Comparison

HCF My Membership App vs Flared

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

HCF My Membership App

Manage your health insurance effortlessly with this app. Submit claims quickly, track payments, and review your cover. Access your digital membership card and connect with support easily.

Highlights
  • Claim on the go
  • Manage payments
  • Review health cover
  • Digital membership card
  • Message support
  • Access health programs
Read full description

HCF’s My Membership app is your trusted health partner in your pocket. It’s designed to take the hassle out of health cover and put you back in charge with a simpler, easier experience. Download it now for: • Claiming on the go – Make a claim in minutes with our quick and easy claims experience. • Payments made easy – Stay in control with payments in advance and handy reminders. • Getting your cover sorted – Manage your health and life cover on the go, anytime, anywhere. • Using your digital card – Scan your secure digital membership card or QR code to claim on the spot at selected providers. • No-fuss cover reviews – Check your cover’s still a match for your health and life needs. • Messaging us anytime – Message us with your questions and we’ll get back to you quick smart during business hours. • Health cover companion – Easy access to health programs, offers, discounts and more. The app will work best if you download an up-to-date version of software on your phone. The app is for Australian HCF private health insurance policies only. Download it now and enjoy an app that’s genuinely made for members.

About

Flared

Features
Read full description

Flared helps you record symptoms, notice patterns and explain what you're experiencing. Designed around women's health, it brings difficult days, flares and support needs into one place, whether you have a diagnosis or are still seeking answers. Personalise your experience around endometriosis, adenomyosis, PCOS, PMDD, fibroids, chronic pelvic pain, perimenopause or postpartum wellbeing. Capture as much or as little as you can, then return later when you have more capacity. You do not need a diagnosis to begin. CHECK IN WITHOUT THE PRESSURE • Record how today feels, including pain, fatigue, mood, sleep, bleeding and other symptoms • Add notes, possible triggers, cycle context and the impact on your day when useful • Mark a difficult day as a flare and keep everything together in your Timeline ASK FOR SUPPORT WHEN WORDS ARE HARD • Send a structured Flare to a chosen support person • Share what is happening, what you need and what may help • Create a personal support plan and keep your preferences in one place • You choose what to share and when NOTICE PATTERNS, GENTLY • Reflect on check-ins and changes over time • See supportive observations based on what you record • Prepare a clear summary for a healthcare conversation • Observed patterns describe your entries; they do not establish causes or provide a diagnosis START WITH THE FREE FEATURES A free account includes symptom check-ins, Timeline history, basic insights, a basic appointment summary and one support person. An account and internet connection are required. Flared accounts are for people aged 16 and over. OPTIONAL PREMIUM Monthly and yearly auto-renewable subscriptions are available through Apple In-App Purchase. Premium adds advanced insights, appointment PDFs, customised report dates and expanded support sharing. Prices are shown before purchase. Payment is charged to your Apple Account. Subscriptions renew automatically unless cancelled before renewal in your App Store subscription settings. YOUR INFORMATION, YOUR CHOICES Health information is private by default. You decide what to enter and what to share. Read how Flared handles your information at https://flared.cloud/privacy. Flared is a tracking, reflection and communication tool. It does not provide medical advice, diagnosis, treatment or emergency care. Always consult a qualified healthcare professional before making medical decisions. For urgent medical help, contact your local emergency services. Support: https://app.flared.cloud/contact Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

HCF My Membership App4 screens
Flared4 screens

Verdict

The call

The clearest difference is in-app purchases: HCF My Membership App at none against Flared's 2. Flared's advantage is update cadence (every 5 days vs every 4 weeks). On price, ads, device support and iOS requirement there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Flared sells 2 in-app purchases, starting at $9.99 per month. HCF My Membership App asks for nothing beyond the download.

UpkeepUpdate frequency

HCF My Membership App ships an update every 4 weeks, Flared every 5 days. The most recent releases landed on October 29, 2026 and October 24, 2026 respectively.

Scorecard2 real differences · 8 level
HCF My Membership App versus Flared: the parameters behind the verdict, then further details
ParameterHCF My Membership AppFlared
PriceFreeFree
Rating4.7 (82 ratings) — better—
Positive reviews32.3% of reviews—
Number of ratings82 — better—
Update frequencyEvery 4 weeksEvery 5 days — better
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree—
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.615.0 — better
Further details — not scored
Size83 MB19 MB
Age rating4+17+
DeveloperHCFAlistair Brough

Bugs and requests

HCF My Membership App

Reported bugs

4 issues
  • 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

Requested features

5 requests
  • 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

Flared

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

HCF My Membership App

No in-app purchases

2 purchases

Flared

Subscriptions2
  • Flared Premium Monthly$9.991 Month
  • Flared Premium Yearly$59.991 Year

Questions

Is HCF My Membership App free?
HCF My Membership App is free to download, with no in-app purchases.
Is Flared free?
Flared is free to download, with in-app purchases available.
Do HCF My Membership App or Flared have ads?
Neither HCF My Membership App nor Flared shows ads.
Which is updated more often, HCF My Membership App or Flared?
HCF My Membership App ships an update every 4 weeks, and Flared every 5 days. Most recently, HCF My Membership App was updated on October 29, 2026 and Flared on October 24, 2026.

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