HCF Health Insurance
Collect up to 130,000 points
Score a huge 15x points on your next Coles shop with HCF!
Get 15x points at Coles for 2 months when you join HCF by 31 Dec 2024. Plus boost your points; pocket up to 130,000 points when you join and stay for at least 10 months.
Also 6 weeks free and 2-month waiting period waived on extras.
Does anyone know if you can get the
maximum amount of points by upgrading right at the end works for this?
Nothing for existing HCF customers?
Ask, theyre usually pretty good.
Also, you may be on a grandfathered or corporate plan whose rates dont jump as quickly as standard public rates.
It never pays to stay. Churning is the only way to make significant savings.
My experience has been the opposite. See below.
You are mistaken.
I always call them and they match the deals. I never ask for points just the 6 weeks in savings. Takes a month or two for the deal to kick in but it always works. I've been with them for 25 years though so YMMV.
There is 100% no way you have saved more by not churning. Insurers will, on occasion, match a new join offer - but they won't do it on a continuous basis.
Even if HCF matched some of the competing offers you put to HCF, the time you have wasted in getting the deals applied makes it not worth it.
I'm sorry to hear that you have been conned for 25 years.
I haven't been conned at all. We are 10's of thousands ahead due to a family members special requirements. Easier to stick to the one provider then there is never any doubt when cover is needed. I only get hcf to match their own new customer offers not other providers. Thanks for your pity though.
@MS Paint: I am sorry to hear about your family member.
I stand by my statement that you could have save more by churning.
Any new insurer is required to honour all waiting periods already served. There is no doubt about this — it's the law.
My opinion is that HCF offers (like those of NIB) are never compelling enough to churn to.
@YesPleaseThankYou: When we need the services the peace of mind of knowing, without a doubt, that the hospital and services are approved by hcf is worth more than enough flybuy points to buy a new toaster.
If I was just using a junk policy for tax minimisation then I would be all over the churning train.
If anyone is interested, for 6 weeks free offer you have to stay with them 90days and to get flybuys points you have to stay with them 10months
Yes, no deal 🤚🛑
I don't like this 'bargain'. It has a very complicated set of terms.
Further, the requirement to stay for 10 months for the points makes the offer uneconomical. Much more will be saved by churning to other providers for the 'pay 1 month, get 6 weeks free' offers.
What is the best private health insurance cover just for the purpose of avoiding medicare levy surcharge?
The cheapest one, just hospital cover. Try AHM. I found them to be quite affordable. Anyone who downvotes this comment is ignorant
Gimme some FaceBook points
@YesPleaseThankYou @easternculture you both are really good in this health insurance churning…. I am ready to churn from Frank which offer do you think is good now? Prefer 6 weeks free with 1 month stay
Why not 6 weeks free straight up? That's a 100% discount. See https://www.queenslandcountry.health/campaigns/2024/8weeks/
Was about to recommend that but they have a 18 month churn period and limits renew on anniversary date so best left kept for a churn between funds with calender and financial year limit renewals
That's a very good offer but I don't qualify for it as still in 18months period of last I had HBF so will not be eligible for this
See all the providers here https://privatehealth.gov.au/dynamic/insurer and check their websites and/or Google 'health fund promo'.
Thanks, I'll include that in description.