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.
Health Insurance - Trusted Brand (Highly Commended)
Health Insurance - Quality Service Brand (Highly Commended)
Winner for Best Health Insurance - Silver Hospital 2023
Winner for Best Health Insurance - Bronze Hospital 2023
Finalist for Best Health Fund of the Year 2023
"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.
Nicola Middlemiss is a contributing writer at Finder, with a special interest in personal finance and insurance. Formerly a business and finance journalist, Nicola has written thousands of articles helping Australians better understand insurance and grow their personal wealth. She has contributed to a wide range of publications, including Domain, the Educator, Financy, Fundraising and Philanthropy, Insurance Business, MoneyMag, Mortgage Professional, Yahoo Finance, Your Investment Property, and Wealth Professional. Nicola has a Tier 1 General Insurance (General Advice) certification and a Bachelor's degree from the University of Leeds. 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
Get affordable cover for ambulance transport if you are not already covered under Medicare. Compare quotes from Australian funds to decide which level of protection is best for you.
Learn how to get cheap health insurance and what you can expect for your money.
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Finder makes money from featured partners, but editorial opinions are our own.
Finder is one of Australia's leading comparison websites. We are committed to our readers and stand by our editorial principles.
We try to take an open and transparent approach and provide a broad-based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.
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Depending on your age, you may be eligible for an
aged-based discount. This is used to estimate your
rebate.
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This is the combined income you and your spouse earn before tax. It's needed to calculate the correct Australian government rebate.
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$93,001 to $108,000
$108,001 to $144,000
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*Prices updated March 2024, in line with Finder's
database of health insurance policies. Prices are based
on a single individual with less than $93,000 income and
living in Sydney with a $750 excess.
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