Join HCF and take hospital and extras cover and you'll save 10% on your first year's premium.

Immediate access to benefits

We’ll also waive the usual 2 & 6 month waiting periods on over 20 health benefits so you can start claiming immediately for dental, optical, physio and much more.

You get more with HCF

	We’re not-for-profit and return more in benefits to members.
	It’s why we’re one of Australia’s fastest growing health funds, with over a million members.

Switching to HCF is easy

	We’ll contact your current fund and do the paperwork for you.
	Switch to an equivalent level of HCF cover, and you won’t have to re-serve any waiting periods.

To apply

	Click on the button above to view HCF product options.
	Ready to join? Complete the application form

Terms and conditions

* The Fitness First offer is only available to Fitness First members who join HCF before the 30th June 2010 and take out both hospital and extras cover. Offer is not available to current HCF members. Applications must be made directly with HCF, and not through a broker or any other third party. Membership payments to HCF must be made via direct debit or credit card. The 10% saving on the first year’s premium will be provided by giving you free days. Not available in conjunction with any other offer or discount.

** Waiver offer is only available to new members taking out both hospital and extras cover. Waiver does not apply to waiting periods of more than 6 months, including 12 months for obstetric services, or 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.