After 9 years with HCF gold level hospital cover, I was shocked to discover that they would not cover my hospital stay when I broke my leg. I paid top hospital cover to them for almost a decade, yet when I needed help I was refused private hospital cover. I was shipped off to a small underfunded public hospital in another town - miles away from family and friends - where I had to share a 4 bed room and a bathroom that was used by the entire ward of 20+ patients. That’s not what I was paying top hospital cover for!Make sure you read the fine print. They are happy to take your money but will swindle you out of your entitlements if they can. You are left trying to deal with them when you are sick and in pain.The absolute worst health fund I’ve ever been with!
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HCF was formed in 1932 to provide health insurance cover to Australians.
