Is HCF Health Insurance Worth It? Reviews 2025

Our Expert’s Opinion on HCF

Last update: 3 June 2025
HCFHCF
4.4/5
hellosafe-logoScore
A. Fruchard
A. Fruchard
Insurance expert

HCF stands out on the Australian health insurance market thanks to a range of adaptable policies covering essentials through to premium extras, with reimbursement rates on hospital and extras cover that compare favourably to leaders such as Bupa and Medibank. Annual claim limits are competitive (e.g., up to $1,500 for dental, 100% reimbursement for many hospital services in partner facilities). Its policies offer flexible excesses (franchises), allowing members to choose between no excess and up to $750 to adjust premiums. HCF also distinguishes itself with a preventive health allowance—members on eligible extras can access up to $250 for services like health checks and quit programs. HCF is especially suited for singles, couples, and families seeking reliable hospital cover and meaningful extras, without the high costs of some rivals. As Australia’s largest not-for-profit health fund, HCF reported $3.2 billion in premium revenue in 2023, covering 1.8 million members, illustrating its market solidity. On Trustpilot, HCF achieves 4.1/5 from over 2,500 reviews, a testament to customer satisfaction, especially regarding claims simplicity and speed. Most members receive reimbursements within 24-48 hours, reinforcing HCF’s reputation for efficient management and trustworthiness.

  • Strong not-for-profit; solid financial base
  • Flexible hospital and extras plans
  • Generous dental and optical annual limits
  • Up to $250 prevention allowance per year
  • Fast reimbursements (24-48 hours typical)
  • Large hospital partnership network
  • Very high Trustpilot score (>2,500 reviews)
  • Extras covers have sublimits for many items
  • Some waiting periods on dental/major services
  • No basic hospital plan for under 30s only
  • Premiums higher in some regions
  • Limited digital member portal functionality
HCFHCF
4.4/5
hellosafe-logoScore
  • Strong not-for-profit; solid financial base
  • Flexible hospital and extras plans
  • Generous dental and optical annual limits
  • Up to $250 prevention allowance per year
  • Fast reimbursements (24-48 hours typical)
  • Large hospital partnership network
  • Very high Trustpilot score (>2,500 reviews)

Our Expert’s Opinion on HCF

Last update: 3 June 2025
A. Fruchard
A. Fruchard
Insurance expert
  • Strong not-for-profit; solid financial base
  • Flexible hospital and extras plans
  • Generous dental and optical annual limits
  • Up to $250 prevention allowance per year
  • Fast reimbursements (24-48 hours typical)
  • Large hospital partnership network
  • Very high Trustpilot score (>2,500 reviews)
  • Extras covers have sublimits for many items
  • Some waiting periods on dental/major services
  • No basic hospital plan for under 30s only
  • Premiums higher in some regions
  • Limited digital member portal functionality
HCFHCF
4.4/5
hellosafe-logoScore
  • Strong not-for-profit; solid financial base
  • Flexible hospital and extras plans
  • Generous dental and optical annual limits
  • Up to $250 prevention allowance per year
  • Fast reimbursements (24-48 hours typical)
  • Large hospital partnership network
  • Very high Trustpilot score (>2,500 reviews)
HCF stands out on the Australian health insurance market thanks to a range of adaptable policies covering essentials through to premium extras, with reimbursement rates on hospital and extras cover that compare favourably to leaders such as Bupa and Medibank. Annual claim limits are competitive (e.g., up to $1,500 for dental, 100% reimbursement for many hospital services in partner facilities). Its policies offer flexible excesses (franchises), allowing members to choose between no excess and up to $750 to adjust premiums. HCF also distinguishes itself with a preventive health allowance—members on eligible extras can access up to $250 for services like health checks and quit programs. HCF is especially suited for singles, couples, and families seeking reliable hospital cover and meaningful extras, without the high costs of some rivals. As Australia’s largest not-for-profit health fund, HCF reported $3.2 billion in premium revenue in 2023, covering 1.8 million members, illustrating its market solidity. On Trustpilot, HCF achieves 4.1/5 from over 2,500 reviews, a testament to customer satisfaction, especially regarding claims simplicity and speed. Most members receive reimbursements within 24-48 hours, reinforcing HCF’s reputation for efficient management and trustworthiness.
Table of Contents
  • What does HCF health insurance cover?
  • What is the price of HCF health insurance in 2025?
  • Is HCF health insurance accessible to new arrivals?
  • Does HCF health insurance cover seniors?
  • How does reimbursement work with HCF?
  • How to contact the health insurance HCF?
  • HCF promo codes
  • FAQ
  • On the same topic
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Why trust HelloSafe?

