At HCF, we like to do things differently.

We’re a not-for-profit organisation so our goal isn’t to pay dividends to shareholders. It’s to provide benefits to our members.

That’s why we don’t charge our members a hospital excess for accidents or same-day surgery, and why we include medical gap cover in all our Hospital covers.

We also provide generous benefit limits for Extras like dental, optical, chiro and physio services, we offer outstanding private hospital access, and fast online claiming so our members can feel better, sooner.

It’s called the HCF difference, and it’s our way of making sure our members get the most out of their cover.

30-days free trial

You will receive a 100% refund on your Hospital and Extras cover if you change your mind or cancel your policy within 30 days, provided you haven’t made a claim.

More money in your pocket

We only charge you up to $50 per night per person for hospital excess, unlike other funds that can charge $1,000 upfront. That means more money in your pocket.

No-gap means no extra costs

We have a ‘no-gap’ arrangement with over 19,000 doctors Australia-wide. So there is less chance of you having to pay the medical gap when you receive treatment.

Peace of mind where you need it most

All of our Hospital covers include coronary, intensive care and neo-natal intensive care. That means greater coverage for you.

We’ll help you make the switch to HCF

We’ll take care of all the details when you switch to us from another fund. Plus, you can continue to enjoy similar level of cover and no additional waiting periods.

Talk to someone, 7 days a week

We have 50 branches and a call centre that’s open 7 days a week. So when you call us, you’ll speak to a real person who will take the time to help you with your enquiry.