HCF health insurance review

HCF picked up multiple accolades in the 2025 Finder Health Insurance Awards but its complaint record could be better.

Our verdict

Pros

  • If you're looking for Gold standard hospital cover, HCF's policy is one of the cheapest.
  • HCF's Bronze Plus policy is cheaper than average, at around $91 a month.

Cons

  • If you're just looking for cheap cover, Frank, ahm and Bupa all offer lower-cost hospital cover.
  • HCF had a sub-standard complaints record in the last financial year.
  • There's no Basic hospital policy available. The lowest level of cover is Basic Plus.

HCF health insurance

HCF has a range of health insurance policies available. Remember, the best health insurance for you will depend on a range of factors so it can be beneficial to compare many options.

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Treatments Price
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
$22.29
per week
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  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
$19.11
per week
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HCF logo
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
$27.77
per week
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HCF logo
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
$41.58
per week
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8 of 8 results
Treatments Price
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
$4.12
per week
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HCF logo
HCF AMBULANCE ONLY
Extras cover
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
$1.19
per week
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HCF logo
HCF STARTER EXTRAS
Extras cover
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
$3.12
per week
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HCF logo
HCF FLEX MY EXTRAS
Extras cover
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
$6.99
per week
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HCF logo
HCF MID EXTRAS
Extras cover
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
$8.38
per week
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HCF logo
HCF Choose My Extras
Extras cover
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
$11.59
per week
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HCF logo
HCF VITAL EXTRAS
Extras cover
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
$14.62
per week
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HCF TOP EXTRAS
Extras cover
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
$19.36
per week
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3 of 3 results
Treatments Price
Hospital
Extras
$24.39
per week
Get up to 8 weeks free after the first year, plus 2 month waiting periods waived, on eligible combined cover. Ends 20 Apr 2026. T&Cs apply.
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Hospital
Extras
$51.37
per week
Get up to 8 weeks free after the first year, plus 2 month waiting periods waived, on eligible combined cover. Ends 20 Apr 2026. T&Cs apply.
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HCF logo
Hospital
Extras
$56.95
per week
Get up to 8 weeks free after the first year, plus 2 month waiting periods waived, on eligible combined cover. Ends 20 Apr 2026. T&Cs apply.
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How to make a claim

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.

Finder Awards badge

Congratulations, HCF!

HCF was a big winner in the 2025 Finder Awards.

  • Winner, Best Basic Hospital Health Insurance: Hospital Basic Plus $750 Excess
  • Winner, Best Bronze Hospital Health Insurance: HOSPITAL BRONZE PLUS $750 EXCESS
  • Highly commended, Best Silver Hospital Health Insurance: HOSPITAL STANDARD SILVER PLUS
  • Highly commended, Best Comprehensive Extras Health Insurance: VITAL EXTRAS

Full list of 2025 health insurance winners

Sign-up deals with HCF health insurance for March 2026

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Name

Get up to 8 weeks free

Ends 20 April 2026

Get up to 8 weeks free after the first year, plus 2 month waiting periods waived, on eligible combined cover. T&Cs apply.

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Tim Bennett's headshot

"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."

Insurance expert

FAQs

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Sources

Nicola Middlemiss's headshot
Journalist

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 251 Finder guides across topics including:
  • Personal finance
  • Personal insurance, including car, health, home, life, pet and travel insurance
  • Commercial business insurance

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