Why trust HelloSafe? HelloSafe is an international health insurance expert, supporting thousands of Australians every month in choosing the right coverage. Our specialists have reviewed offers from over 20 insurers in Australia, carefully analysing their benefits, pricing, and quality of service to help you make the best decision for your needs.

What does HCF health insurance cover?

HCF offers a wide range of hospital and extras cover, tailoring options for singles, couples, and families. Notable for strong preventive care and wellness benefits, many plans feature high annual limits and flexible excess choices, with reimbursement rates often exceeding industry averages for dental, optical and physio. Hospital cover generally includes gap arrangements, but there are some restrictions on waiting periods and coverage for pre-existing conditions or certain treatments (e.g., IVF, joint replacements on basic policies). HCF’s value stands out in comprehensive but user-friendly packages, though maternity and some cosmetic procedures are less covered compared to competitors.

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Important information

To help you compare and make your choice, we have added a column with what is reimbursed by the public health system.

Routine medical care

GuaranteeMedicareBasic Hospital & ExtrasMid Hospital & ExtrasTop Hospital & Extras
Prescription medicinesVaries; PBS co-payment from $7.30
Annual threshold: $262.80
70% reimbursement
Excess: $20 per script
Cap: $700/year
85% reimbursement
Excess: $10 per script
Cap: $1,200/year
100% reimbursement
No excess
Cap: $2,500/year
Hospitalisation100%
Shared room (public ward)
Unlimited days
100%
Shared room
Up to 60 days/year
100%
Private or shared room
Unlimited days
100%
Private room
Unlimited days
Ambulance transportNot covered (except for some emergencies)2 trips/year
Max: $400/trip
Per calendar year
4 trips/year
Max: $600/trip
Per calendar year
Unlimited trips
Max: $1,000/trip
Per calendar year
Home careNot covered by default70% reimbursement
Up to $500/year
Per calendar year
85% reimbursement
Up to $1,200/year
Per calendar year
100% reimbursement
Up to $3,000/year
Per calendar year
Laboratory analyses100% (when referred by GP, in public system)Cap: $200/year
Per calendar year
Cap: $400/year
Per calendar year
Cap: $900/year
Per calendar year
Prescription medicines
Medicare
Varies; PBS co-payment from $7.30
Annual threshold: $262.80
Basic Hospital & Extras
70% reimbursement
Excess: $20 per script
Cap: $700/year
Mid Hospital & Extras
85% reimbursement
Excess: $10 per script
Cap: $1,200/year
Top Hospital & Extras
100% reimbursement
No excess
Cap: $2,500/year
Hospitalisation
Medicare
100%
Shared room (public ward)
Unlimited days
Basic Hospital & Extras
100%
Shared room
Up to 60 days/year
Mid Hospital & Extras
100%
Private or shared room
Unlimited days
Top Hospital & Extras
100%
Private room
Unlimited days
Ambulance transport
Medicare
Not covered (except for some emergencies)
Basic Hospital & Extras
2 trips/year
Max: $400/trip
Per calendar year
Mid Hospital & Extras
4 trips/year
Max: $600/trip
Per calendar year
Top Hospital & Extras
Unlimited trips
Max: $1,000/trip
Per calendar year
Home care
Medicare
Not covered by default
Basic Hospital & Extras
70% reimbursement
Up to $500/year
Per calendar year
Mid Hospital & Extras
85% reimbursement
Up to $1,200/year
Per calendar year
Top Hospital & Extras
100% reimbursement
Up to $3,000/year
Per calendar year
Laboratory analyses
Medicare
100% (when referred by GP, in public system)
Basic Hospital & Extras
Cap: $200/year
Per calendar year
Mid Hospital & Extras
Cap: $400/year
Per calendar year
Top Hospital & Extras
Cap: $900/year
Per calendar year

