HCF My Membership App
How much does HCF My Membership App cost?
Prices are current as of 11 Sept 2026.
HCF My Membership App has no in-app products on record in the United States.
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HCF My Membership App reviews
4.7 out of 5, based on 59,886 reviews.
What people like
- Claims are super quick and easy
- Great customer service when you need it
- Simple to upload photos of receipts
What they complain about
- Keeps signing you out randomly
- Only the main member can log in
- No digital card for Apple Wallet
Online Claim
Very easy to make an online claim , login to the app , hit make a claim , verify your details, attach a photo of the receipt, press submit. Done!
Disappointed
I recently switched to HCF after being with Bupa since 2013. I had been a loyal Bupa member for over 13 years and, apart from the cost, I had never experienced any issues with them. I personally went into the HCF office in Albury to arrange my new membership and set up a direct debit. Unfortunately, the direct debit was not set up correctly. I then made a manual payment and tried setting it up again through the HCF app, but it still didn’t work. I contacted HCF directly to make sure it was sorted and was told that the direct debit had been set up and everything was good to go. I trusted what I was told. I have now checked my account and discovered that I am showing $275 in arrears, plus another $6 in arrears, despite making repeated attempts to ensure my payments were correctly arranged. This is completely unacceptable. I should not have to keep chasing a health fund to correctly process my payments, particularly when I have specifically contacted them and been told everything was sorted. My experience with the Albury office has also been extremely disappointing. I expected professional and knowledgeable assistance, but instead I was left feeling like nobody actually understood how the direct debit process worked. I have now lodged a formal complaint and am expecting HCF to fix this immediately, remove any arrears or fees that have resulted from their error, and correctly establish my direct debit. I have been with HCF for a very short time and I am already seriously questioning whether I made the right decision leaving Bupa. Unfortunately, based on my experience so far, unless I see a huge change , I cannot recommend HCF.
Review of Apple screen
I have an Apple iPad and only comes up with small screen. Not very good as writing is too small.its like using a phone to write an article. I also cannot get into the HCF thank you app as it does not recognise my email address
Consistent login problems
Every time I want to log in on my laptop I have to reset my password. Its ridiculous
Clunky interface
Gets you to sign in every time with username/password instead of a pin like any normal app, extras calculator takes a long time to load and is annoying to use. Nib app is much better, has bottom menu navigation which is more intuitive
Hospital Inpatient Stay
Very good helping me to get through my treatment in hospital. I have only but the best from HCF. Thank you so much.
Partner access
Terrible process trying to add partners access to online services.
Great but need an update
Great and easy app when claiming. Would be great if the card can be digital aswell and be used electronically with all machines not just the ones that can scan your QR code as barely anyone uses those.
Phone Experience
I was subjected to 5 minutes of legal mumbo jumbo before I got to speak a live person, Susan, who told me that I was unable to use the app to pay for my physio appointment because it was being updated. I asked her to see if in future if you might send members a text message to say to remember to take your physical card to make a payment at your provider as the system is being upgraded. We are very happy with being a member even though the government has decided that we can afford to pay for the extra that we now have to pay to keep our health insurance. Regards Peter Paul Van Ruth.
No separate logins
I need to log in under my wifes name because she is primary account holder even though its a family membership
Claim Submission
Easy and simple to lodge
Worst app in the world
Constantly needs updating. Constantly glitching. Very poor camera interface to app
Reliable easy to use
I have used app for a couple of years and found it easy to use and reliable
Logging in
It is very frustrating that we need to log in to the app while you should be able to do this with a thumb print or face recognition, every time. Pass codes only get send to main member mobile while this could be smoothed out with new technology. Every member is not available at the same time or in the same room at once to get access to the app.
Restricted to one person only is a hassle.
Hcf limit the app use to primary policy holder. This is a hassle every time I want to use it. I do not want to carry another card. Please take out the hassle and allow people on the policy to all use the app!
Pharmacy rebates
I did not realise how easy it was to make a claim via HCF app. Took a photo and submitted it. That easy.
Prefers “Others” More than “Others”
This app is less than helpful, and allows only a select group with certain membership backgrounds to register, while the rest are sent to website login, and then sends you on a recurring/annoying glitch that takes one on a ride of logins/logouts. I had to delete the app to stop that. It beats me why HCF put up an app that selects only certain members to register. The app does not even qualify for one star. Tsk! Tsk!
Great App but Experience could be Better
App is great, ease of use for submission of claims and queries on health cover. But the scanning QR seems to have a glitch. It maybe that it is a new system and merchants are not quite onboard or the App QR function may the problem. I am not sure. Failed on me on three occasions.
Cover
This is the worst site I’ve ever been on!
Not happy new customers are rewarded
Totally unfair new members are given cash rewards but not loyal members. You have ceased the bonuses given for a couple of years only. Pays obviously to change funds
App for HCF
Easy to use
Not joined up
Nothing wrong with the app - but policy of not integrating card with existing apps like Apple Wallet is wrong-headed and just plain inefficient. Can do better!
Couldn’t change payment details in app
Tried several times to change my payment details in the app without success. Managed to make a one time payment within the app, but couldn’t change the recurring payment details. Very frustrating. Ended up calling the 1800 number to make the change. Was told that the changes could also be made online, but that doesn’t address the problem within the app.
Changing cover
Wouldn’t it be nice if changing cover were possible through the app. It is not. Now I need to waste time negotiating with a non-sentient AI.
Your app not working
Whilst it is easy to submit my claim today on the day of my consultation, the app did not work, and I was unable to bring up the digital card. What would be helpful is if you could create a card that I could store in my Apple wallet.
Doesn’t work well for family cover
The app only works for the primary account holder. If my wife wants to use the app the authorisation gets sent to me and expires after 90 days. This is both annoying and a terrible design feature - particularly should someone be in a FV situation or similar.
Too expensive
Too expensive
HCF Claim
Easy to use and very quick to lodge a claims
Doesn’t work
Keeps signing itself out.
Glitchy barcode when scanning
The membership card on the app doesn’t always work at the point of paying/making a claim. Tried everything! Ended up claiming online
Love HCF
Great service. Great app. Wouldn’t be without it!
App
App is terrible
Great help in getting a refund
Got great, quick, helpful assistance today in making a claim. Thank you.
HCF App
This is the most useless app. We have a family plan and my wife is the primary account holder. Every time I try and login to make a claim it sends my wife the sign in code which is inconvenient as I can’t sign into the app by myself! Not user friendly!
App keeps terminating my session
Putting in a simple claim with two receipts, the app forced me to log back in and start again at apparent random points in the claim submission process. After the fourth login I was finally able to submit my claim.
HCF My Membership App FAQ
- Is HCF My Membership App free?
- Yes. The app is free, in all 175 countries it sells in, and it sells nothing inside it.
- Does HCF My Membership App have a free trial?
- No. None of its offers (US) come with a free trial.
- What are the best alternatives to HCF My Membership App?
- nib (4.7 from 59,367 reviews), HotDoc (4.7 from 20,146 reviews) and myPRP (2.7 from 208 reviews).
HCF My Membership App download
Last updated 1 month ago.
HCF My Membership App sells in 175 countries. It was released 13 years and 9 months ago, on 3 Jan 2013. It holds a 4.7 rating from 59,886 reviews.
Supports 1 language: English.
How much does HCF My Membership App make?
Third-party estimates for the last 30 days, worldwide — not the store's own figures, which Apple publishes for nobody.