There are lots of ways to claim on your HCF policy, including:
On the spot - Use your membership card to claim at your service provider.
Online - Use the online member services portal or the My Membership app.
In person - Visit a HCF branch to claim in-store.
By post - Send a completed claim form and receipts to HCF, GPO Box 4242, Sydney, NSW, 2001.
Complaints info
HCF has a sub-standard complaints record. In the last financial year, it claimed 12.5% of market share but accounted for 13.5% of private health insurance complaints lodged to the Commonwealth Ombudsman. This means it received a higher-than-average share of complaints.
"I've had HCF ambulance cover for years now, and it's given me the peace of mind that I need. There's nothing worse than having to worry about the cost of an ambulance when you need it."
No. HCF and Bupa are different health insurance brands and are not part of the same network.
HCF is owned by the Hospitals Contribution Fund of Australia.
The benefits you receive from HCF depend on which policy you take out and any waiting periods you may have served. Always read your PDS carefully to understand benefits and exclusions.
All user-submitted reviews must meet our review guidelines. These set out our standards and expectations, including that the review is from by a genuine user of the relevant product or service and that it is honest, authentic and respectful. We explicitly prohibit fake or otherwise misleading reviews and we check all submissions, but we make no guarantee as to the authenticity of any published review or reviewer. Some reviews may be submitted (regardless of sentiment) in exchange for entry into any competition(s) for which we are the promoter.
Nicola Middlemiss is a journalist with nearly a decade of experience in personal finance and insurance. She has contributed to Domain, Yahoo Finance, Money Magazine and Insurance Business Australia, offering in-depth insights into commercial insurance in the Australian market. Nicola holds a Bachelor’s degree in English from the University of Leeds and a Tier 1 General Insurance (General Advice) certification, which complies with ASIC standards. See full bio
Nicola's expertise
Nicola has written 241 Finder guides across topics including:
Personal finance
Personal insurance, including car, health, home, life, pet and travel insurance
If you’re working or studying overseas, taking out expat health insurance before you leave will ensure you can access a high level of medical care globally and get more than what's offered by travel insurance.
Need health cover for gastroscopy? Find out how private health insurance and Medicare cover treatment and compare the costs for the most affordable option.
Find out everything you need to know about getting couples health insurance.
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