Although there was an increase in my premium I decided to change health insurance to HCF, I am paying approx $150 per month for Hospital cover. Health funds have agreements with particular doctors and hospitals to cover all of the gap, which are called 'no gap agreements', or part of that gap, which are called 'known gap agreements' (these will have lower out-of-pocket costs, usually less than $500). I don't know I can change my payment details, as this can't be done through the member portal. Note that public hospitals don't have agreements with specific funds and are generally treated as though they're agreement hospitals. This table shows the pet insurance options on offer for a 1-year-old dog of a medium-sized breed, for … Hi I would like to get private health insurance for my parents (aged 50) and I'm very new to this concept so I was wondering if I could get some advice from the . © 2021 ProductReview.com.au Pty. Lots of options for excess. She asked me to wait so that she could find me the correct email address to write to. I pay $145 a month as a visitor on 'Top cover. Level 1, Westfield West Lakes Shopping Centre, SA (8,472.45 mi) West Lakes, SA, Australia, SA 5021. I have been with HCF for many years. name@example.com). HCF Health Insurance (Health Insurance): 3.2 out of 5 stars from 513 genuine reviews on Australia's largest opinion site ProductReview.com.au. The health insurance companies we reviewed will allow you to request a quote online rather easily. This is about money not health. My wife was charged out-of-pocket money.So, I contacted HCF and they said the dentist charged higher amount. I said I have definately got remedial extras to use even within the sub limit. - if the provider charges higher, HCF must remove them from the list. If not paid ask why. Overall. The benefit amount your fund pays you for hospital services depends not only on the type of cover you buy, but also whether your fund has an agreement with the hospital where you're treated. Points for joining and extra points for fresh fruit and veg. It would not work still. Though with the increases in premiums and the reduced benefit in regards to tax, I am wondering if private health insurance is really necessary. Terms and Conditions can be found here. on product review in the subject of the email + membership number. Please email the details to social@hcf.com.au Depending on where you live, you may not need a policy with ambulance cover. I have already got quotes from other health funds that can see that my 10 year anniversary has come an gone ! the customers. I was a member for 15 years but they don't care. Since then, it has grown to become one of the country’s largest combined registered private health fund and life insurance organizations. I arrive half an hour early and they see me 15 minutes early ( good start) but they haven't got my request on file and are only prepared to do clean as there isn't a Dentist available. In most cases you can select non-smoking if you have not smoked in over six months. When we score policies we give each fund a complaints rating, based on the number of complaints and serious disputes the Ombudsman deals with. Goodbye! product review in the subject of the email + membership number. They can't get the basics right so why would you trust them with health insurance? We at CHOICE acknowledge the Gadigal people, the traditional custodians of this land on which we work, and pay our respects to the First Nations people of this country. HCF provides private health insurance cover for a full range of health cover including pet insurance, travel insurance and life insurance. Then I received another email dated 5 Jan 2021 saying my insurance has been cancelled because I did not pay the premium.Why send me an email on 5 Jan 2021 asking me to pay by 31 Dec 2020? The table below shows how many hospital agreements HCF has in your state compared to the fund with the highest number (the industry maximum). I have been trying to talk to someone about a claim for the last hour and it's been a nightmare. Australian Unity Health Reviews To improve the satisfaction of our customers, we have partnered with the online review community, Trustpilot, to collect reviews. 2. Alternatively, some health fund policies will cover ambulance in your state or territory or refund at least part of the cost of the ambulance service cover. 1 check-in. When you’re with HCF, it’s all about you Make extras claims via our mobile app We’ve taken the hassle out of claiming – just send us a photo of your receipt using the HCF app. With four policies options, HCF Hospital Cover provides health insurance for all life stages. 4. I made an online appointment where it asks reason for visit and preferred Dentist so I made my request for a specific concern, six emails later I get my appointment ( two months in the future). I moved house and had to update my address, I was on hold for at least 30min, I then changed my debit card and needed to update my payment details, on hold this morning for 25min then hung up as I didn’t have time to keep waiting, I tried again later in the day, on hold again for 25min. I am seriously considering cancelling my health insurance and relying on Medicare!! Might be better off in the long run just to depend on Medicare. My direct debit still works as you are taking my monthly payments. 