Cant put my Extras cover on hold?

[Deactivated] on 01/04/2020 - 19:04
Last edited 01/04/2020 - 19:26

I have extras cover with a major insurer,(HCF ) just rang them to ask if i can put it on hold/ suspension as i cant use it anyway due to the lockdown so the approx $50 a month it’s costing me seems to be a waste 😩

However the operator said it cant be done as theres no suspension of “extras” cover and if he did cancel it ,then it will be affecting my premiums in the future eg you have to wait 12 months to restart using.

Its a hard decision to make, im not at a job loss yet but still $50 a month is $50 i could have😁

Im sure i can put it on hold , maybe i should ring again to get a different operator ?😳
Maybe the operator has been told to talk people out of it?😳

I know you can put your hospital cover on hold so cant see why you cant do it with the extras cover?

Anyone else tried putting their extras cover on hold / suspension?

Im starting to think to just cancel it then, i mean its not really worth it anyway,still have to pay the gap fee at the dentist anyway for fillings etc , the only thing free is the cleans twice a year

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Comments

  • Hybroid on 01/04/2020 - 19:07

    What does your contract PDS/T&Cs say in regards to putting insurance on hold?

    • [Deactivated] on 01/04/2020 - 19:11

      Thanks Hybroid , I didnt think of that, i will look at this👍🏻

  • firestormx on 01/04/2020 - 19:08

    See "Suspending your cover" on this page: https://www.hcf.com.au/faqs/faqs-membership

    It looks like they have a criteria, but maybe they might be a bit more lenient due to the CoVid19 situation.

  • holdenmg on 01/04/2020 - 19:09

    Hi,

    I paid mine yesterday for the year.
    My Extras (Saver Options) with HIF includes Ambulance, so I renewed.

    Anyhoo, have a look at: https://www.hif.com.au/news/covid-19-updates/hif-introduces-…

  • Donaldhump on 01/04/2020 - 19:11
    -1

    You realise your extras cap are for a year, so you are hardly losing anything.

    And dentists , optometrists are still open I assume

    • chumlee on 01/04/2020 - 19:51

      ???

      OP is talking about saving $50 a month by suspending extras cover and the resume it later without penalty.

      Not sure what you talking about

      • Donaldhump on 01/04/2020 - 19:56

        Im just saying may be a waste for the current month, but you don’t lose your allowance over a month so you pile things up as such , instead of seeing a chiro / Massage place in mar, April, May etc just go 3 times in June.

        yes you could put in hold and then restart but the wait periods would kick in,otherwise everyone would just put their extras on hold until they need a filling, or chiro etc, and repeat.

        With the theory of putting on hold I’d only need it 4 days a year.

    • BartholemewH on 01/04/2020 - 19:56
      -1

      You assume wrong.

      • Donaldhump on 01/04/2020 - 19:58

        my Dentist still open, and optometrist so where is the wrong assumption

        • Tony-Abbott on 01/04/2020 - 20:43
          +2

          Victoria nearly all dentists are closed.

          • Donaldhump on 01/04/2020 - 21:42

            @Tony-Abbott: Surprising, You could still surely goto public hospital dentists, can’t deny some in severe agony treatment

        • GangGang on 01/04/2020 - 21:47
          +1

          They're open for only urgent appointments. Not for new patients or a standard check up & clean.

  • meowsers on 01/04/2020 - 22:15

    Don't forget taxes which will be due in July if you're above the income threshold

    • Yttrium on 01/04/2020 - 22:50
      +1

      The Medicare Levy Surcharge MLS is unrelated to extras , only hospital insurance is required.

      • meowsers on 02/04/2020 - 10:52
        +1

        Sorry my brain blanked, didn't see extras!

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