HCF really needs to work on their communication, both across their own departments and with their OVHC division. I moved from HCF Overseas Visitor Health Cover assuming that they are the same company but later found out that they do not talk to each other and need to go back and forth to make sure I was covered the same level of cover for my claim. The customer service experience got worse after. I was already advised that I am covered for a colonoscopy procedure on March. I had to delay the procedure to June and reconfirm it again with them which their Clinical Team did confirm that I am covered in writing. I was later rang by the hospital and the doctor that I am not covered by HCF and need to provide payment before the procedure. Had to go back to HCF customer service team again and hasn't been resolved yet which will potentially delay my procedure again. This is extremely frustrating, having to worry about the financial side of it on top of my health issues even though I have been with them for one and a half year now. Never had this issue with my previous health fund (Allianz). Very disappointed in their customer service.