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Join the great migration to HCF and get more
The fund of choice for people
switching health funds*
Find out more   


Join online and get 1 month free plus we’ll
waive the usual 2 & 6 month waiting periods.**

* IPSOS research 2013 (projected results).
** Conditions and some longer waiting periods apply

Terms and conditions of 1 month free offer

This web offer is limited to new members taking out new policies through hcf.com.au.

It is limited to new hospital only and combined hospital and extras policies on direct debit, with a limit of one month free per policy.

The one month free is applied after serving two months of paid membership on direct debit.

The offer excludes: Extras only health insurance, Overseas Visitors Health Cover, Ambulance Cover, Life, Travel and Pet Insurance.

It is not available in conjunction with any other offer or discounts (excluding the waiting period waiver offer).

Any refunds will only be available on premiums paid.

Terms and conditions of 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: Waiver 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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