Dental care

GuaranteePublic Health SystemHCF Basic ExtrasHCF Mid ExtrasHCF Top Extras
Preventive & Routine Dental CareMedicare100% up to $106/yr/person100% up to $200/yr/person100% up to $300/yr/person
General Dental (Exams, Cleans, Fillings)Medicare60% up to $320/year75% up to $800/year100% up to $1,200/year
Major Dental (Crowns, Bridges)MedicareNot covered60% up to $600/year, 12-mo wait75% up to $1,200/year, 12-mo wait
OrthodonticsMedicareNot coveredNot covered60% up to $2,800 lifetime limit, 12-mo wait
Preventive & Routine Dental Care
Public Health System
Medicare
HCF Basic Extras
100% up to $106/yr/person
HCF Mid Extras
100% up to $200/yr/person
HCF Top Extras
100% up to $300/yr/person
General Dental (Exams, Cleans, Fillings)
Public Health System
Medicare
HCF Basic Extras
60% up to $320/year
HCF Mid Extras
75% up to $800/year
HCF Top Extras
100% up to $1,200/year
Major Dental (Crowns, Bridges)
Public Health System
Medicare
HCF Basic Extras
Not covered
HCF Mid Extras
60% up to $600/year, 12-mo wait
HCF Top Extras
75% up to $1,200/year, 12-mo wait
Orthodontics
Public Health System
Medicare
HCF Basic Extras
Not covered
HCF Mid Extras
Not covered
HCF Top Extras
60% up to $2,800 lifetime limit, 12-mo wait

Eye care

GuaranteePublic Health SystemHCF Basic Hospital & ExtrasHCF Mid Hospital & ExtrasHCF Top Hospital & Premium Extras
Glasses, contact lenses, surgeryMedicare$120/year, 100% up to limit, no surgery cover$180/year, 100% up to limit, no surgery cover$300/year, 100% up to limit, laser eye surgery $500/lifetime
Optometrist consultationMedicare100% Medicare schedule, unlimited100% Medicare schedule, unlimited100% Medicare schedule, unlimited
Glasses, contact lenses, surgery
Public Health System
Medicare
HCF Basic Hospital & Extras
$120/year, 100% up to limit, no surgery cover
HCF Mid Hospital & Extras
$180/year, 100% up to limit, no surgery cover
HCF Top Hospital & Premium Extras
$300/year, 100% up to limit, laser eye surgery $500/lifetime
Optometrist consultation
Public Health System
Medicare
HCF Basic Hospital & Extras
100% Medicare schedule, unlimited
HCF Mid Hospital & Extras
100% Medicare schedule, unlimited
HCF Top Hospital & Premium Extras
100% Medicare schedule, unlimited

Specialized and paramedical care

GuaranteePublic Health System NameHCF Hospital BasicHCF Hospital Silver PlusHCF Hospital Gold
Alternative TherapiesMedicareNot covered$300/year, up to $30/session (selected therapies)$400/year, up to $40/session (selected therapies)
PsychologistMedicareNot covered$300/year, up to $60/session (with extras cover)$400/year, up to $80/session (with extras cover)
Speech PathologyMedicareNot covered$200/year, up to $50/session (with extras cover)$400/year, up to $60/session (with extras cover)
Travel InsuranceMedicareNot coveredNot coveredOptional travel insurance (purchased separately)
Alternative Therapies
Public Health System Name
Medicare
HCF Hospital Basic
Not covered
HCF Hospital Silver Plus
$300/year, up to $30/session (selected therapies)
HCF Hospital Gold
$400/year, up to $40/session (selected therapies)
Psychologist
Public Health System Name
Medicare
HCF Hospital Basic
Not covered
HCF Hospital Silver Plus
$300/year, up to $60/session (with extras cover)
HCF Hospital Gold
$400/year, up to $80/session (with extras cover)
Speech Pathology
Public Health System Name
Medicare
HCF Hospital Basic
Not covered
HCF Hospital Silver Plus
$200/year, up to $50/session (with extras cover)
HCF Hospital Gold
$400/year, up to $60/session (with extras cover)
Travel Insurance
Public Health System Name
Medicare
HCF Hospital Basic
Not covered
HCF Hospital Silver Plus
Not covered
HCF Hospital Gold
Optional travel insurance (purchased separately)
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To know

Can apply for HCF health insurance: Anyone living permanently in Australia Minimum age to apply: 18 years Must hold a valid Medicare card Children can be covered as dependants up to age 21, or up to 25 if they are full-time students. You can add or remove family members (partner, children) at any time during your policy. Choose from 4 types of cover to suit your needs: Single – For one person only Couple – For you and your partner Single Parent – For one adult plus dependant child(ren) Family – For two adults and their dependant child(ren) Each option offers different benefits adapted to your family situation.

👉 Compare the best health insurance offers in Australia for free.Discover the offers

What is the price of HCF health insurance in 2025?

