HCF Health Insurance

HCF are Australia’s largest not-for-profit health insurance provider. Founded in 1932, HCF is Not-for-profit meaning all money made goes back into providing better services and cheaper premiums for you. HCF are fully Australian owned and boast 1.5 million members. HCF’s 2020 goal is to make their healthcare, “understandable, affordable, high-quality and customer-centric.

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What makes HCF different?

HCF health insurance aim to improve their services constantly, and this is reflected in their most recent performance figures. According to their 2017 Annual Report¹, HCF also perform better than the industry average in medical gap coverage and operating expense ratio metrics. Here are some facts and figures that help HCF stand out from the crowd.

And when it comes to working out the facts and figures, HCF’s ‘Preparing for Hospital Website and Cost Indicator Tool²’, helps you understand how much outlay you’ll need to prepare for based on the treatments you will receive.

HCF has also formed a partnership with digital health platform ‘Healthshare’, which links members with the most conveniently located specialists³ who participate in their ‘no gaps’ and ‘known gaps’ schemes.

What types of cover do HCF offer?

Hospital cover:

HCF offer the following levels of hospital cover⁴:

• Hospital Bronze Plus: Joint reconstructions, kidney and bladder, digestive system
• Hospital Silver: Digestive system, heart and vascular system, back, neck and spine
• Hospital Silver Plus: Heart and vascular system, cataracts, joint replacements
• Hospital Gold: Pregnancy and birth, assisted reproductive services and hospital psychiatric services
• My Future Basic Plus Hospital: Can only be taken with My Future Extras, offers joint reconstructions, hernia and appendix and dental surgery
• My Family Silver Plus Hospital: Can only be taken with My Family Silver Plus Extras. Offers tonsils, adenoids and grommets, pregnancy and birth, sleep studies
• My Family Advanced Silver Plus: Can only be taken with My Family Advanced Silver Plus Extras. Offers tonsils, adenoids and grommets

Extras:

HCF offer the following levels of extras cover⁵:

• Starter Extras: 100% back on one dental check per year at participating providers, as well as basic extras cover on a range of therapies
• Starter Extras (with optical): 100% back on one dental check, optical including glasses and contact lenses, cover on a range of therapies.
• Mid Extras: 100% back on two dental checks per year, prescription glasses excluding add-ons, cover on a range of therapies
• Vital Extras: Comprehensive extras cover, access to all of the HCF More for you no-gap services, increasing loyalty limits each year
• Top Extras: HCF’s most comprehensive extras cover, highest annual limits, increasing loyalty limits each year
• My Future 750 Extras: Can only be taken with My Future Basic Plus hospital cover, $600 combined extras limit, more for muscles, teeth whitening provided by your dentist
• My Future 500 Extras: Can only be taken with My Future Basic Plus hospital cover, $750 combined extras limit, plus $180 for optical. More for eyes and more for muscles, teeth whitening (as provided by your dentist)
• My Future 250 Extras: Can only be taken with My Future Basic Plus hospital cover, $900 combined limit plus $180 optical. More for eyes, and more for muscles. Teeth whitening (as provided by your dentist)
• My Family Silver Plus Extras: Can only be taken with My Family Silver Plus hospital, flexible cover allows your family to choose how you use your extras
• My Family Advanced Silver Plus Extras: Can only be taken with HCF My Family Advanced Silver Plus, comprehensive cover for a wide range of services

How do you make a claim with HCF?

You’ve received treatment for something covered by your plan. Now it’s time to claim some of it back. Making a claim with HCF can be done in five different ways.

1. On the spot: Use your HCF membership card in conjunction with your service providers HICAPS electronic claim system. The claim will be settled right away.
2. Use the Mobile App: Use your phone to photograph your receipt and send it to HCF for processing.
3. Online: For selected extras only. Login to your account. Fill out the details required. Mail the original receipt to: HCF, GPO BOX 4242, SYDNEY NSW 2001
4. In person: Go to your local HCF branch with your membership cards and receipts.
5. By mail: Fill out a claim form and attach your receipt. Post them to HCF, GPO BOX 4242, SYDNEY NSW 2001

How do you make payments?

Like many service providers, HCF offer a variety of simple and straightforward ways to pay, but first, you need to complete the relevant section of HCF’s payment authority form⁶.

Whether you decide it’s best to pay weekly monthly or yearly you can pay:

• Through your employer
• By EZIPAY direct debit
• By credit card
• As a group payroll deduction through participating employers.

How do you become an HCF member?

Keen to join HCF? Just have your Medicare card at the ready and log on to our secure application. Or call 13 19 20 to have one of our helpful consultants arrange your HCF membership.

We don’t compare all health insurance providers or policies in the market. The availability of policies will change from time to time. Not all policies available from our partners are compared by iSelect and due to commercial arrangements, your stated needs and circumstances, not all policies compared by iSelect will be available to all customers. Some policies are available only from our call centre and others are available only from our website. Click here to view our range of providers.

Sources:
1- https://www.hcf.com.au/content/dam/hcf/pdf/about-us/2017%20Year%20in%20Review.pdf
2- https://www.hcf.com.au/preparing-for-hospital/cost-indicator-links
3- https://www.hcf.com.au/content/dam/hcf/pdf/about-us/2017%20Year%20in%20Review.pdf
4- https://www.hcf.com.au/insurance/health/private-healthcare-explained/getting-loyalty-benefits
5- https://www.hcf.com.au/insurance/health/private-healthcare-explained/getting-loyalty-benefits
6- https://www.hcf.com.au/pdf/PaymentAuthorityForm.pdf