I changed to HCF about a year ago because they were cheaper than my previous fund. I have been surprised by how much more I get back and the service I recieve is excellent.

Have been with HCF for over 30 years. Had jaw surgery with a doctors bill of $6,200. Medicare paid $1032 and HCF paid $308. What a slap in the face after 30 years. Currently paying $439 per month and didn't even get back one month of premiums. I am so glad I'm "PLATINUM" (government reforms). I called before surgery and HCF would not advise the out of pocket and asked me to go and ask the doctor. The doctor said that all health funds are different and I should ask them. $5000 out of pocket and $500 out of pocket for anesthetist. Should have gone to the public system and had no out of pocket. Health funds are pathetic joke.

I've been with HCF for close to 15 years and have never had any issues with the claim service. Every claim goes through quickly and easily and not once have I had to follow up. Top rate customer service and the uh cover all our families services needed.

I have been a member of HCF for 4 years and enjoy the ease of ‘on the spot’ claiming with numerous claims on extras over the years. I recently had to contact HCF when I had a issue with a claim - I made a quick phone call and the problem was resolved - friendly staff and great service!

Easy to use online system with email to confirm adjustments. Friendly service on the phone. Friendly helpful staff to assist you at convenient store locations in most local shopping centres.

Good value policy for families, plus there's an additional option for Kids Cover which is extremely affordable! Very happy with this service so far! We do a 6 monthly comparison to make sure we're getting the best for our money and they havent let us down in 3 years.

Awesome customer service at the Albury branch. Its not possible at all times but nice to be acknowledged as I walked in even though I had to wait a few minutes. The service itself with my enquiry was excellent and taken care of quickly!! Great health cover too!!

Contacted HCF to change the date that my Prius would be taken out. The HCF representative listened and seat with the matter immediately with no hesitation. The representatives made sure my concerns were understood. Their were no unnecessary delays or transfers.

I was with HCF from about 2014-2017, and when with them found them very good with customer service and expediting claims. But I terminated my policy as I was unable to afford the payments any longer. This was not because they were expensive compared to other HI companies, and for a couple of years went without HI. When I was able to afford HI again, after doing some research found that HCF continue to be very competitive, and I am now back with them. I am though awaiting resolution of an issue and if they handle that well, I will give them the full thumbs up. All up, my experience with this company has been very positive.

We find the value of our policy extremely good and had so far no problems with our claims, like eye surgery. Every claim was resolved with no delay. We are one year with HCF and never looked back

I had been with HCF until moving over seas and went to my employers fund on my return. I left employer and went back to HCF for value and friendly service

I have found HCF brilliant to work with, claims are easily made and the app makes it accessible to make claims after hours if needed. The staff are fantastic and great to speak to and will do their utmost to ensure you have the best option for you & your family. Far better than our previous provider. Also good to speak to someone local rather than overseas.

Claims are very easy to submit using the phone app. Policy prices seem to compare well with other health insurance providers. They have a pretty decent-looking rewards program, although I don't really use it much.

We have only been with HCF for a short time but have been very happy with the contacts made. Our claims have been handled in a proficient manner and we are getting used to using the website for helpful information and claim details

The HCF team members are helpful friendly professional and informative they really do care. The receptionist, dentist and dental nurse were all extremely helpful and very knowledgeable on their chosen profession.

I love HCF! Life has been hard since 2014, many operations and hospital
Stays. HCF has been my partner and saviour on this journey. The staff have treated me with respect, made me feel like a person and not a number. Am SO grateful! Thank, thank you from the bottom of my unwell heart - you took away a big stress in what has been a horrid time. Happy to send you proof send me an email and I will and I to you.

We attended the HCF console at the Westfield Belconnen Mall and spent some very valuable time with the staff member. We had not reviewed our policy for quite some years and it was an eye opener to see what arrangements were far more suitable for our age group under the new private health care arrangements. The staff member was very friendly and gave us a new insight into how best to use our HCF health cover.

We came away very impressed and very pleased with the outcome which also fitted well into our p[rivate health care budget.

Previous HCF and moved to Melbourne, found myself switching to Medibank. Found out that HCF dental recently opened in MLB CBD and again now back again to HCF. Dental service is remarkable, having anxiety issues was addressed professionally by Michael and left with a bright smile. Dr. Sandi was also great and will see them again soon! A+++