HCF's Hospital Bronze Plus policy is the 2024 Finder Award winner in our bronze category. It won based on value for money, meaning policies that covered more treatments in a private hospital for a lower premium scored higher. It scored higher than all eligible bronze hospital policies on the market.
HCF's Hospital Standard Silver Plus ranked in second place out of all of the eligible silver policies we analysed. The not-for-profit health fund's policy costs approximately $30 per week and covers treatments including digestive system, heart and vascular system and back, neck and spine.
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**.
**"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.
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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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Diamond members, who've been with HCF for over 25 years and have a top tier policy, are rewarded with preferential servicing, a growing range of exclusive offers, VIP experiences and more
Ruby members, who've been with HCF for more than 10 years, get access to special offers and rewards, exclusive access to unique events and more
Emerald members get, for 5 years of membership, access an increasing range of discounts and privileges from HCF partner brands
Opal members, who have been with HCF for under 5 years, are still rewarded with various exclusive offers and rewards.
If you need to make an extras claim with HCF, you can lodge your claim in the following ways:
On the spot. You can swipe your HCF membership card when you visit your service provider to claim immediately.
Via the HCF mobile app. You can take a photo of your receipt with your smartphone to submit your claim.
Online. Online claims can be made through the HCF member services portal. You'll need to post your original receipts to the health fund to complete your claim.
At a branch. Claims can be lodged in an HCF branch by presenting your membership card and your original receipts.
By post. You also have the option of downloading a claim form from the HCF website or phoning the health fund to request one. You can then send the completed claim form and your receipts to: HCF, GPO Box 4242, Sydney NSW 2001.
As for medical bills from your treating doctor, if you were treated under the HCF Medicover agreement the bills will go directly to HCF. If not, you can submit your health insurance claim at any HCF or Medicare branch.
If you're planning on visiting or working in Australia, HCF has a range of options available to you. It's important that you have the right level of health insurance as part of your visa requirements.
Tim Bennett is a Finder insurance expert. For over 10 years he's reported on news, politics, finance and other topics as a journalist and radio presenter. Tim's roles have included radio news reader and breakfast at the ABC, news producer for SBS and producer for Fairfax Media. Tim regularly appears as a health insurance expert on programs like Sunrise and SBS news, as well as in the Australian, The Daily Telegraph, The Courier Mail and more.
Bupa health insurance offers different levels of cover for better health services but also provides tax benefits and prevents government penalties.
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