How do I change my HCF cover?

How do I change my HCF cover?

Switching to HCF is easy. Choose the cover that works for you, then complete your application and Interfund Transfer. You can also switch at any HCF branch or by calling 13 13 34.

Does HCF cover Covid?

YOU’RE COVERED WITH HCF For a small number of policies that wouldn’t normally cover all COVID-19 related hospital claims, we’ve extended your policy to make sure you’re covered. This cover extension is at no extra cost.

What is the difference between hospital cover and general treatment cover?

Private hospital policies give you a choice of doctor and cover to be a private patient in a public or private hospital. General treatment policies cover treatments outside of hospital such as dental, optical, physiotherapy or pharmacy.

How long do HCF claims take?

We aim to process your medical and extras claims within 2 business days. If your claim is payable, we’ll deposit the benefit into your chosen bank account.

Which is the best health fund in Australia?

Top 10 private health insurance companies in Australia by market share

  • Medibank: 26.9% market share.
  • Bupa: 25.4% market share.
  • HCF: 11.7% market share.
  • nib: 9.2% market share.
  • HBF: 7.3% market share.
  • Australian Unity: 2.6% market share.
  • Teachers Health: 2.5% market share.
  • GMHBA: 2.1% market share.

What does hospital cover include?

Hospital cover is a type of private health insurance policy that covers a patient to be treated as a private patient in either a public hospital or a private hospital. Hospital cover includes cover for many elective surgeries as well as emergency or medically necessary surgeries.

Does Medicare cover surgery in private hospital?

Medicare does not cover all hospital-related costs you may incur. private patient hospital costs such as surgery theatre fees for private patients or accommodation for a private room. surgeries or treatments that are not medically necessary to maintain your health, such as elective cosmetic surgery.

Does HCF cover prescriptions?

What’s the Pharmaceutical Benefits Scheme (PBS)? If you’re on eligible extras cover you may be able to claim up to $50 per script towards HCF-approved pharmacy items that your doctor prescribes, after an HCF co-payment equivalent to the current PBS co-payment for general patients is paid.

How do you claim medication on HCF?

You can upload your extras or ambulance claim with our My Membership app or in online member services. Drop in at your nearest branch with your membership card and your original receipts and we’ll take care of the rest. Send your completed claim form and original receipts to HCF, GPO Box 4242, Sydney NSW 2001.

What can I claim on HCF?

Claiming on your extras cover Most extras services can be claimed on the spot at your appointment with a system like HICAPS, but you’ll need to take along your membership card. Otherwise, you can claim for your extras with the HCF My Membership app, online in member services, in a branch or by post.

Is private hospital cover worth it in Australia?

Many people are financially better off by taking out health insurance. With hospital cover, you can dodge the Medicare Levy Surcharge if you earn over $90,000. For some people, basic hospital cover could be cheaper than paying the surcharge.

What surgeries are not covered by insurance?

Below is a list of services usually not covered.

  • Adult Dental Services.
  • Vision Services35-medical-assistance-programs-that-will-help-you-pay-your-medical-bills.
  • Hearing Aids.
  • Uncovered Prescription Drugs.
  • Acupuncture and Other Alternative Therapies.
  • Weight Loss Programs and Weight Loss Surgery.
  • Cosmetic Surgery.

How can I reduce my out of pocket medical expenses?

Here are some tips on how to choose a provider and a price before getting socked with unexpected or larger-than-expected bills.

  1. Use In-Network Care Providers.
  2. Research Service Costs Online.
  3. Ask for the Cost.
  4. Ask About Options.
  5. Ask for a Discount.
  6. Seek Out a Local Advocate.
  7. Pay in Cash.
  8. Use Generic Prescriptions.

Does Medicare cover 100 percent of hospital bills?

Medicare Part A is hospital insurance. You will also have to pay a deductible before Medicare benefits begin. Medicare will then pay 100% of your costs for up to 60 days in a hospital or up to 20 days in a skilled nursing facility. After that, you pay a flat amount up to the maximum number of covered days.

How long does a HCF claim take?

What does HCF top hospital cover?


  • Emergency ambulance.
  • Rehabilitation.
  • Hospital psychiatric services.
  • Palliative care.
  • Brain and nervous system e.g. stroke, brain or spinal cord tumours.
  • Eye (not cataracts) e.g. retinal detachment, tear duct conditions, eye.
  • Ear, nose and throat e.g. damaged ear drum, sinus surgery, removal of.

Does hospital cover include surgery?

Does HCF cover funeral costs?

Your initial consultation with a legal or tax advisor will be covered under HCF Assist. You’ll be responsible for the fees associated with additional tax and legal consultations, home service providers and funeral arrangements.

What benefits do you get with HCF?

At HCF, we’re all about giving back to our members – that includes thanking you for your loyalty. Select HCF Vital Extras or HCF Top Extras and you can claim more back on a range of services the longer you’re with us (up to a maximum limit). Loyalty benefits apply to dental, physio, chiro, hearing aids and more.

Is hospital stay covered by insurance?

Most health insurance will cover a hospital stay to a certain extent, but even the best health insurance coverage will have limits. You may still find yourself responsible for costs your insurance doesn’t cover, particularly in the event of a long hospital stay or one requiring specialized treatment.

What does a hospital plan cover?

A hospital plan covers you for any medical procedures that are performed in a private hospital, such as if you’re in an accident and need an emergency operation. Any medication or doctor visits out of hospital would be for your own account.

What do you need to know about HCF Health Insurance?

Hospital and extras package designed for young singles and couples getting health cover for the first time. Affordable hospital cover combined with flexible extras. Designed for growing families who want pregnancy cover and extras like dental, optical and a range of therapies.

How much excess cover can I get with HCF?

On all single plans, rental car excess cover is automatically included but limited to $3000. HCF gives you the option to increase this limit if you feel the need. Increase of standard excess. To make your policy cheaper, you could consider increasing your standard excess from $200 to $500. What’s not covered?

Why did HCF Health Insurance hit rock bottom?

Write a review on ! HCF was an excellent health fund until COVID hit. Since then they have hit rock bottom. For eg our premiums were to drop due to age increase. They kept taking out the higher amount for nearly 3 months blaming it on a new computer system.

What is my cover with HCF corporate gold?

My cover is HCF Corporate Gold $500 Excess With HCF L… ifestyle Extras. According to their website (, [a member] may be eligible to claim for yourself and a carer for costs like travel and accommodation for return trips of more than 200kms.