FiftyUp Club - HCF FAQS
Here are the answers to some of your most Frequently Asked Questions.
Q: Why did FiftyUp Club choose this offer?
A: HCF is Australia’s largest not-for-profit health fund and recently received the CANSTAR award for Outstanding Value in health insurance nationally.^ The cashback* offer will help those who move their hospital and extras cover to HCF with up to $100* reward every year for the next 5 years as a loyalty reward for families. Click here to see offer now.
Q: How is the coverage different from HCF’s standard offers?
A: It’s not. The offer incorporates the existing range of HCF health cover offers. All the same benefits and costs apply. The only difference is that if you switch to HCF hospital and extras cover with the FiftyUp Club, you can receive up to $500 cash back over the next 5 years*.
Q: Will I have to re-serve my waiting periods?
A: No, not if you move to comparable cover. HCF will recognise waiting periods you've already served with your current fund. Some longer waiting periods and conditions apply. Find out more by calling an HCF expert on 1800 345 044 or See Offer Now.
Q: Do I have to contact my current provider in order to ‘switch’?
A: No! Health Insurance is one of the most portable forms of insurance. You can switch any time and HCF will manage the transfer from your current provider.
Q: Will I get the same level of cover I’m currently receiving?
A: That’s up to you. We recommend speaking to one of the experts at HCF. They have a great knowledge of products already in the market and can give you an obligation free quote if you call them on 1800 345 044.
Q: How do I get a quote? I’m not sure I want to switch, I just want to know my options.
A: Call the dedicated HCF-FiftyUp Club phone line. Their number is 1800 345 044. They talk to FiftyUps like you all day and there’s no obligation to switch. If you prefer to get a quote online, do so at fiftyupclub.com.au
^ About CANSTAR
CANSTAR provides Australia's interactive online research service in consumer and business finance. Founded in 1992, CANSTAR Pty Limited is Australia's researcher of retail finance information for over 250 institutions such as Banks, Building Societies, Credit Unions, Finance Companies, Brokers, Mortgage Originators, Life Companies and finance related Internet Portals. CANSTAR customers use the extensive database for competitor analysis as well as a means of disseminating their product range. CANSTAR also distributes this information to print and electronic media for publication and to Agents, Accountants, Brokers and Internet Portals for use in advising their clients.
What are the CANSTAR star ratings?
CANSTAR researches, compares and rates the suite of banking and insurance products. Results are freely available to consumers who use the star ratings as a guide to product excellence. The use of similar star ratings logos also builds consumer recognition of quality products across all categories.
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* Offer is for switchers from other health insurance providers only and excludes existing HCF customers. Ends midnight Friday 9 December 2016. If you take the special offer, FiftyUp Club will send you the designated instalment of cashback after 13 months, 25 months, 37 months, 49 months and 61 months. Maximum $500 cashback ($100 per year) for families and single parent families and $250 cashback ($50 per year) for singles cover. To be eligible to receive each instalment of cashback you must be a current member of HCF with hospital and extras cover at the point of expected instalment. If you take up the offer and you are not already a member of FiftyUp Club, you will become a member upon taking up the offer. HCF will recognise waiting periods you've already served with your current fund. Some longer waiting periods and conditions apply. Any benefit limits used with your current fund will apply to your new HCF policy. Offer cannot be used in conjunction with any other corporate offer or discount.
FiftyUp Club receives a commission for each member who takes up an offer with HCF and remains a member of HCF. FiftyUp Club returns up to $500 of this commission to members in the form of the switcher's bonus/cashback, and shares the remainder with its media partners, who provide the people power to make our campaigns successful.
FiftyUp Club Pty Ltd ACN 166 905 175 (FiftyUp Club) is a Corporate Authorised Representative (AR Number 465649) of One Big Switch Pty Ltd ACN 150 963 474 (AFSL number 455982). Any advice provided is general advice only and does not take into consideration your objectives, financial situation or needs. Before acting on any advice you should consider its appropriateness to your situation. Where we arrange a life or general insurance offer, we will provide a Product Disclosure Statement (PDS) and other important regulatory information from the product issuer. The PDS contains important information about the product features, benefits, risks and costs associated with that product. You should obtain and consider this information before deciding whether to switch or purchase any life or general insurance products. You can access a copy of the FiftyUp Club Financial Services Guide (FSG) here and other regulatory information from our website www.FiftyUpClub.com
The FiftyUp Club is a consumer network for Australians aged fifty and over, promoted by Macquarie Media Ltd (which includes Macquarie Radio Network, and Fairfax Radio Network in New South Wales, Victoria, Queensland, and Western Australia), and by Nova Entertainment in South Australia. The FiftyUp Club may earn a commission, paid by the provider, for a member who takes up a special FiftyUp Club offer. The FiftyUp Club may share these commissions with our media partners, which include Macquarie Media Ltd, Nova Entertainment and Nine Network Australia. Part of our commissions will be used to fund future FiftyUp Club Campaigns. The FiftyUp Club does not receive a commission for any policy or consumer advocacy campaigns we may run from time to time. Our FSG details how we get paid for life and general insurance offers.
