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HCF
More for members.
  • Health insurance
    • Young singles & couples
    • Planning a family
    • Families with kids
    • Older singles & couples
    • Wiser & older
    • Packages (hospital & extras)
    • Hospital only
    • Extras only
    • Ambulance Cover
    • Overseas Visitors Health Cover
    • Health insurance

      Because we’re not for profit, members get more, not shareholders.

  • Other products
    • More protection
    • Travel insurance
    • Pet insurance
    • Retirement lifestyles
    • Aged care facilities
    • Other products

      We offer more than just health insurance.

  • Health & wellness
    • Health directory
    • My Health Guardian
    • Healthy weight for life programs
    • Hospital substitute care program
    • Going to hospital
    • Health & wellness

      Our aim is to improve your health, through preventative programs and access to health resources.

  • Why HCF
    • You get more with HCF
    • Why private health insurance
    • Why Medicare is not enough
  • Locations
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  • About us
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  • Join

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.

HomeHealth & wellness

Health & wellness

 
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Healthdirectory

Health directory

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

My Health Guardian

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

Healthy weight for life programs

Free programs for HCF members.
Hospitalsubstitutecareprogram

Hospital substitute care program

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

Going to hospital

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

Why wait?
Join online today.

Join now and all two and six month waiting periods will be waived.Conditions

Apply now

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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Online member services

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