5 private hospital agreements out of an industry maximum of 6, 7 day hospital agreements out of an industry maximum of 9, 86 private hospital agreements out of an industry maximum of 95, 87 day hospital agreements out of an industry maximum of 109, 1 private hospital agreements out of an industry maximum of 2, 1 day hospital agreements out of an industry maximum of 1, 48 private hospital agreements out of an industry maximum of 57, 39 day hospital agreements out of an industry maximum of 61, 24 private hospital agreements out of an industry maximum of 28, 19 day hospital agreements out of an industry maximum of 33, 8 private hospital agreements out of an industry maximum of 8, 6 day hospital agreements out of an industry maximum of 8, 68 private hospital agreements out of an industry maximum of 77, 50 day hospital agreements out of an industry maximum of 83, 19 private hospital agreements out of an industry maximum of 23, 13 day hospital agreements out of an industry maximum of 25, Total discount for annual prepay via direct debit: None. She gives me an invoice where the cleaning is listed but crosses it out with a line. Paid over 1k in out of pocket costs to pathology ect never received back after endless requests. They can't even provide the clearance certificate my new provider requires because of a "glitch" in their system. I have been a HCF member for two years, prior to this I was with BUPA, I should have stayed with BUPA.I read my supplementary benefits list and it showed that I was eligible for between $800 and $1,800 rebate for hearing aids, so I rang HCF and spoke to a very nice young lady, who said she could tell me what my benefit would be if I could give her an Item number. Get Directions. They offer a variety of Hospital and Extras policies, as well as a few convenient package options that combine Extras and Hospital cover for singles, couples and families. The health insurance Ombudsman has noted that HCF received 15.4% of all health insurer complaints in 2019. No answer has been received to e mails since Jan 2021 despite being advised to contact HCF when I will travel. The Manager on the front desk makes no apology and only offers to make another appointment a month later, and when I ask her to find a solution now as I have taken time from work she simply tells me it's done now and nothing she can do. Regards Extras don't seem as high as some but that suits me. I'm still on hold on the phone trying to reach them, been on hold for an hour now, not kidding. Point 1 Why not simply spell this out in the benefits list? If I am not able to resolve this issue, I will go with another provider who is more competent and doesn't keep increasing premiums and decreasing services. Compare HCF Health Insurance. Hopeless. They both offer a wide range of packages including Accident Only, Accident & Illness, or Comprehensive policies. These proposed changes are reviewed, and if the insurer can’t sufficiently justify why they need to increase their premiums, the proposal will be rejected. Now calling back and have been on the line waiting for 45 min. HCF describes they cover 100% back if we see their no-gap service providers. What a load of rubbish! Value for Money; Customer Experience. If you’re concerned about how your health fund uses its profits, Phoenix Heath Fund is a not-for-profit health insurance company that’s been around for 65 years, and enjoys high overall satisfaction with its happy members. I haven't tried claims yet, so maybe that is where the problem lies. Customer service really disappointing. The ratings are Low, Medium and High. Plus, there's great member benefits too. Online claiming available for dental, physio, therapies, pharmacy, artificial appliances. All reviews, good, bad or otherwise are made accessible to customers with the average review rating expressed as the “TrustScore” located at the top of the list of reviews below. CHOICE supports the First Nations people's Uluru Statement from the Heart. My previous Heath fund ‘Police health’ doesn’t offer any rewards to its customers nor offer 100% no gap to certain claims. !There were no emails or sms reminders or even a phone call to let me know my premiums are not up to date. Response time. These do not influence our content moderation policies in any way, though ProductReview.com.au may earn commissions for products/services purchased via affiliate links. I will be looking for an alternative. We take into account the size of the fund, so big funds don't get automatically penalised for having more complaints. Joined recentlyExtremely easy but had questionsRang their number as first payment dates slightly confusing. 