Wiser & older

Why should I have HCF health insurance?

  • Heart conditions covered on any HCF hospital cover you choose
  • HCF members pay less when they go to hospital, with
    one of the best medical gap cover schemes in Australia
  • Over 400 participating private hospitals and over 22,000 doctors to choose from
You get more with HCF. Learn about the savings for HCF members. Find out more
Hospital only

Top Plus

For over 65’s looking for top level of hospital cover only. Extras not included.
$3.84
per dayThis price is based on a single rate in NSW with the 30% Federal Government Rebate, no Lifetime Health Cover loading and nil excess.
Join Now
Hospital highlights
  • Ambulance cover
  • No hospital excess for same day surgery
  • Hospital cover for a range of services in HCF participating private or public hospitals including:
    • Accidents
    • Colonoscopy and bowel surgery
    • Heart conditions
    • Joint replacements
    • Cataract and other major eye surgery
    • Psychiatric services in hospital
    • Cancer treatment
    • And more...
Extras highlights

No extras are included in this product.
+ Download a fact sheet [PDF]
Hospital & Extras

Top Plus & Multicover

The most popular package for over 65’s, including a top level hospital cover for peace of mind, and comprehensive extras.
$4.81
per dayThis price is based on a single rate in NSW with the 30% Federal Government Rebate, no Lifetime Health Cover loading and an excess option of $250.
Join Now
Hospital highlights
  • Ambulance cover
  • No hospital excess for same day surgery
  • Hospital cover for a range of services in HCF participating private or public hospitals including:
    • Accidents
    • Colonoscopy and bowel surgery
    • Heart conditions
    • Joint replacements
    • Cataract and other major eye surgery
    • Psychiatric services in hospital
    • Cancer treatment
    • And more...
Extras highlights
  • 2 free dental check-ups per year
  • Over $2,400 per year for extensive dental including check-ups, x-rays, wisdom tooth removal, root canal, crowns and bridges and dentures
  • Up to $220 per year for Optical
  • Over $3,000 per year for an extensive range of therapies including physio, remedial massage, chiro, podiatry and more...
+ Download a fact sheet [PDF]
Hospital & Extras

Top Plus & Super Multicover

Top level hospital cover for peace of mind, with top of the range extras cover.
$5.38
per dayThis price is based on a single rate in NSW with the 30% Federal Government Rebate, no Lifetime Health Cover loading and an excess option of $250.
Join Now
Hospital highlights
  • Ambulance cover
  • No hospital excess for same day surgery
  • Hospital cover for a range of services in HCF participating private or public hospitals including:
    • Accidents
    • Colonoscopy and bowel surgery
    • Heart conditions
    • Joint replacements
    • Cataract and other major eye surgery
    • Psychiatric services in hospital
    • Cancer treatment
    • And more...
Extras highlights
  • 2 free dental check-ups per year
  • Over $3,000 per year for extensive dental including check-ups, x-rays, wisdom tooth removal, root canal, crowns and bridges and dentures
  • Up to $250 per year for Optical
  • Up to $4,500 per year for an extensive range of therapies including physio, remedial massage, chiro, podiatry and more...
+ Download a fact sheet [PDF]

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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