They’re not-for-profit, so members get more, not shareholders. And, unlike some major funds, they remain fully Australian owned. One more reason you’ll be happier with HCF.
HCF Health Insurance provides the following claiming options for extras benefits:
For hospital claims, the hospital usually sends the bill to HCF for payment. Your account can also be taken to medicare where you just need to complete a two way claim form.
Hospital policies also include a range of excesses that you can choose from. An excess is an amount that you agree to pay towards the cost of hospital treatment, in exchange for lower premiums. HCF excesses are only paid once per person per calendar year, regardless of how many times you go to hospital, and no excess is charged for accidents or kids.