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You get more with HCF

We're not-for-profit and return more in benefits to members

Travel Insurance

10% member discount and you only pay by the day.

Fit & Well for young people

It's cover you'll actually
use for less than
$2.50 a day!

More Protection

Low cost accident,
illness and income protection covers
from 90c per week.
Apply online with no medicals.

Pet health insurance

For less than
$3 per week


Why do I need health insurance?


Find out what your chances of going to hospital are.

Compare HCF to other funds


Use our new compare tool to see how we're different
from other funds.

My Health Guardian


Our new online health and wellbeing program will help you live a healthier life.

  • Coming soon
Going to hospital?

Practical info about what to expect during your stay, how to prepare, & how much it will cost you.