Type of cover (household composition)Value Plan 1Value Plan 2Value Plan 3
Individual (1 insured)Around $25/monthAround $45/monthAround $65/month
Couple (2 insured)Around $50/monthAround $90/monthAround $130/month
Single Parent Family (1 adult + 2 children)Around $55/monthAround $100/monthAround $150/month
Family (2 adults + 2 children)Around $80/monthAround $145/monthAround $200/month
Individual (1 insured)
Value Plan 1
Around $25/month
Value Plan 2
Around $45/month
Value Plan 3
Around $65/month
Couple (2 insured)
Value Plan 1
Around $50/month
Value Plan 2
Around $90/month
Value Plan 3
Around $130/month
Single Parent Family (1 adult + 2 children)
Value Plan 1
Around $55/month
Value Plan 2
Around $100/month
Value Plan 3
Around $150/month
Family (2 adults + 2 children)
Value Plan 1
Around $80/month
Value Plan 2
Around $145/month
Value Plan 3
Around $200/month
👉 Compare the best health insurance offers in Australia for free.Discover the offers

Is HCF health insurance accessible to new arrivals?

HCF health insurance is designed for new arrivals in Australia, including international students, expatriates, temporary workers, and visitors. It serves as an essential support during transitional periods, such as waiting for access to Medicare, the public health system, or for those who are ineligible for public health cover. This insurance helps protect against unexpected medical costs during your initial stay.

The main benefits typically offered under an HCF health insurance policy for new arrivals include:

  • Medical care: Coverage for general practitioner (GP) visits, basic medical consultations, and doctor's fees. For example, you may be reimbursed for the cost of visiting a local GP for common illnesses or minor injuries.
  • Prescribed treatment: Partial or full reimbursement for prescription medications as listed under the insurance’s approved list. A typical policy might cover up to a certain limit per prescription, for example up to AUD 50 per medication, with a yearly maximum.
  • Specialist care: Access to specialist doctor appointments upon referral from a GP, with coverage for consultation fees—up to a capped amount per visit or per policy year.
  • Emergency dental treatment: Limited cover for emergency dental care in case of accidental injury or acute pain. This might include up to AUD 500 per event for necessary dental intervention after an accident.
  • Medical transport: Covers ambulance fees within Australia in case of emergency, with full reimbursement or up to a set limit per transport.
  • Ancillary hospital costs and death-related expenses: Certain hospital-related costs (such as daily hospital accommodation and theatre fees) may be partially or fully reimbursed depending on your policy. In the event of death, assistance with repatriation or burial costs may be available, typically up to a fixed sum (for example, up to AUD 5,000 for repatriation).
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Important information

Note: The actual coverage amounts and limits may vary depending on the specific plan you choose with HCF. Always refer to your policy documentation for exact details.

The insurance is generally available for subscription for periods ranging from a few months up to 12 months, with renewal options for longer stays if needed. To be eligible, you typically need to:

  • Be a non-permanent resident (tourist, student, or work visa holder).
  • Be aged between 18 and 79 years old (age limits may vary).
  • Subscribe before or within a short time of arrival in Australia.
  • Not be eligible for Medicare/hold a Medicare-ineligible visa.

Some types of coverage may exclude travel outside Australia or temporary returns to your home country, so it is important to check the policy wording for any international travel limitations. Most plans do not cover pre-existing conditions or non-emergency situations, especially in the first waiting period after activation.

Does HCF health insurance cover seniors?

HCF’s health insurance options for seniors are designed specifically for people who are coming to the end of a group insurance plan—commonly after retirement. This offer is suitable for retirees, those aged 60 and above, and anyone who is losing access to their company’s collective health cover. The HCF programme allows eligible individuals to convert their group insurance policy to a personal health cover, often without requiring new medical assessments or waiting periods. To benefit from this transition, it is important to submit your application within 60 days after your group insurance ends, ensuring continuous protection and avoiding a gap in cover.

Below are the main options available through the HCF Health Insurance Pathway:

  • Basic Hospital Cover: Provides access to essential hospital services, allowing you to choose your hospital and doctor, with coverage for treatments in public and private hospitals.
  • Comprehensive Extras Cover: Includes broader reimbursements for everyday healthcare needs, such as dental, optical, physiotherapy, and podiatry, with set limits per service.
  • Extended Medical Cover: Offers higher limits on services like specialist consultations, at-home nursing care, and allied health services, ideal for those with additional or ongoing health requirements.
  • Travel Insurance Add-On: Optional coverage for medical emergencies and hospital care while travelling within Australia or abroad, suitable for retirees who plan to travel.
  • Home Care Support: Helps cover the costs of approved home-based support, including rehabilitation or short-term nursing following hospitalisation.
  • Vision Care Package: Provides contributions towards eye tests, prescription glasses, and contact lenses, separate to other extras cover, aimed at maintaining long-term vision health.
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Informations importantes

Note: Each option can be selected individually or combined depending on your health needs and financial situation. Coverage levels, benefits, and waiting periods (if applicable) can vary—reviewing the Product Disclosure Statement is recommended to make an informed choice.

