Verified customer

HCF Where have had family cover for close to a decade now.

published

With our family cover, our whole family get total dental teeth cleaning done every 6 months with no out of pocket. Prevention is better than cure. Plus other claims easy!

Value for Money
Transparency
Customer Service
Plan CoverageHospital and extras
Coverage TypeFamily
Claim MadeYes
Claim Resolution Time<1 week
Claim DateJune 2019
Claim ApprovedYes
See all answers

The reviewer stated that an incentive was offered for this review


Angela D.

Angela D.Perth, WA

  • Verified customer

Great cover & easy access.

published

Great cover & price. I love using the app for claims & to manage my account. Enquires on the phone are quick with wonderful customer service. I’ve never had any issues with them.

Value for Money
Customer Service
Plan CoverageHospital and extras
Coverage TypeFamily
Claim MadeYes
Claim Resolution Time<1 week
Claim ApprovedYes
See all answers
W Hermsen

W HermsenSydney, NSW

  • Verified customer

HCF is the best health fund provider!

published

I’ve been an HCF member for like 10 years and I’ll continue being an HCF member. They’re simply helpful and good health fund provider. I’d recommend them to my friends.

Value for Money
Transparency
Customer Service
Plan CoverageHospital and extras
Claim MadeYes
See all answers
Patient

PatientNorth-West & West coast, TAS

  • 3 reviews
  • 4 likes
  • Verified customer

Time wasters

published

Wife went to change from Bupa to hcf as their product seemed better. When signing over on the phone was told they will match Bupa policy at a cheaper rate and also no waiting period to make a claim. When reading through the policy it turns out we were misinformed and there was a waiting period to make a claim. We opted to pull out through their 30 day cooling off period within the first week. It's now close to 6 weeks on and we ask what is happening whith our refund, and each time they say will be done within 2 weeks. I called them yesterday and they now say within a week, I said they will have to put up with me constantly calling them until it's done even if it's a dozen calls a day. Wouldn't recommend these time wasters to any one.

Value for Money
Transparency
Customer Service
Claim MadeNo
Would Book AgainNo
See all answers

  • Verified customer

HCF makes it as hard as possible to make a claim

published
Value for Money
Transparency
Customer Service
Plan CoverageExtras Only
Coverage TypeSingle
Claim MadeNo
Would Book AgainNo
See all answers

  • Verified customer

Great Policy for a fantastic price!

published

My level of cover is exactly what I need and for the right price too!!
Every time I have had to call HCF the wait time was quicker than expected, the staff are friendly and very helpful. I have recommended HCF to all of my friends and family.

Value for Money
Customer Service
Plan CoverageHospital and extras
Coverage TypeSingle
Claim MadeYes
Claim Resolution Time<1 week
Claim ApprovedYes
See all answers

Linette

LinetteSouth East Queensland, QLD

  • Verified customer

Your staff member Hector.

published

Hector was exceptionally helpful, knowledgeable and efficient with a warm and welcoming manner when I telephoned to enquire about returning to HCF from CUA.
His professional and personable communication is truly exemplary and certainly 'sealed the deal' from my perspective.

Value for Money
Transparency
Customer Service
Plan CoverageHospital and extras
Coverage TypeSingle Parent Family
Claim MadeNo
Would Book AgainYes
See all answers

  • Verified customer

Good product and friendly staff.

published

I called with an enquiry and the staff, and although it was a 20 minute wait on the phone once the call was answered staff were very welcoming and understanding. My enquiry was sorted and staff member was very thorough with their service.

Value for Money
Transparency
Customer Service
Plan CoverageHospital and extras
Coverage TypeSingle
Claim MadeNo
Would Book AgainYes
See all answers
DD0070

DD0070Launceston, TAS

  • 2 reviews
  • Verified customer

Everything with HCF had gone as expected.

published

Never had major hospital claim but everything else has been good and the value compared to others has been good. With HCF for 10 years with family hospital and extras.

Value for Money
Transparency
Customer Service
Plan CoverageHospital and extras
Coverage TypeFamily
Claim MadeYes
Claim Resolution Time<1 week
Claim ApprovedYes
See all answers
MicknKaz

MicknKazGoldfields, WA

  • 2 reviews
  • 1 like
  • Verified customer

Best Private Health Out There

published

We went through a hard time financially and HCF were very understanding and we worked out a way where our policy did not get canceled. So friendly and understand at such a hard time for us.

Value for Money
Transparency
Customer Service
Plan CoverageHospital and extras
Coverage TypeFamily
Claim MadeYes
Claim Resolution Time1-2 weeks
Claim DateAugust 2018
Claim ApprovedYes
See all answers

Arnold H.

Arnold H.

  • 2 reviews
  • Verified customer

Beware: they force you to make a claim via post

published

You can't claim all services online... they force you to post them! 2019 and you're forced by a company to post.
I will be sure to change health insurance providers.

Plan CoverageHospital and extras
Claim MadeNo
Would Book AgainNo
1 comment
HCF
HCF T.HCF

James F.

James F.Hunter Region, NSW

  • Verified customer

The Best Not-for-profit health insurance organization you will find!

published

I have been with HCF for Decades, and they have never let me down or disappointed me in any way. I and my grown up family share the same opinion on HCF as a provider of choice.

Value for Money
Transparency
Customer Service
Plan CoverageHospital and extras
Coverage TypeFamily
Claim MadeYes
Claim Resolution Time<1 week
Claim DateNovember 2018
Claim ApprovedYes
See all answers

Bec M

Bec MSydney, NSW

  • Verified customer

Useless

published

Signed up to HCF as they seemed to have great coverage for a great price.
I received a competing deal from my old Insurer Westfund which was better, so I cancelled the HCF policy 1 week later. I had my current insurer send through the confirmation transfer email, I called a week later to confirm it was received which it was, and have now made 3 follow up phone calls just over a month later to get my policy cancelled and refunded. Phone operators continue to tell me to wait 7-14 days which I have done, but this is getting crazy. Wouldn't go with HCF or recommend HCF to anyone. Definitely check out Westfund, they have done right by me from day 1 and give you straight forward honest answers.

Value for Money
Transparency
Customer Service
Plan CoverageHospital and extras
Coverage TypeCouple
Claim MadeNo
Would Book AgainNo
See all answers

  • Verified customer

HCF are very helpful, friendly, ad most of all they fix your issues in the very first instance

published

HCF are the best Insurance company. Pricing is good, customer service is excellent, very helpful. I would recommend and have recommended HCF to my family and friends. Couldn’t have asked for a better cover.

Coverage TypeFamily
Claim MadeNo
Would Book AgainYes

Page 2 of 22

Questions & Answers

Michael Barter

Michael Barterasked

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

1 answer
fred f
fred f

Why are you asking the public??


lena saba

lena sabaasked

i am Australian citizen living overseas but I am coming back to live I Sydney and I need to know if I can continue with you as I used to have a membership with hcf and I froze it?

No answers

Guini L.

Guini L.asked

Is GP regular doctors' visits covered in "Short Stay " overseas visitors health cover?
The website only stated the following: "Depending on the level of cover you choose, you can be covered for up to 100% of the cost of seeing a GP from our GP network. "

1 answer
HCF
HCF T.HCF

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.

https://www.hcf.com.au/content/dam/hcf/pdf/OVHC/Overseas-Visitors-Short-Stay.pdf

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


Get an answer from our members and HCF representatives

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