Still waiting on a

HCF

refund?

HCF offers one of the more consumer-friendly refund policies in the Australian health insurance space. Whether you’ve just joined or you’re cancelling after years, here's when you can expect your money back:

• 30-Day Cooling-Off Period: Cancel within 30 days of joining or upgrading - and if you haven’t made a claim - you’ll get a 100% refund of your premiums. It’s HCF’s “free trial” guarantee.
  
  
• Pro-Rata Refund After 30 Days: If you cancel after the first 30 days, HCF will refund any unused portion of your premium.
  
  
• No Claims = More Refund: If you haven’t claimed during a covered period, you’ll get that time refunded.
  
  
• Key Requirements: You must notify HCF of the cancellation. Just stopping payment doesn’t count.
  
  

⚠️ Claims made within the first 30 days will void the full refund eligibility - but you'll still get refunded for any unused future coverage.

Here’s how to cancel your HCF policy and request a refund, step by step:

1. Send Written Cancellation – Email HCF at service@myhcf.com.au with your policy number, full name, and the date you want it cancelled.
   
   
2. Or Call HCF – Phone 13 13 34 to start the process. A written confirmation may still be needed.
   
   
3. Confirm Your Refund – Ask how much will be refunded and when to expect it.
   
   
4. Provide Payment Details – If needed, HCF will ask for updated banking info or credit card.
   
   
5. Get Confirmation – HCF will send you a cancellation confirmation and calculate your refund.
   
   
6. Receive Refund – Funds are typically paid out via your original payment method within 1–2 weeks.
   

💡 Tip: Always ask for written confirmation and keep your cancellation date aligned with your billing cycle for max refund.

Most HCF refunds are processed quickly:

• 5–10 business days is the norm once your cancellation is finalised.
  
  
• Faster for card refunds; slightly longer for bank deposits or cheques.
  
  
• Expect delays around public holidays or end-of-month peak periods.
  
  

📌 Haven’t received it after 10 business days? Call HCF to follow up — sometimes internal processing errors can cause minor delays.

HCF refunds are typically returned via the same method you paid:

• 💳 Credit/Debit Card Reversal – Fast, automatic refund to your card.
  
  
• 🏦 Bank Transfer (EFT) – Common for direct debits. Just ensure your details are current.
  
  
• 📬 Cheque (if needed) – Slower, but available if electronic payment fails.
  
  
• ➕ Account Credit – If you’re staying with HCF but downgrading cover, the refund may be left as credit on your account.
  
  

HCF doesn’t charge refund processing fees.

These are the top hiccups customers run into (and how to avoid them):

• ❌ Claiming During Cooling-Off Period – If you claim, you won’t get a full refund.
  
  
• ❌ Not Cancelling in Writing – Phone calls alone might not trigger a refund.
  
  
• ⏳ Delayed Processing – Occasionally, human error means your request wasn’t logged.
  
  
• 💥 Overdraft from Auto-Debit – Unexpected renewals can hit your account. Cancel early if you’re switching.
  
  
• 🌏 OVHC Refunds – Overseas visitor policies may require extra paperwork.
  

✅ Avoid all of the above by cancelling in writing, following up if needed, and requesting confirmation.