WE PUT OUR MONEY WHERE OUR MEMBERS ARE
- An average of nearly 90c back on every dollar spent on premiums*
- 100% back^ on dental and other popular extras through our No-Gap network
- Winner of Canstar's Outstanding Value Health Insurance 8 years running++
INTRODUCING FLEX MY EXTRAS
Health insurance doesn't have to be complicated. That’s where Flex My Extras comes in. It’s basic extras cover with a single limit plus an additional optical limit~ that helps you get more back on the extras you’ll actually use.
Join Flex My Extras and spend your limit your way.
NEARLY 90c IN EVERY PREMIUM DOLLAR PAID BACK TO MEMBERS
For every dollar our members paid in premiums, we’ve paid out more benefits than the industry average over the last 10 years*.
Learn more
100% BACK ON SELECTED EXTRAS
100% back^ on your first physio, chiro or osteo visit with our No-Gap provider network.
UNIQUE HEALTH PROGRAMS AND SERVICES
Enjoy greater wellbeing with customised telehealth programs and support services such as a range of mental health, weight management with our Healthy Weight For Life programs, sleep and family support.
Explore programs
TAX TIME SAVINGS WITH HOSPITAL COVER
Taking out hospital cover could help you save on tax if you’re single and earn more than $93,000 or if your family earns more than $186,000 combined.
Learn more
Life Insurance to help in the hardest of times
Receive a lump sum that can help financially support your loved ones if you pass away or are diagnosed with a terminal illness^^.
Learn more
EMPOWERING WOMEN TO TAKE CHARGE OF THEIR HEALTH
Managing good health and making informed decisions starts with the right information.
Our Women's Health Hub gives you practical information and real-life stories to take charge of your health and wellbeing, covering topics like endometriosis, fertility, mental health, fitness, sexuality, pregnancy and menopause.
MOST CANSTAR AWARDED HEALTH FUND
Proud winner of 11 Canstar Health Insurance Awards in 2023, including Outstanding Value Health Insurance 8 years in a row++.
AWARD-WINNING CUSTOMER SERVICE
We’re proud to have been recognised by the Customer Service Institute of Australia for the Uncommon Care we show our members. At the 2022 Australian Service Excellence Awards, we won the Best of the Best award and Customer Service Organisation of the Year (large business) award+.
HCF
GOOD CHOICE
With HCF Good Choice, you get 30 days from sign up to change your mind # as well as discounts on everything from groceries to movies**, life insurance to pet insurance.
FAMILY HEALTH COVER
Trust us to support the changing healthcare needs of your family with:
- no change to the cost of your cover if you add kids to your policy##
- no excess payment if your child goes to hospital***
- access to our antenatal and postnatal group physio^^^
- online childbirth education courses for eligible members+++.
CELEBRATING 90 YEARS OF UNCOMMON CARE
For 90 years, Aussies have been trusting HCF with their health and wellbeing, and we’ve invested in their lives, providing quality cover and healthcare that’s right for them.
Learn about our rich 90 year history and our commitment to putting the health of our members first.
Easily Switch to HCF
STEP 1
Choose the cover that works for you
STEP 2
Complete your quote and application
Switch now
STEP 3
We’ll do the rest, including contacting your current provider
NO WAITING PERIODS FOR THE SAME BENEFITS
If you’ve switched from another health fund, you may not need to serve waiting periods, if:
- your HCF cover includes the same level of benefits and services as your previous cover; and
- you’ve served the equivalent waiting periods with your previous fund (except for hearing aids).
To avoid serving waiting periods again when switching between funds, you’ll need to have switched from another Australian registered health insurer or an international health insurer belonging to the International Federation of Health Plans, and to have joined within 1 month of ending your previous membership. These rules also apply if you’ve switched from another HCF product.
Unfortunately, when you switch funds, you can’t transfer over any loyalty rewards, including increased limits. If you joined HCF during a special offer, some waiting periods might be waived. Get in touch with us to check which waiting periods may apply. To see what waiting periods apply for different services log in to online member services to find your Product Summary under ‘Cover details’.
Contact Us
- Best of the Best and Customer Service Organisation of the Year (large business) awards.###
- Because we're not for profit, our health insurance experts are here to advise based on the cover you actually need.
- We answer 3,000 calls a day helping people with their health cover questions.###
Important Information
* 89.2% compared to 85.6% across the industry. Calculated based on the average of the past 10 years, sourced from APRA Statistics: Private Health Insurance Operations Reports 2014-23.
^ 100% back through More for You providers in our No-Gap network is available on selected covers. Waiting periods and annual limits apply. Providers are subject to change. We recommend that you confirm the provider prior to your appointment. See hcf.com.au/100back.
~ Waiting periods apply. Flexible $650 single limit plus $175 optical limit per person per year.
++ Based on number of Canstar National and State based Health Insurance Awards from 2008 to 2023. Outstanding Value Health Insurance 8 years in a row (2016-23). Winner of the 2023 Extras Insurance Award in NSW, Vic, Qld and Tas, and the Hospital and Extras Insurance Award in Vic, Qld, WA, SA, NT and Tas.
# Available if you change your mind and cancel your HCF policy within 30 days of joining, and haven't made a claim in that period
** Discount applies to e-gift card for groceries and movies.
## Applies to kids under 22. Excludes Accident Only cover.
*** Excludes Accident Only Basic cover and My Future Cover.
^^^ 2 month waiting period applies and depends on annual limits. Before you start any program, check you’re on eligible cover and the provider of the program is recognised by us. If you’re unsure, call 13 13 34 or visit a branch.
+++ Applicable on eligible products and with a family cover.
### Year in Review: Financial Year 2021-2022
^^ Less than 24 months life expectancy. Subject to terms and conditions, exclusions, limitations and definitions. Please refer to the PDS and Policy Document for further information. Terms and conditions apply. Please read the relevant Product Disclosure Statement, Policy Document and Financial Services Guide available by calling 1800 560 855 or visiting hcf.com.au/lifeinfo, and consider your financial situation, objectives, and needs before deciding on these products as any advice provided does not take these into account. In addition to these documents, you should also read the Target Market Determination (TMD) for the product, which is available at hcf.com.au/lifeinfo. Our Recover Cover products are issued by our own HCF Life Insurance Company Pty Ltd. ABN 37 001 831 250, AFSL 236 806 (HCF Life). HCF Life is a wholly owned subsidiary of The Hospitals Contribution Fund of Australia Limited ABN 68 000 026 746, AFSL 241 414 (HCF). The premiums for Recover Cover products are paid to HCF Life. HCF receives commission from HCF Life for their sale of up to 40% of the first year’s premium plus an additional commission of 80% of HCF Life’s underwriting profit each year calculated as premiums less claims and expenses. HCF’s staff may receive an incentive depending on the annual premium of these products which they sell. This will not exceed 15% of the first year’s premium.
LIFE INSURANCE CODE OF PRACTICE
HCF Life is bound by the Life Insurance Code of Practice which sets out the Australian life insurance industry’s key commitments and obligations to customers. Further information is available at CALI Life Insurance Code of Practice.