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HCF health insurance review

Our verdict: HCF has competitively priced Bronze Plus, Silver Plus and Gold (but no Basic) hospital policies, as well as several good value extras policies.

4.0 ★★★★★ (146 reviews) Write a review


  • Most hospital policies cover more than the minimum tier requirements, but are still competitively priced.
  • Of the big funds, HCF had the highest member retention rate (98.6%) according to the latest Commonwealth Ombudsman figures.
  • "Starter Extras" is the cheapest extras policy with a benefit for remedial massage, starting at around $12 a month.


  • No Basic or Basic Plus policies available.
  • HCF received the highest number of complaints compared to market share of any of the big health funds.

Tim Bennett

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.
— Tim Bennett, insurance expert

HCF health insurance: Our verdict

HCF has a wide selection of comprehensive hospital policies that are competitively priced. It also offers several extras policies that are good value for particular treatments. It did receive more than its fair share of complaints in 2022, but it also had the highest member retention rate of all funds.

HCF is good if:

  • You're after a cheap Silver Plus policy. "Hospital Standard Silver Plus" is good value, covering 29 treatments from around $108 a month.
  • You want a mid-priced extras plan with good dental coverage. "Mid Extras" offers 100% back on up to 2 dental checks per year, from around $32 a month.

HCF is not great if:

  • You need a Basic or Basic Plus policy (especially if it's to avoid the MLS or LHC).
  • You want the best value Bronze Plus policy – we found comparable alternatives for less from Medibank and HBF**.

Review by our health insurance publisher Tim Bennett.

**"HCF Hospital Bronze Plus" covers 25 treatments from around $88 a month, while "HBF Bronze Hospital Plus" and "Medibank Bronze Plus Progress" each cover 26 treatments for around $90 and $90 a month, respectively.

Sign-up deals with HCF health insurance for March 2024

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Health fund members can save 15% off Flip insurance, 5% off Myer e-gift cards & more.


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HCF health insurance complaints

We looked at the 2022 ombudsman health insurance complaints. Here's how HCF stacked up:

  • Of all funds with more than 0.5% market share, HCF ranked 15th out of 19 for the proportion of complaints compared to market share.
  • Proportionally, HCF had the highest number of complaints when compared to the big health funds.
This chart shows the weighted volume of complaints received by each health fund, according to the Commonwealth Ombudsman. The lower the number, the better. Only non-restricted funds with a national market share of at least 0.1% are included here. HCF is fifteenth overall in this ranking. The weighting ensures that funds are compared fairly; larger funds serve more customers so can potentially get more complaints.

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