Established in 1932, HCF is Australia's largest nonprofit health fund with almost 1.7 million members. HCF has several dental and eyecare centres in Sydney, and offers health and wellbeing services such as quit smoking programs and swimming lessons.
Phone: 131 334
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. We take into account the size of the fund, so big funds don't get automatically penalised for having more complaints. The ratings are Low, Medium and High. A Low rating is better than a High rating – it means the fund has fewer complaints and fewer serious disputes for its size.
A medical gap is the difference between Medicare's recommended fee and what your doctor actually charges for a treatment or service.
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).
Our graphic below displays the CHOICE gap rating, which takes into account the percentage of services where members either paid no gap or a known gap, compared to the state average.
- Well above average
- Above average
- Below average
- Well below average
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.
The table below shows how many hospital agreements HCF has in your state compared to the fund with the highest number (the industry maximum). Note that public hospitals don't have agreements with specific funds and are generally treated as though they're agreement hospitals.
Discount for direct debit: None
Discount for annual prepay: None
Total discount for annual prepay via direct debit: None
Youth discounts: None.
All HCF extras, hospital and combined policies have emergency ambulance cover.
Cover is capped for:
- Extras cover – one service per person / two per policy a year.
Do you need ambulance cover?
Depending on where you live, you may not need a policy with ambulance cover.
- In Queensland or Tasmania, emergency ambulance services are covered by your state government.
- 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.
- In South Australia, Victoria and the Northern Territory you can buy emergency ambulance cover directly from the ambulance service. 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.
- Rural WA: You can buy emergency ambulance cover directly from the ambulance service. Alternatively, some health fund policies will cover ambulance or refund at least part of the cost of the ambulance service cover.
- Metropolitan WA: If you want to be covered for ambulance you need to buy a health insurance policy with ambulance cover.
Yes, adult children are covered up to age up to age 22 and up to age 25 if full-time students.
Online claiming available for dental, physio, therapies, pharmacy, artificial appliances. App (iOS and Android) for extras claiming.