2 people like this. I pay my premium through my credit card, which expired. But not-for-profit fund HCF and ASX-listed NIB – Australia's third and fourth biggest health insurers, respectively – gained hospital cover customers. Search. No wonder the phone lines are busy. Can you please message us your membership details as we would like to investigate any concerns that you may have. led request, the Hygienist goes away, finds a Dentist (who was great and did the work originally requested) and tells me because we started early and she has a cancellation she will also do a clean. I wasted over 1 hour on a simple question. When i had policy was useless. I joined Frank in August 2020. t review in the subject of the email with membership number. ProductReview.com.au has affiliate partnerships. Metropolitan WA: If you want to be covered for ambulance you need to buy a health insurance policy with ambulance cover. Spoke with rude useless Susan Mitchel of HCF is the biggest scam of an employee there is. Reward ALL members including your long term loyal ones if it’s about good health promotion, Read the reviews for Frank Health Insurance. As the health insurance premium rate rise is a weighted average, some health funds increase their prices more than others. This is really one of the worst experiences of customer service I have had. Initial person i spoke to could not help (after 20 min on the call) so they put me in a line to talk to a supervisor and after 20 min they call hung up. Hi i took out hcf 3rd May 2020 I'm booked in for surgery 28th may 2021 have I waited long enough thanks in advance. HCF (The Hospitals Contribution Fund of Australia) was formed in 1932 to provide health insurance cover to Australians. Community See All. HCF is the 3rd largest health insurance company by market share (10.3% in FY2010) and is the largest not-for-profit health … My wife visited the dentist who is on the list of no-gap service providers. In South Australia, Victoria and the Northern Territory you can buy emergency ambulance cover directly from the ambulance service. Bupa vs HCF Pet Insurance. I have been trying for several days to contact HCF so that I can change my payment details. A good super fund can make a substanial difference to the amount you retire with. Their customer service has become useless so I've tried to change to another provider. Truly appalling. HCF claim they are not for profit, yet they have some of the highest premiums in the industry. 2 Thanks for choosing HCF for your private health cover. Despite costing as much as $2410 a year for a couple, the policies come with so many restrictions and exclusions that, in many cases, less than one per cent of care would be covered during a hospital stay. The results are sorted by star rating (highest to lowest) and then product … HCF quoted me an amount to cover me until periodical payments were established and then proceeded to withdraw a higher amount from my bank account. I’m feeling that their 100% back (no-gap service) is not trustworthy and HCF deceives the customer. Reviews can be both positive and negative. If you’re comparing health insurance policies, the table below displays a snapshot of HCF health insurance current Hospital and Extras health cover on Canstar’s database for a single, 30-year-old male living in NSW. HCF is the 3rd largest health insurance company by market share (10.3% in FY2010) and is the largest not-for-profit health fund in Australia. Shame on you HCF! Boggles me so I have to 'keep track of my extras...yeah right. After I show the emai... Dear SteveWe are sorry to hear about your experience, can you email us your HCF membership details to social@hcf.com.au so we can investigate the issues you have raised further.Please mention produc... Over a month now that we have been waiting on HCF to try an sort out our policy as it has just fallen the 10year anniversary , so our payments are suppose to drop in half now approximately $200 a month , which is a lot to a pensioner ... plus they found that the load rating has not been adjusted in the 10years an we have been getting over charged every month.Phone call after phone call with the promise that someone will call you back and have this sorted out . I have spoken to two of your representatives in the past two weeks. I logged into policy and called only to find that they cancelled policy for non payment BUT ARE STILL CHARGING MY CARD. App (iOS and Android) for extras claiming. We've outlined the main ones here so you don't have to dig through all the research yourself. We are already to go and then she tells me her next appointment is here so she can't do the clean after all. Compare Insurance › Health Insurance › Health Reviews › HCF. We take into account the size of the fund, so big funds don't get automatically penalised for having more complaints. HCF had all the benefits I... HCF was the best bet for a health insurance policy. Yes, adult children are covered up to age up to age 22 and up to age 25 if full-time students. She gives me a tube of toothpaste and a toothbrush as much to say do it yourself and as if I don't have these items in my home. They sent me an email on 5 Jan 2021 saying I am behind on my premiums and my insurance will be cancelled if I do not pay my last month's premium by 31 Dec 2020. review in the subject of the email with membership number. After about 20 mins she asked me to lodge my concerns at the HCF website complaints section. Plus they have a very reasonable corporate cover. A medical gap is the difference between Medicare's recommended fee and what your doctor actually charges for a treatment or service. INTERNAL REVIEW. Does HCF offer family policies that cover adult children? This would save