Switched to HCF as you could select what hospital excess. My level of cover was the same when transferring but my previous hospital covers excess was $500 and the policy I selected with HCF was $250. My monthly payments were higher because of this which was fine but when I had to go to hospital a few months after transferring, they said I would need to pay the previous $500 hospital excess despite my policy and despite paying a higher monthly premium for a $250 excess. They never explained this to me and when I queried it they blamed me for not asking the question. I was told that there are no waiting periods for the same level of cover. So I basically switched only to pay a higher monthly fee for the same hospital excess of $500 for a 12 month period. How is that fair? Not happy with the service and I will be switching back to my previous HF. Do not recommend this health fund.