# HCF My Membership App — user reviews > 235 indexed App Store user reviews of HCF My Membership App by HCF, rated 4.60/5 from 79 ratings. - Source: https://appshunter.io/ios/app/hcf-my-membership-app/id589202661/reviews - App overview in markdown: https://appshunter.io/ios/app/hcf-my-membership-app/id589202661.md - Rating breakdown: 5★ 69 · 4★ 1 · 3★ 3 · 2★ 1 · 1★ 5 ## What do users think of HCF My Membership App? Overall sentiment: neutral **Pros** - 🚀 Simple and easy to use - 👍 Convenient for making claims - 🚀 Quick and efficient claims process - 👍 Helpful customer service - 🚀 Intuitive app design **Cons** - 🐛 Frequent app crashes and bugs - 🔒 Limited access for secondary account holders - 🔒 Inconvenient login process - 🔋 Slow app performance and loading times - 🐛 Unreliable digital membership card **Commonly reported bugs** - App frequently logs users out - Verification codes not received in a timely manner - Blank screens and loading issues when submitting claims - Inability to access account information for secondary users **Most requested features** - Add digital membership card to digital wallets - Allow separate logins for all account holders - Improve app stability and reduce crashes - Provide more detailed policy and coverage information - Enhance claims history and tracking functionality ## Newest reviews (16 of 235) ### 3/5 — Clunky interface *2026-07-28, version 7.6.5* 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 ### 2/5 — Consistent login problems *2026-07-13, version 7.6.5* Every time I want to log in on my laptop I have to reset my password. Its ridiculous ### 4/5 — Great but need an update *2026-07-13, version 7.6.5* 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. ### 2/5 — Phone Experience *2026-07-11* 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. ### 3/5 — No separate logins *2026-07-07, version 7.6.5* I need to log in under my wifes name because she is primary account holder even though its a family membership ### 2/5 — Logging in *2026-06-19, version 7.6.5* 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. ### 1/5 — Rip off *2026-06-17, version 7.6.5* Quote u charge u then up it over $200. A month ### 1/5 — Worst App Ever *2026-06-03, version 7.6.5* This app is the worst app I’ve ever used. Members of the policy can’t use it separately. Can’t get a digital card - wish we’d never swapped to HCF. Should have stayed with HBF ### 1/5 — Does not function *2026-06-03, version 7.6.5* This app does not function at all. May as well not even have an app. Not buttons work, nothing appears. Waste of time ### 2/5 — Cover *2026-06-01, version 7.6.5* This is the worst site I’ve ever been on! ### 1/5 — Claim discrepancies *2026-05-27, version 7.6.4* HCF is inconsistent in the refunds given to extras claims. ### 3/5 — Restricted to one person only is a hassle. *2026-05-27, version 7.6.4* 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! ### 1/5 — Value for money *2026-05-21, version 7.6.4* High fees rebates for things not required. When try to make claim it is difficult and confusing even if go in person. Not helpful for older members. Can only lodge a complaint on line can't speak to a person anymore very impersonal appearance of profit focus. ### 3/5 — Not happy new customers are rewarded *2026-05-15, version 7.6.4* 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 ### 1/5 — You can only upload four files…another HCF 🤦👎 *2026-05-15, version 7.6.4* You can only upload four files…another HCF 🤦👎 ### 1/5 — Claims *2026-05-12, version 7.6.3* Photos for claims are never excepted, I always have to resubmit them ## Most critical reviews (10 lowest-rated) ### 1/5 — Disappointed *2026-09-02* 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. ### 1/5 — Worst app in the world *2026-07-28, version 7.6.5* Constantly needs updating. Constantly glitching. Very poor camera interface to app ### 1/5 — Prefers “Others” More than “Others” *2026-07-24, version 7.6.5* 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! ### 1/5 — Not joined up *2026-07-16, version 7.6.5* 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! ### 1/5 — Doesn’t work well for family cover *2026-07-13, version 7.6.5* 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. ### 1/5 — Doesn’t work *2026-07-07, version 7.6.5* Keeps signing itself out. ### 1/5 — App *2026-06-28, version 7.6.5* App is terrible ### 1/5 — HCF App *2026-06-28, version 7.6.5* 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! ### 1/5 — App keeps terminating my session *2026-06-26, version 7.6.5* 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. ### 1/5 — Lots of problems in HCF App *2026-06-23, version 7.6.5* Dear Sir, I can not believe how many problems are there in HCF App. Has anyone ever carried out a proper usability test? On the App on my Android phone, it would not let me attach files from OneDrive while trying to lodge a claim. On iPad, while i was making a claim, I was timed out. After logging in again, when I tried to attach files, it brought a completely blank page. I had to kill the session and start all over again. I was timed out even while writing this review. Is it a complete ignorance or sign of incompetence. Why would you timeout a session when someone is active on the session. ## Most praised reviews (10 highest-rated) ### 5/5 — Your app not working *2026-07-22, version 7.6.5* 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. ### 5/5 — HCF Claim *2026-07-04, version 7.6.5* Easy to use and very quick to lodge a claims ### 5/5 — Love HCF *2026-06-17, version 7.6.5* Great service. Great app. Wouldn’t be without it! ### 5/5 — Great help in getting a refund *2026-06-15, version 7.6.5* Got great, quick, helpful assistance today in making a claim. Thank you. ### 5/5 — Claims are less stressful with HCF *2026-03-16, version 7.6.2* Even in my 80s, I find it possible to put the claims in through the app with HCF. I am grateful for that. ### 5/5 — Awesome App *2026-03-12, version 7.6.2* Easily the best Health Fund App I’ve used. Thanks HCF! ### 5/5 — Simple *2026-02-26, version 7.6.2* Even I can use this app ### 5/5 — Making a claim *2026-02-05, version 7.6.1* I made an online claim for the first time today. The operator I spoke to was unable to advise me if I was covered for the item or not. However she was very helpful talking me through submitting the claim on line to ascertain if I was covered or not. She was very patient in talking me through submitting the claim. Thank you. ### 5/5 — Claim *2026-01-11, version 7.5.8* Very easy to do! ### 5/5 — Cheapest & Best *2026-01-06, version 7.5.8* I was being ripped off compared to the fantastic service and fair pricing from HCF. Julie, Hannah & Jude are all superstars. 5 stars --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-15.*