I joined HCF about a year ago and when I signed up, they told me that I would get 2 free weeks on my anniversary. Since it was almost time, I called them and asked when the 2 free weeks would be applied. It was a total shock to me that they told me the 2 weeks has already been applied earlier. I didn't give up and called them again and again. Finally they found that it was their mistake and the 2 weeks had never been applied. During the whole process, they never thought that they had done something wrong and it was actually a favour that they gave me back the 2 free weeks (that were righteously mine!) Please be careful next time when you need to deal with HCF, never let them brush you away. Never give up as they like to misinform you.
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HCF was formed in 1932 to provide health insurance cover to Australians.