Private health insurance from HCF health cover fund

HCF

Young singles & couples

Health insurance options for young singles or couples not planning a family.

Planning a family

Health insurance options for couples or families planning children.

Families with kids

Health insurance options for families that are still growing, or all grown up.

Older singles & couples

Health insurance options for older singles or couples wanting quality health cover.

Wiser & older

Health insurance options for over 65's looking for quality health cover.

Packages (hospital & extras)

Full health insurance that covers both hospital and extras.

Hospital only

For those who want private hospital access only.

Extras only

For those who want generous benefit limits for extras. Does not include hospital cover.

Ambulance Cover

Cover for emergency ambulance (state government services) to the nearest hospital.

Overseas Visitors Health Cover

Health insurance for visitors to Australia with the right to work.

More protection

Affordable financial help when sickness, accidents or unemployment strikes.

Travel insurance

HCF members get 10% off HCF International Travel Insurance.

Pet insurance

HCF members get 10% off Pet Insurance.

Retirement lifestyles

Our facilities are designed especially for the over 55’s.

Aged care facilities

Our facilities offer the best care for residents requiring more support and security.

Health directory

An extensive listing of online health information resources, articles and organisations.

My Health Guardian

Our online health management program is provided to members at no extra charge.

Healthy weight for life programs

Free programs for HCF members.

Hospital substitute care program

Receive your medical treatment at home, rather than a hospital.

Going to hospital

What to expect during your stay, how to prepare, costs, and what happens after leaving.

You get more with HCF

Reasons why HCF is different from other funds.

Why private health insurance

Reasons why you need private health insurance.

Why Medicare is not enough

Reasons why Medicare might not be enough to cover you.

Branches

Our large network of branches provides a convenient service for advice, joining, and claiming.

Dental centres

One of HCF's differences is our network of HCF Dental Centres in metropolitan Sydney.

Eyecare centres

Another outstanding member benefit is our network of HCF Eyecare Centres.

Participating hospitals

HCF has negotiated agreements for accommodation and hospital-related charges.

News

Newsworthy items that relate to HCF.

Careers

If you’d like to work for HCF, we’d like to hear from you.

Media releases

List of all HCF company announcements.

Annual report

Download the 2010 HCF Annual Report, published on 30 January 2011.

Corporate Governance

Information relating to the main corporate governance practices that are in place.

Code of conduct

This Code will maintain and enhance regulatory compliance and service standards.

HCF Foundation

A not-for-profit charitable trust established to encourage research.

Member service charter

Outlines our mission and commitment to our members.

Fraud

We take active measures to detect and prevent fraud.

Get a quote

Resume a previously saved quote

Get a quote

Resume a previously saved quote

If you already have a quote number, complete your application online

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We're not for profit, so you get more, not shareholders
Last year we returned 91 cents in the dollar as benefits, compared to an industry average of only 86 cents.

Join online and all two and six month waiting periods will be waived*

Waiver Offer

We'll waive the usual 2 & 6 month waiting periods on over 20 health benefits when you take out hospital and extras cover. Join now, and you'll have immediate access to the following benefits:

Dental check-ups
Dental X-rays
Dental scale and clean
Dental fluoride application
Dental fillings
Spectacle frames
Spectacle lenses
Contact lenses
Disposable contact lenses
Physiotherapy
Chiropractic

Osteopathy
Acupuncture
Remedial massage
Exercise physiology
Chinese herbal medicine (consultation)
Hospital accommodation
Ambulance*
Same day hospital cover
Operating theatre fees
Pharmacy

* QLD and TAS residents are covered under their state ambulance scheme.

PLEASE NOTE: Offer only available to new members taking out Hospital and Extras cover. Waiver does not apply to waiting periods of more than 6 months, including 12 months for pregnancy and birth-related services, pre-existing ailments and conditions. Psychiatric, rehabilitation and palliative care services, which have a 2 month waiting period, are also excluded from this waiver offer.

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young-singles-and-couples

Young singles & couples

I'm a young single or couple not planning a family.

planning-a-family

Planning a family

We're a couple or family planning children.

families-with-kids

Families with kids

Our family is still growing, or all grown up.

older-singles-and-couples

Older singles & couples

I'm an older single or couple wanting quality health cover.

wiser-and-older

Wiser & older

I'm over 65 looking for quality health cover.

Kids' Accident Cover
Pays up to $100,000 if your child (under 17) is accidentally injured anywhere in Australia.
Income Assist Insurance
Tax efficient protection against loss of income resulting from disablement.
Medical Trauma Insurance
Pays a cash benefit in the event of death or a number of serious illnesses.

My Health Guardian

Take our 90 day health improvement challenge.

switching funds?

Begin comparing

more for eyes

Find out more

my global specialist

Find out more

Making a claim

Making a claim

Here are the things you need to know before making a claim.

Download forms

Download forms

HCF has many forms available
to download.

Find a Branch

Find a branch

We have one of the largest networks of branches in
NSW / ACT.

Contact Us

Contact us

We’re here to help. Contact us if you have any questions or feedback.

Pet insurance

Helps pay for vet expenses if your dog or cat is suddenly or unexpectedly injured, or becomes ill.

HCF members receive a 10% discount.

Find out more
Travel insurance

A wide range of benefits for medical and hospital expenses, legal assistance, as well as compensation for travel delays or lost luggage.

HCF members receive a 10% discount.

Find out more
Overseas Visitors Health Cover

A comprehensive health insurance product designed for visitors to Australia with the right to work.

Find out more

Online member services

We provide a variety of online services to help you get the most from your membership.

Login now

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