Hcf offer absolutely junk insurance. They don't offer any support and the claims experience is poor. The coverage that they provide is very limited and there always seems to be a reason why something is not covered. I've already submitted a complaint and will likely raise with afca as I know that they won't provide any assistance. They charge me over $200 a month and provide very little in return. I'm better off just saving the money and using it when required. I look forward to their response to my complaint
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HCF was formed in 1932 to provide health insurance cover to Australians.
