Cover for essentials without blowing your budget.
Cover for when you’re having kids.
Cover for everyone in the family.
Cover for wherever life takes you.
65+ or those who would rather leave nothing to chance.
Full list of all our health insurance products
Full health insurance that covers both hospital and extras.
For those who want private hospital access only.
For those who want generous benefit limits for extras. Does not include hospital cover.
Cover for emergency ambulance (state government services) to the nearest hospital.
Health insurance for visitors to Australia with the right to work.
Cash assistance to help you recover from accidents and illness.
Cover in the event of death or terminal illness.
HCF members get 10% off HCF International Travel Insurance.
HCF members get 10% off Pet Insurance.
Our facilities are designed especially for the over 55’s.
Our facilities offer the best care for residents requiring more support and security.
Provides the care you need to stay safely in the comfort and familiarity of your own home.
Are you an overseas resident planning to study in Australia?
My Home Doctor provides after hours home General Practitioner services at no charge.
Our online health management program is provided to members at no extra charge.
A new service giving HCF members access to world leading medical experts.
Access a fully covered initial consultation with participating chiropractors and osteopaths
Free eye health checks through the use of digital retinal imaging.
Access a fully covered comprehensive service with participating podiatrists
Access a fully covered initial assessment with participating physiotherapists.
A fully covered preventative and diagnostic range of services at participating dentists.
Significantly reduces out-of-pocket costs for high quality hearing aids.
Free programs for HCF members.
THIS WAY UP Clinic
What to expect during your stay, how to prepare, costs, and what happens after leaving.
Information on safety and quality indicators in Australian public hospitals.
Free heart health checks for HCF members with Extras cover.
An exclusive health and lifestyle magazine for HCF members.
Information for the provision of benefits for insulin pumps.
We value our members and want to show it. The longer you’re with HCF, the more we’ll give back.
Our large network of branches provides a convenient service for advice, joining, and claiming.
One of HCF's differences is our network of HCF Dental Centres in metropolitan Sydney.
Another outstanding member benefit is our network of HCF Eyecare Centres.
HCF has negotiated agreements for accommodation and hospital-related charges.
Directories of HCF approved participating providers.
Reasons why HCF is different from other funds.
Reasons why you need private health insurance.
Reasons why Medicare might not be enough to cover you.
Newsworthy items that relate to HCF.
If you’d like to work for HCF, we’d like to hear from you.
List of all HCF company announcements.
Download the HCF Annual Report.
Information relating to the main corporate governance practices that are in place.
This Code will maintain and enhance regulatory compliance and service standards.
A not-for-profit charitable trust established to encourage research.
Outlines our mission and commitment to our members.
We take active measures to detect and prevent fraud.
80 years on, HCF remains faithful to its original not-for-profit charter.
HCF corporate and environmental policies.
HCF achieves excellence in customer service.
Australia's best customer service.
Find out more about how we’ve changed.
We'll waive the 2 & 6 month waiting periods on extras when you take out hospital
and extras cover. Join now, and you'll have immediate access to the following benefits:
* 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. All hospital services, including the same day hospital excess and ambulance services are
excluded from the waiver offer.
We want you to be happy with your health cover and make sure you're comfortable with your choice of cover.
We’ll give you a 100% refund if you change your mind or cancel your policy within 30 days if you haven't made a claim.