Join online and we'll waive the usual 2 & 6 month waiting periods*.

*Conditions and some longer waiting periods apply.
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This cover is for
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Select your
hospital cover
OR
Basic
Budget Hospital

From

$15.15

per week

Price is based on single rate in NSW with an Australian Government Rebate of 29.040% which equates to $6.25 and an excess of $450. This price excludes any Lifetime Healthcover Loading. Note the final price you pay may vary depending on your age and income.
Our entry level hospital cover.
Mid
Hospital Advanced Savings
Must be taken with extras cover

From

$17.45

per week

Price is based on single rate in NSW with an Australian Government Rebate of 29.040% which equates to $7.20 and an excess of $450. This price excludes any Lifetime Healthcover Loading. Note the final price you pay may vary depending on your age and income.
Our mid level hospital cover.
Top
Top Plus

From

$26.70

per week

Price is based on single rate in NSW with an Australian Government Rebate of 29.040% which equates to $11.00 and an excess of $450. This price excludes any Lifetime Healthcover Loading. Note the final price you pay may vary depending on your age and income.
Our most comprehensive hospital cover.
  Budget Hospital Hospital Advanced Savings Top Plus Fit & Free Young Singles & Couples
  Example hospital procedures at HCF participating private and public hospitals - Accommodation, operating theatre, intensive care.
Accident related treatment n/a
Physiotherapy and pharmaceuticals related to admission n/a
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Removal of tonsils n/a
Removal of adenoids n/a
Removal of appendix n/a
Hernia treatment n/a
Removal of kidney stones & gall stones n/a
Digestive disorder procedures (e.g. bowel surgery) n/a
Cancer related services (e.g. chemotherapy) n/a
Government approved prostheses for covered services n/a
Heart surgery including diagnostics & therapeutic cardiac procedures n/a
Spinal fusion, spinal scoliosis & disc replacement surgery n/a
Cochlear implant surgery & bone anchored hearing devices n/a
  Show Details
Insulin pump treatments n/a
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Dialysis for chronic renal failure n/a
Rehabilitation services n/a
Psychiatric services n/a
Gastric banding and obesity surgery n/a
Assisted reproductive services (e.g. IVF, GIFT) n/a
Pregnancy and birth related services n/a
Hip & knee joint replacement surgery n/a
Cataract and other lens related surgery n/a
Elective cosmetic surgery n/a
Podiatric surgery by an accredited podiatrist n/a
Emergency ambulance n/a
  Show Details
Non emergency ambulance (up to $5,000) n/a
  Show Details
Key features
No excess for accident related treatment n/a
No excess for kids n/a n/a n/a
No excess for same day treatment
12 month waiting period applies to pre-existing conditions
2 month waiting period applies to all other procedures
n/a
 

Available   Covered

Available   Minimal Benefits. For this procedure, you’ll be covered in a public hospital shared room, but your private hospital costs won’t be fully covered. This means you could face significant personal expense if you have this procedure in a private hospital.

Available   Exclusion – this procedure is not covered.

  Hospital & ambulance waiting periods
  Palliative care
Psychiatric services
Rehabilitation services
Non emergency ambulance transport (where not pre-existing)
2 months
  Pre-existing ailment or conditions
Ambulance transport for pre-existing condition
Pregnancy and birth related services
12 months
  All other hospital services 2 months
  Emergency ambulance transport (where not pre-existing) 1 day


 

Don't need
hospital cover?

 
Your quote

$0.00
per Week | Month | Year
Select a Government Rebate level:

Australian Government Rebate on private health
insurance as a reduced preminum

To help you select the appropriate rebate, please refer to the table below:

Need assistance?
If you need assistance with determining your income range, please use the Australian Taxation Office Calculator.

Status

Income

Singles

< $90,001

$90,001 - $105,000

$105,001 - $140,000

> $140,000

Families

< $180,001

$180,001 - $210,000

$210,001 - $280,000

> $280,000

Age

Australian Government Rebate

UNDER 65

29.040%

19.360%

9.680%

0.000%

65 – 69

33.880%

24.200%

14.520%

0.000%

70+

38.720%

29.040%

19.360%

0.000%

Note: Single parents and couples (including de facto couples) are subject to family rebates.
For families with children, the thresholds are increased by $1,500 for each child after the first.

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