Why should we have HCF health insurance?

  • Over 400 participating private hospitals and 22,000 doctors to choose from
  • HCF members pay less when they go to hospital, with one of the best medical gap cover schemes in Australia
  • Extras cover for everyday health needs like dental and optical
You get more with HCF. Learn about the savings for HCF members. Find out more

Budget Hospital & General Extras Plus

Hospital & Extras
Our essential hospital and extras cover.
$6.32
per dayThis price is based on a family rate in NSW with an Australian Government Rebate of 29.040% which equates to $2.59, no Lifetime Health Cover loading and an excess option of $450. The price you pay depends on which income tested Australian Government Rebate on private health insurance you qualify for. These vary depending on your income and age.
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Hospital highlights
  • Accident related treatment
  • Removal of tonsils
  • Removal of appendix
  • Shoulder reconstruction
  • Emergency ambulance and more

Note: Exclusions apply to this product. For some procedures, you will not receive any benefits from HCF towards your hospital and medical costs and you may have significant out-of pocket expense. Please ensure you have reviewed the exclusions list before purchasing this product.

Exclusions

The following services are excluded on this level of cover:

  • Heart surgery1
  • Cataract and other lens related surgery
  • Dialysis for chronic renal failure
  • Gastric banding & obesity surgery
  • Total hip and knee joint replacement surgery
  • Obstetric services, i.e. Pregnancy and birth related services
  • Assisted reproductive services (e.g. IVF, GIFT)
  • Spinal fusion, spinal scoliosis and disc replacement surgery
  • Cochlear implant surgery and bone anchored hearing devices2
  • Insulin pump treatments3
  • Elective cosmetic surgery and podiatric surgery




This means if you need treatment for any procedures listed above, you will not receive any benefits from HCF towards your hospital and medical costs and you may have significant out-of pocket expense. Please ensure you have reviewed the exclusions list before purchasing this product.

If a service is not covered by Medicare there will be no benefit payable on your hospital cover so you should always check with us to see if you’re covered before receiving treatment.

Minimal Benefits are paid on some hospital services (i.e Psychiatric services, Rehabilitation services and Palliative care).

Minimal benefits

The following services are paid at Minimal benefits on this level of cover:

  • Psychiatric services
  • Rehabilitation services
  • Palliative care

If you’re sure you won’t need specific services in a private hospital then insurance for these services at a Minimal benefit level can save you money.

Minimal benefits only cover the cost of staying in a public hospital shared room.

In a private hospital, if you need to claim on procedures with Minimal benefits, you may have significant costs to pay.

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Extras highlights
  • 2 free dental check-upsFully covered dental check ups

    The HCF More for teeth program provides a range of fully covered diagnostic and preventative dental services, subject to your annual limits, through our seven HCF Dental Centres in Sydney and participating dental providers in regional and rural New South Wales, Australian Capital Territory, Victoria, Queensland, South Australia and Western Australia.
    per year at an HCF Dental Centre or More for teeth program dentist
  • Over $800 per year for essential dental including check-ups, x-rays and wisdom tooth removal
  • Up to $180 per year for Optical
  • Up to $500 for essential therapies including physio, remedial massage, chiro and more...
+ View full product details including benefits, waiting periods, restrictions & exclusions. [PDF]

Hospital Advanced Savings & General Extras Plus

Hospital & Extras
For healthy families not planning any more children, wanting basic hospital and extras cover.
$7.67
per dayThis price is based on a family rate in NSW with an Australian Government Rebate of 29.040% which equates to $3.14, no Lifetime Health Cover loading and an excess option of $250. The price you pay depends on which income tested Australian Government Rebate on private health insurance you qualify for. These vary depending on your income and age.
Join Now
Hospital highlights
  • Back surgery
  • Shoulder reconstruction
  • Removal of tonsils
  • Removal of appendix
  • Rehabilitation services
  • Emergency ambulance and more

Minimal Benefits are paid on some hospital services (such as pregnancy, psychiatric services and joint replacement).

Minimal benefits

The following services are paid at Minimal benefits on this level of cover. This helps you save because you won’t pay for what you don’t want:

  • Assisted reproductive services (e.g. IVF, GIFT)
  • Total and partial hip and knee joint replacement
  • Cataract and other lens related surgery
  • Dialysis for chronic renal failure
  • Elective cosmetic surgery
  • Surgery by an accredited podiatric surgeon

If you’re sure you won’t need specific services in a private hospital then insurance for these services at a Minimal benefit level can save you money.

Minimal benefits only cover the cost of staying in a public hospital shared room.

In a private hospital, if you need to claim on procedures with Minimal benefits such as pregnancy or dialysis, you may have significant costs such as theatre or labour ward charges to pay.

Print X
Extras highlights
  • 2 free dental check-upsFully covered dental check ups

    The HCF More for teeth program provides a range of fully covered diagnostic and preventative dental services, subject to your annual limits, through our seven HCF Dental Centres in Sydney and participating dental providers in regional and rural New South Wales, Australian Capital Territory, Victoria, Queensland, South Australia and Western Australia.
    per year at an HCF Dental Centre or More for teeth program dentist
  • Over $800 per year for essential dental including check-ups, x-rays and wisdom tooth removal and more
  • Up to $180 per year for Optical
  • Up to $500 for essential therapies including physio, remedial massage, chiro and more...
+ View full product details including benefits, waiting periods, restrictions & exclusions. [PDF]

Top Plus & Multicover

Hospital & Extras
For families planning more children, or wanting top hospital cover and comprehensive extras for themselves and the kids.
$12.21
per dayThis price is based on a family rate in NSW with an Australian Government Rebate of 29.040% which equates to $5.00, no Lifetime Health Cover loading and an excess option of $250. The price you pay depends on which income tested Australian Government Rebate on private health insurance you qualify for. These vary depending on your income and age.
Join Now
Hospital highlights
  • Pregnancy and birth related services
  • Assisted reproductive services (e.g. IVF, GIFT)
  • Accident related treatment
  • Hip and knee joint replacement surgery
  • Rehabilitation services
  • Emergency ambulance

Minimal Benefits are paid on some hospital services (such as elective cosmetic surgery and surgery by accredited podiatric surgeon).

Minimal benefits

The following services are paid at Minimal benefits on this level of cover. This helps you save because you won’t pay for what you don’t want:

  • Elective cosmetic surgery
  • Surgery by accredited podiatric surgeon

If you’re sure you won’t need specific services in a private hospital then insurance for these services at a Minimal benefit level can save you money.

Minimal benefits only cover the cost of staying in a public hospital shared room.

In a private hospital, if you need to claim on procedures with Minimal benefits such as pregnancy or dialysis, you may have significant costs such as theatre or labour ward charges to pay.

Print X
Extras highlights
  • 2 free dental check-upsFully covered dental check ups

    The HCF More for teeth program provides a range of fully covered diagnostic and preventative dental services, subject to your annual limits, through our seven HCF Dental Centres in Sydney and participating dental providers in regional and rural New South Wales, Australian Capital Territory, Victoria, Queensland, South Australia and Western Australia.
    per year at an HCF Dental Centre or More for teeth program dentist
  • Over $2,400 per year for extensive dental including check-ups, x-rays, wisdom tooth removal, root canal, orthodontics and crowns and bridges
  • Up to $220 per year for Optical
  • Over $2,500 per year for an extensive range of therapies including physio, remedial massage, chiro, speech therapy, psychology, and more...
+ View full product details including benefits, waiting periods, restrictions & exclusions. [PDF]