For further assistance or personalised advice on transitioning from a group to an individual policy through the HCF Health Insurance Pathway, it is advisable to contact an HCF adviser within the 60-day window after your current cover ends.

How does reimbursement work with HCF?

FunctionalityAvailabilityExpert Opinion
Online claims submissionLets members submit invoices and receipts from home, speeding up claims handling and reducing paperwork.
Mobile applicationEnables users to manage their health cover, check claims, and find providers easily on their smartphones.
Member portal for claims trackingProvides real-time updates on claim statuses, so members always know when to expect reimbursement.
Claims reimbursement estimatorAllows users to check their out-of-pocket costs in advance, helping budget and avoid unexpected expenses.
Reimbursement time frame48hMost claims are reimbursed within 48 hours, ensuring fast turnaround and easier personal cash flow management.
Add or remove dependants for freeMembers can update their cover as families change without extra charges, supporting flexibility and savings.
Phone support with health professionalsGives direct, anytime advice from qualified nurses or doctors, helping with health concerns outside clinics.
Second medical opinionMembers access expert medical reviews for complex diagnoses, aiding confidence in important treatment choices.
24/7 travel assistanceOffers round-the-clock help during travel, supporting users in case of accidents, sickness or emergencies.
Online claims submission
Availability
Expert Opinion
Lets members submit invoices and receipts from home, speeding up claims handling and reducing paperwork.
Mobile application
Availability
Expert Opinion
Enables users to manage their health cover, check claims, and find providers easily on their smartphones.
Member portal for claims tracking
Availability
Expert Opinion
Provides real-time updates on claim statuses, so members always know when to expect reimbursement.
Claims reimbursement estimator
Availability
Expert Opinion
Allows users to check their out-of-pocket costs in advance, helping budget and avoid unexpected expenses.
Reimbursement time frame
Availability
48h
Expert Opinion
Most claims are reimbursed within 48 hours, ensuring fast turnaround and easier personal cash flow management.
Add or remove dependants for free
Availability
Expert Opinion
Members can update their cover as families change without extra charges, supporting flexibility and savings.
Phone support with health professionals
Availability
Expert Opinion
Gives direct, anytime advice from qualified nurses or doctors, helping with health concerns outside clinics.
Second medical opinion
Availability
Expert Opinion
Members access expert medical reviews for complex diagnoses, aiding confidence in important treatment choices.
24/7 travel assistance
Availability
Expert Opinion
Offers round-the-clock help during travel, supporting users in case of accidents, sickness or emergencies.

How to contact the health insurance HCF?

Motif de contactContacter HCF
🧾 I want to get a health insurance quoteOnline: Request a quote
Phone: 13 13 34 (Mon–Fri 8am–8pm, Sat 9am–5pm AEST)
Menu: Choose “Get a quote or join HCF”
🧾 I need a proof of insuranceOnline: Access your certificate in your account
Phone: 13 13 34 (Mon–Fri 8am–8pm, Sat 9am–5pm AEST)
Menu: “Member services”, ask for “certificate of insurance”
🩺 I need medical assistancePhone: 13 13 34 (Mon–Fri 8am–8pm, Sat 9am–5pm AEST)
Menu: Choose “Health advice” or ask for “Nurse Helpline”
🔍 I want to report an incident or track a claimOnline: Track or make a claim
App: HCF My Membership app
Phone: 13 13 34 (Mon–Fri 8am–8pm, Sat 9am–5pm AEST)
Menu: Choose “Claims and benefits”
🧾 I want to get a health insurance quote
Contacter HCF
Online: Request a quote
Phone: 13 13 34 (Mon–Fri 8am–8pm, Sat 9am–5pm AEST)
Menu: Choose “Get a quote or join HCF”
🧾 I need a proof of insurance
Contacter HCF
Online: Access your certificate in your account
Phone: 13 13 34 (Mon–Fri 8am–8pm, Sat 9am–5pm AEST)
Menu: “Member services”, ask for “certificate of insurance”
🩺 I need medical assistance
Contacter HCF
Phone: 13 13 34 (Mon–Fri 8am–8pm, Sat 9am–5pm AEST)
Menu: Choose “Health advice” or ask for “Nurse Helpline”
🔍 I want to report an incident or track a claim
Contacter HCF
Online: Track or make a claim
App: HCF My Membership app
Phone: 13 13 34 (Mon–Fri 8am–8pm, Sat 9am–5pm AEST)
Menu: Choose “Claims and benefits”