my time HCF's time and Specsavers time? I received a letter a couple of weeks ago saying my coverage had stopped and now today they've sent new membership cards. Whirlpool. Review and compare their Hospital, Extras and Package options. If we need more information or time, we’ll be in touch. HCF complaints rating: Medium When we score policies we give each fund a complaints rating, based on the number of complaints and serious disputes the Ombudsman deals with. Stay informed. I tried to update both things online and it wouldn’t accept it, tells me to phone, I’ve been with HCF since 2009 and this is not acceptable :(. It seems they're trying to wear you down so that it's just simply too much efforts to complain about them. The latest time today, I was placed in a queue. User #403610 2160 posts. Health Insurance Australia 2009 - 2014. Companies can't alter or remove reviews from ProductReview.com.au. I've read the main issues with HCF are the delays in claims, call centre wait times and problems getting answers. We’ve partnered with HCF, voted Australia’s most trusted health insurer for 2 years running^, to bring you an exclusive Lifestyle by Wyndham joining offer. Usually I claim through HiCaps and am reimbursed immediately. I ask who is in my mouth and what is point of asking who my preferred Dentist is if I only get to see a Hygienist and how do they check for problems. Point 2 Why not train staff so that they can give succinct answers to member questions? Freedom offers a unique feature in its Your Choice policy - it allows you to choose cover for a similar range of conditions and treatments to most other health insurance policies, however, it pays out differently. 4. from December 2013; to June 2014; last updated – posted 2014-Jun-18, 9:45 am AEST posted 2014 … called within week with new card number , have a 22 min call to helpline, then charged 150 and weekly amount TO DATE and STILL CHARGING ME ON NEW CARD. Enter a valid email address (e.g. In NSW and the ACT, all hospital policies come with emergency ambulance cover – so you'll be covered with any hospital or combined policy you select. The winner was randomly drawn, provided that their public review has been posted between 16 April 2018 and 31 July 2018. HCF is a not-for-profit insurance company, meaning any profit goes back into the fund rather than being shared among shareholders. Does HCF get many complaints from members? If you take up the One Big Switch Health Insurance Offer with HCF, One Big Switch will send a Prezzee eGift Card to the value of $400 for families, couples and single parent families and $120 for singles. After attempts to contact HCF by phone my call dropped out after 20 minutes. The ratings are Low, Medium and High. heir website, so shouldn't they at least remind me that they haven't received my premium because of the expired credit card?! Just be aware that it could take hours or a couple of days to get through and you may not get answers. For paying $145 a month I would expect to be able to speak to someone when I need to about anything, for the customer service agent to actually have some sort of idea about their products and for me to be able to log in and see what I have left on my extras. 4. They have lost me as a customer , im leaving HCF ... will take my business elsewhere ! Further details in the disclaimer. The HCF health fund is the third largest private health insurer in Australia, with 10.4% of the market share, as of 2018 and the largest not-for-profit health fund. It seems that the policies and eventual claim being approved is not too bad which is what I am most interested in. A Low rating is better than a High rating – it means the fund has fewer complaints and fewer serious disputes for its size. We take into account the size of the fund, so big funds don't get automatically penalised for having more complaints. Claims are paid with no fuss. If you are considering Bupa or HCF pet insurance, you can compare what’s available in our comparison table below. Rural WA: You can buy emergency ambulance cover directly from the ambulance service. And while they don’t come cheap, low-value or ‘junk’ policies with Medibank, NIB and HCF were among the worst offenders. HCF website clearly states that complaints can be made in person. It'd have taken the centre manager about 2 minutes to address my concerns. Alternatively, some health fund policies will cover ambulance or refund at least part of the cost of the ambulance service cover. Ive been with HCF for a couple of years and never had a problem with claiming. Compare. General disclaimer: All third party trademarks, images and copyrights on this page are used for the purpose of comparative advertising, criticism or review. How many hospital agreements does HCF have in my state? menu Whirlpool Go to navigation. Paid for policy every week, card expired a year later. But certainly I have had no issues with getting connected either on the phone or through the chat app on their website to get the answers I need. How can we believe their list? Very impressed. 