My husband and I have both been stood down with no pay during COVID-19, and I work in the travel industry which could be on stand down for quite some time.
I called HCF to see if they could assist in any way with my premium. The gentleman I spoke to kindly waived my premium for 3 months with no change to my cover.
The gentleman on the phone also suggested I check HCF Thank You on their website which offers a range of discounts on Woolworths, Coles etc. They are small discounts however every bit helps.
Thank you so much HCF, you have no idea how much this helps us right now. Very much appreciated!

I have been with HCF for more than 15 years. Due to our age ( couple in our early 70s) and different health issues, we are on top level hospital cover plus extras.
Although on high end, it serves our health needs well. We are happy with easy to use web site, competent staff. I have also prefer their email correspondence over call center: never ever had any issues.
Some of the extras (like surgical shoes) are almost "unique" for HCF and disappeared from their competitors. We are like " zero access" for our day hospital procedures.
I would recommend HCF for any aged couple with multiple problems: you will get help!

I joined in February and still haven’t got my card yet. I have requested one three times now and i just get told that it will come. April and still waiting. I have to pay up front in full because no card.

HCF is our new chosen insurer after 5+ years with Nib, who have continued to increase our premiums and reduce our cover. Talk about benign neglect. We now have increased benefits, lower excess, lower premiums and more local approved providers so look forward to our new cover. Also their website looks very easy to use.

I have joined HCF for nearly 4 months and I still haven’t received the membership card. I have received their letters many times but not a membership card . 1 week after instruction I called and they said 5-8 business days and suggested I will receive it another week. I called again a week and they guarantee I will receive it in 1.5 weeks . Nearly a month since my latest instruction I still couldn’t receive the card . They keep asking me to claim on line but after reviewing many bad comments here I don’t want to risk myself not able To clam the money back. Avoid hcf If you can. They are wasting your time and money

Absolutely disgusting. Have been paying a gold cover for 10 months! I already have been over charged $1300 which took me days to sort it out and make sure I get at least as a credit and now my wife (26yo) have been admitted to hospital with heart problem and they told the hospital that she wasn’t covered. ( brochure says 2 months waiting or 12 for pre existing conditions) I had to call them and spend nearly an hour on the phone to know that I have to do a hell lot of things to get her back in private as it should be! If you can, stay away from hcf!

Doesn’t cover psychology unless You have exhausted 10 sessions on a Medicare mental health plan. when you have private health cover for psychology you expect to be able to use your private cover without obtaining a doctor referral or using public funding
Also didn’t cover surgeons full cost for surgery

Poor service does not describe, just how bad HCF is. I transferred from Medibank Private because of poor phone service, and a dud App, HCF is worse. Long wait s to speak to someone ( apparently in an Asian Call Centre) numerous phone disconnects. I went to make a claim, it was denied, as Medibank had not released my details to HCF, HCF hadn't bothered to anything about it, when I joined the fund, until I complained that my claim had been denied. Over all, a frustrating, time consuming experience.
HCF App didn't work, until the 6th attempt
To make matters worse, my bank account details, were sent to me via email, for any hacker to see.

I have been with HCF for about 6 years or more. I have always paid by internet banking. I have total control of my money. They are now suggesting 3 options, direct debit ( which is controlled by them ) phone every month to pay ( going back 15 years! ) or going into an office to pay ( great for time management) They have taken away the easier option of Bpay. These rules are for Life Insurance policy & Critical Illness Cover. I have hospital, extras & Critical Illness Cover & pay altogether. It's totally ridiculous, it's so simple now & they want to complicate it. Their letter states crap like " we save you time & hassle. Total crap!! Not happy at all. I will look at another provider.

I've written a lot of emails and i called a lot of time for do the claim, nobody answers any! i mean NOBODY!!
this is illegal, they should answer and as a customer they should take an action for my claims.

I booked for a GP visit at Blacktown Doctors and Medical Centres, only to find out that not all GPs there accepts HCF visit entitlement.. Had to cancel the booking as it would cost me $375, potentially, for seeing Dr Regy Joseph, who do not accept HCF funds for seeing her.

advised smiledirect and item 825 covered by phone to HCF on 09/10. Purchased item 825 and went to claim 04/12 to be told not covered ?????? Shown internal memo from 13/09/2019 which advised no further cover for smiledirect ???? Paid $7500 in advance for 18 months of cover. If you change cover you should let people know. What a rip off. Note PDS advised Orthodontics covered for correction of teeth and jaws by orthodontist or dentist. Tick and Smiledirect you visit onsite and have scans and moulds done which are then checked by registered Aust Orthodontist or dentist. Tick. YOU GUYS SHOULD BE ASHAMED

Walked into a branch and was treated with an attitude before hello. Not a friendly smile or even a firm handshake.
This is from the top Regional Manager? Clearly setting an example template for other employees to follow. Stay away from HCF there are simply other companies who care to have your business.