Review Time
HCF Australia are the worst health care provider in Australia today. Despite their advertising and consistent drumming into you that they care about people, they will consistently try to find cause to decline your cover any way they can.My wife has been diagnosed with a sinus condition only at the beginning of August, for years, yes she's suffered, but was told it was an infection, provided with antibiotics and no doctor has ever looked into her condition.Now we finally new what was wrong, and had booked my wife into healthcare, HCF purposely went out of their way to find cause to decline paying for the surgery, only 24 hours before she's due to go under the knife.At $300.00 plus a fortnight ($600.00 a month) for a COUPLE, without kids, they are expensive, and are not there for you when you need them.We'd previously been with NIB and AHM and had no issues, from the moment we switched to HCF it's been a nightmare, from coverage to even getting our cards sent to us.DO NOT GO TO HCF EVER. Do not use them, they are the worst. Any other healthcare provider is better.
I pay $163 per week for cover for my husband and myself. I've just found out that I'm not even covered for glasses, optical and dentists are extra! I went online to.do a new quote and it wasn't even an option to not do hospital cover. Also why does Lifetime Cover Levy exist when you are penalised by the government at tax time for not having private health? And then penalised again by the company when you do take out the cover? That is double dipping. At this point it's easier and cheaper to just pay out of pocket and stay public. What you pay in taxes and out of pocket plus insurance premiums, just simply skip paying premiums to a company that doesn't cover you for actual stuff you're likely to use.
Very happy with HCF! For your loyalty they reward you an annual limit boost which I can use it towards optical (glasses and contact lenses). Only shame is the limit for remedial massage is quite low especially when it’s shared with other alternative therapies eg acupuncture! Hence the 4 star rating
Most pathetic would not refund my spectacle payment as the person only had a po box number was good enough for hbf to payout but you just want to be a pain in the khyperpas and your telephone operater was useless as tits on a bull she cut me of while i was giving my details send the schwartz back to india
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HCF was formed in 1932 to provide health insurance cover to Australians.
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