HCF promo codes

HCF Promo CodesDetails
HelloSafe Promo Code-5% (clickable via the comparator)
HelloSafe Promo Code
Details
-5% (clickable via the comparator)

Note: Promo codes may change. To get the latest promo codes, visit our health insurance comparison page.

FAQ

Who can subscribe to HCF health insurance?

It is recommended to first compare the various health insurance options online before subscribing. You can subscribe to HCF directly through their official website, but using our health insurance comparison can help you find the best plan for your needs.

Are there any age requirements with HCF?

HCF typically requires policyholders to be at least 18 years old to take out a health insurance policy in their name. There are generally no strict maximum age limits, but specific products may have varying eligibility criteria, so it's always best to check the requirements for the plan you are interested in.

Can members be added or removed from a HCF policy?

Yes, HCF allows you to add or remove members, such as spouses or dependents, from your policy. Changes can usually be made during the year by contacting HCF directly, and new family members can often be added after life events like marriage or the birth of a child.

What is covered by HCF health insurance policies?

HCF health insurance generally covers hospital and extras services, including surgery, hospital accommodation, dental, optical, and physiotherapy, depending on your level of cover. The specifics of your coverage will depend on the product selected, so review policy documents for a detailed list of inclusions.

How are waiting periods handled with HCF?

HCF applies waiting periods for some services, such as major dental and pre-existing conditions. Waiting periods can vary—commonly 2 months for general services and 12 months for pre-existing conditions or major procedures. It’s important to check and confirm these details before switching or starting a new policy.

How to make a claim with HCF?

You can make a claim with HCF online via your member portal, through their mobile app, by mail, or in person at an HCF branch. Most extras claims can be processed on the spot with your member card at associated service providers, while hospital claims are usually submitted by the hospital direct to HCF.

Who can subscribe to HCF health insurance?

It is recommended to first compare the various health insurance options online before subscribing. You can subscribe to HCF directly through their official website, but using our health insurance comparison can help you find the best plan for your needs.

Are there any age requirements with HCF?

HCF typically requires policyholders to be at least 18 years old to take out a health insurance policy in their name. There are generally no strict maximum age limits, but specific products may have varying eligibility criteria, so it's always best to check the requirements for the plan you are interested in.

Can members be added or removed from a HCF policy?

Yes, HCF allows you to add or remove members, such as spouses or dependents, from your policy. Changes can usually be made during the year by contacting HCF directly, and new family members can often be added after life events like marriage or the birth of a child.

What is covered by HCF health insurance policies?

HCF health insurance generally covers hospital and extras services, including surgery, hospital accommodation, dental, optical, and physiotherapy, depending on your level of cover. The specifics of your coverage will depend on the product selected, so review policy documents for a detailed list of inclusions.

How are waiting periods handled with HCF?

HCF applies waiting periods for some services, such as major dental and pre-existing conditions. Waiting periods can vary—commonly 2 months for general services and 12 months for pre-existing conditions or major procedures. It’s important to check and confirm these details before switching or starting a new policy.

How to make a claim with HCF?

You can make a claim with HCF online via your member portal, through their mobile app, by mail, or in person at an HCF branch. Most extras claims can be processed on the spot with your member card at associated service providers, while hospital claims are usually submitted by the hospital direct to HCF.

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A. Fruchard
A. Fruchard
Insurance expert
HelloSafe
Co-founder of HelloSafe and an experienced entrepreneur in the insurance and personal finance sector, Antoine uses his experience and in-depth knowledge of the market to help Internet users make the right choices. With an MBA in economics, he is a committed expert whose mission is to make personal finance and insurance issues simple and understandable. With a rich career marked by the creation of innovative companies, Antoine's ambition has always been to bring transparency to complex issues and to give power back to consumers. With HelloSafe, he continues to translate this vision by providing accurate advice, impartial comparisons and detailed explanations of travel insurance. He has analysed hundreds of contracts to reveal the best options available on the market.

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