2 people follow this. Find out what makes a not-for-profit health insurance company different. Got fantastic person by phone very technically minded and helped straight away. As a Lifestyle by Wyndham member if you join HCF Hospital & Extras cover you’ll receive a $200 cash back for families & couples cover, or $100 cash back for singles cover, when you stay with HCF for 3 months*. Their hospital benefits and premiums were the best around. There are a number of government rebates, discounts, and additional charges that could apply to you when taking out private health insurance. At HCF, we provide: cover to suit your needs – for single people, couples and families; an easy experience – we make getting cover and claiming as simple as possible; experts who speak many languages – our friendly people are at your service; 24/7 helpline – call us on 13 68 42 (option 2) if you have a health issue. HCF did not provide the necessary detail to my previous fund and as a result that fund made another deduction from my bank account. More details. Forums. These are the best credit cards this year, as decided by ProductReview.com.au reviewers. Does HCF cover breast implant removal and replacememt if previous ones are ruptured or damaged? I recently joined HCF after reviewing my insurance needs through Iselect. The first time I called them, they said ohh our visitor line close at 5 but I answered your call anyway, we are in Sydney. I just went to th... Mum was in hospital and tried multiple time to speak someone to know the cover and hospital staff also tried but couldn’t spoke to anyone, however now I cancel a membership. I am currently based overseas and impacted by COVID travel restrictions I have been trying to reactivate a suspended membership for over 6 months as I will return to Australia now. (This is ten to 15 minutes on the phone) So I called Specsavers to ask for an item number, they informed me that there are no item numbers for hearing aids, but, they would give me a... Just joined after countless hours of research, so I feel ready for what is about to come my way. Their young singles and couples policy gave me al... Benefits getting less each... Have been with HCF for more than 10 years. You'll learn that the monthly rates increase quite a bit as you age. I have all my bank statements to back up that i have never missed a payment ! HCF is a provider of health insurance, life insurance, travel insurance, and pet insurance. From retail super funds to self managed super funds, view reviewer ratings for the best super funds of 2020! HCF was offering reviewers a chance to win a $500 VISA Gift Card. written quote, which I could then submit to HCF, this was emailed to me and once again I called HCF, eventually I spoke to a person, who actually knew that there are no item numbers for hearing aids and she also advised me that I would get $800.00, because, I had not been with HCF for longer than 3 years. All HCF extras, hospital and combined policies have emergency ambulance cover. It’s HCF’s responsibility. We’ll let you know that we’ve got your complaint within 2 business days and aim to resolve it within 5 business days. Whether it's the sign up bonus, rates and fees, or reliable customer service that you look for in a credit card, a credit card is often used everyday, so it's important you choose one that meets your needs and that you're happy with. 3.2. Extras cover – one service per person / two per policy a year. e remedial massage place and the hicaps machine would not let me claim. To share your thoughts or ask a question, visit the CHOICE Community forum. Freedom Health Insurance Review. Well that didn’t happen so I am hundreds of dollars out of pocket and am still waiting for reimbursement for well over a month now. Saw dentist at George Street Sydney 12 March 2021; shocking manners appalling service. Archive View Return to standard view. I went to the complaints dept, sent a message via messenger to get results good luck you will need time and patience, both of mine ran out eventually, I’ve transferred to another fund, too many hassles with customer service and claims process. My gripe is that the Manager couldn't have cared less even though it was their mistake and she blamed the Hygienist for coming from a different centre (so she "didn't know how she worked") and the other reception staff when making the booking. Established in 1932, HCF is Australia's largest nonprofit health fund with almost 1.7 million members. She tried 5 times. AVOID. Not-for-Profit Health Funds in Australia . HCF vs Medibank. She asked me to send email. About HCF Health Insurance. When I tried to call HCF the phone line was 'closed'. I made a complaint through the HCF member website and they did not bother to respond. The bonus sign up offer of $400 cashback with RAC membership finally got me to move. That may sound like a lot but HCF is the third biggest fund … 3. I will now most likely have to pay increased premiums and have waiting periods imposed all because I forgot to update my credit card details. I said oh I didn't know as I am in QLD.I asked her could she show me where I go to see all my benefits I have left, she told me to log in online to see, which I did whilst she was on the phone and there is no where to look on the logged in online page. Ltd. All Rights Reserved. uld not address issues with centre manager on-site.
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