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

Hospital Advanced Savings & General Extras Plus

Hospital & Extras
For healthy families not planning any more children, wanting basic hospital and extras cover.
$7.08
per dayThis price is based on a family rate in NSW with the 30% Australian Government Rebate, 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.
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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.

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Extras highlights
  • 2 free dental check-upsDental check ups

    When you go to an HCF dental centre, dental diagnostics, preventive care and simple single surface fillings carried out by our general dentists (not specialists) are at 'no charge'. This means the HCF benefit covers the entire cost, up to your available limit, and you have no out of pocket expenses. Members in VIC, QLD, SA and regional NSW can access the More for teeth program for many no-charge diagnostic and preventative dental services.
    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.
$11.19
per dayThis price is based on a family rate in NSW with the 30% Australian Government Rebate, 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
Extras highlights
  • 2 free dental check-upsDental check ups

    When you go to an HCF dental centre, dental diagnostics, preventive care and simple single surface fillings carried out by our general dentists (not specialists) are at 'no charge'. This means the HCF benefit covers the entire cost, up to your available limit, and you have no out of pocket expenses. Members in VIC, QLD, SA and regional NSW can access the More for teeth program for many no-charge diagnostic and preventative dental services.
    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]

Top Plus & Super Multicover

Hospital & Extras
Top level hospital cover for peace of mind, with top of the range extras cover.
$12.18
per dayThis price is based on a family rate in NSW with the 30% Australian Government Rebate, 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
Extras highlights
  • 2 free dental check-upsDental check ups

    When you go to an HCF dental centre, dental diagnostics, preventive care and simple single surface fillings carried out by our general dentists (not specialists) are at 'no charge'. This means the HCF benefit covers the entire cost, up to your available limit, and you have no out of pocket expenses. Members in VIC, QLD, SA and regional NSW can access the More for teeth program for many no-charge diagnostic and preventative dental services.
    per year at an HCF Dental Centre or More for teeth program dentist
  • Over $3,000 per year for extensive dental including check-ups, x-rays, wisdom tooth removal, root canal, crowns, bridges, dentures and more
  • $250 (or up to $500 every 2 years) for Optical
  • Up to $4,500 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]