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 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.
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?
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
Significantly reduces out-of-pocket costs for high quality hearing aids.
Access a fully covered initial assessment with participating physiotherapists.
A fully covered preventative and diagnostic range of services at participating dentists.
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 100% back on extras help reduce your private health insurance out-of-pocket costs.
HCF mobile apps
Get 10% off gym memberships when you join Fitness First!
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.
The Australian Government Rebate on private health insurance helps you cover the cost by reducing your premium.
The percentage of rebate you are entitled to is dependent on age and income.
The percentage rebate applied to your premium will be
Note: Single parents and couples (including de facto couples) are subject to family rebates.
For families with children, the threshold is increased by $1,500 for each child after the first.
Added to quote
Basic hospital cover designed for the healthy & budget conscious plus affordable mid level extras cover for a range of services and therapies.
Affordable hospital cover for some common procedures plus quality extras covering a wide range of services and therapies.
Premium hospital cover for those who prefer complete peace of mind plus top level extras with the highest coverage for therapies and services.
For procedures identified as Minimum Benefits, we will pay the rate set out by the Commonwealth as the minimum shared room benefit, and benefits for Government approved Prostheses List items, if applicable.
In a private hospital: These benefits would not be adequate to cover all hospital costs and are likely to result in large out-of-pocket expenses.
In a public hospital: In the event these benefits are less than what your chosen public hospital charges, you may have out-of-pocket expenses to pay.
*This price excludes any Lifetime Health Cover loadings.