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.
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
Winner for Best Health Insurance - Silver Hospital 2023
Winner for Best Health Insurance - Bronze Hospital 2023
Finalist for Best Health Fund of the Year 2023
"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."
No. HCF and Bupa are different health insurance brands and are not part of the same network.
HCF is owned by the Hospitals Contribution Fund of Australia.
The benefits you receive from HCF depend on which policy you take out and any waiting periods you may have served. Always read your PDS carefully to understand benefits and exclusions.
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 249 Finder guides across topics including:
Personal finance
Personal insurance, including car, health, home, life, pet and travel insurance
Private health insurance provides coverage beyond Medicare. It can make in-hospital healthcare more convenient and everyday healthcare costs more affordable. Learn more.
Get affordable cover for ambulance transport if you are not already covered under Medicare. Compare quotes from Australian funds to decide which level of protection is best for you.
There are a number of reasons why taking out private health cover now rather than later can be a smart thing for singles to do.
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