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HCF was offering reviewers a chance to win a $500 VISA Gift Card. Reviews can be both positive and negative. The winner was randomly drawn, provided that their public review has been posted between 16 April 2018 and 31 July 2018. Terms and Conditions can be found here.
HCF Health Insurance (page 2 of 22)
See the Best Health Insurance in 2019 as rated by Australians on ProductReview.com.au.
MattPerth, WA
- Verified customer
Very convenient claim process through the app, and generally a short processing time
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
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- Verified customer
Awesome customer service! Thank goodness!
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.
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LizzyblueGreater Melbourne (Outer), VIC
- Verified customer
Necessary for peace of mind.
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.
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The reviewer stated that an incentive was offered for this review
AngelaMetropolitan Adelaide, SA
- Verified customer
HCF great to deal with
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.
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The reviewer stated that an incentive was offered for this review
Jane. WollongongIllawarra, NSW
- 2 reviews
- Verified customer
Knowledgeable staff
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.
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Johnny WSydney, NSW
- 2 reviews
- 1 like
- Verified customer
Very quick and friendly resolution to a problem of my making.
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.
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ColaaahGreater Melbourne (Metropolitan), VIC
- 2 reviews
- Verified customer
HCF Where have had family cover for close to a decade now.
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!
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The reviewer stated that an incentive was offered for this review
Angela D.Perth, WA
- Verified customer
Great cover & easy access.
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.
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W HermsenSydney, NSW
- Verified customer
HCF is the best health fund provider!
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.
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PatientNorth-West & West coast, TAS
- 3 reviews
- 4 likes
- Verified customer
Time wasters
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.
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- Verified customer
HCF makes it as hard as possible to make a claim
I was told upon signing up that I would be able to make a claim online... While there is an option to claim online, it is limited to services that most people probably will not make use of.
I have been trying to make an optical claim now for several days. After not having the option to do it online I called HCF and was told I can't make the claim over the phone but I can download their app to do it. I didn't particularly want to do that but I was fed up by this point and just wanted to make my claim so I downloaded it and, of course, the app d...Read more
oesn't work! Just have a look at the huge number of negative reviews it has. The only other options are to go into a branch to make the claim or to send a form by post. There are no branches anywhere near me that are open outside of business hours, and I am not going to pay more money just to make a claim. HCF gives the illusion of having many claiming options, but in reality they either don't work or they require you to go well out of your way to actually make a claim. I'm waiting to hear back from HCF about making my claim online, since I only signed up with them because I was told I could make my claim online, and I will certainly be cancelling my policy if they tell me that it isn't possible. What a headache HCF has been so far.Similar opinion? Write a review on ProductReview.com.au!
- Verified customer
Great Policy for a fantastic price!
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.
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LinetteSouth East Queensland, QLD
- Verified customer
Your staff member Hector.
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.
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- Verified customer
Good product and friendly staff.
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.
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DD0070Launceston, TAS
- 2 reviews
- Verified customer
Everything with HCF had gone as expected.
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.
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MicknKazGoldfields, WA
- 2 reviews
- 1 like
- Verified customer
Best Private Health Out There
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.
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Arnold H.
- 2 reviews
- Verified customer
Beware: they force you to make a claim via post
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.
1 comment
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James F.Hunter Region, NSW
- Verified customer
The Best Not-for-profit health insurance organization you will find!
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.
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Bec MSydney, NSW
- Verified customer
Useless
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.
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- Verified customer
HCF are very helpful, friendly, ad most of all they fix your issues in the very first instance
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.
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Questions & Answers
Michael Barterasked
What has happened to the review I lodged a few days ago ?
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.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 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
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HCF T.HCF
Hi Arnold
• On the Spot (HICAPS) • HCF Mobile App • Mail • In Person at Branch • Online by logging into Member Services. https://www.hcf.com.au/faqs/faqs-claims-and-payments We would be glad to assist you further if you can email your membership details along with the type of claim you are wanting to make at customersupport@hcf.com.au . Do include product review in the subject of the email. Regards HCF TeamWe are sorry to hear about the way you feel.
At HCF our members do have following options available to make a claim.... Read more