GET UP TO 8 WEEKS FREE

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LOWEST AVERAGE RATE RISE OF MAJORS AND UP TO 8 WEEKS FREE++

The lowest average rate rise of the major health funds and up to 8 weeks free on eligible cover when you join by 21 April 2024 and stay with HCF++
 
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WANT TO TAKE OVER OUR ADS?

At HCF, we’re always giving members more value.​

Like winning more Canstar Health Insurance Awards than any other insurer+, discounted e-gift cards on everyday essentials# and 100% back on popular extras through our No-Gap network^. Now, we’re even giving members the chance to take over our advertising.​

Simply email ValueAds@hcf.com.au with your HCF membership number. Tell us what you would do or say, and the ad could be yours.

Terms and conditions apply. ​

LOWEST ANNUAL RATE INCREASE OF THE MAJOR HEALTH FUNDS

As Australia’s largest not-for-profit health fund, we’re focused on keeping health cover affordable and accessible for our members. That’s why we’re delivering the lowest rate increase among the major health funds.

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Say hello to our my membership app

We’re focused on putting our money where it matters – our members.

That’s why our new look My Membership app is designed to take the hassle out of health cover and put you back in charge with a simpler, easier experience

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INTRODUCING CORPORATE FLEX MY EXTRAS

Health insurance doesn't have to be complicated. That’s where Corporate Flex My Extras* comes in. It’s basic extras cover with a single limit plus an additional optical limit~ that helps you get more back on the extras you’ll actually use.

Join Corporate Flex My Extras and spend your limit your way.

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HEALTH AND WELLBEING SUPPORT

Our industry-leading health and wellbeing programs are pretty uncommon, helping members live happier, healthier lives.

Leading Mental Health Programs

Access a range of holistic mental health and wellbeing programs providing eligible members with access to the right support, at the right time - that's Uncommon Care.

100% Back on Extras

You can get 100% back* on a dental check-up or first visit to a physio, chiro or osteo when you see an extras provider in our No-Gap network.

ALL YOUR DENTAL NEEDS, COVERED

Our Dental Centres provide high-quality treatment at affordable rates for a whole range of dentistry needs for you and your family.

Empowering women to take charge of their health

Managing good health and making informed decisions starts with the right information.

Our Women's Health Hub gives you practical information and real-life stories to take charge of your health and wellbeing, covering topics like endometriosis, fertility, mental health, fitness, sexuality, pregnancy and menopause.

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CORPORATE COVER THAT WORKS JUST AS HARD AS YOU

  • Higher extras limits
    With access to exclusive corporate products, you’ll get higher limits on most extras covers, compared to same levels of cover in our HCF standard product range.
  • Claim more on optical and dental
    Limit Boost is a way to top up your optical and general dental (excluding orthodontic) limit each year, so you can claim more. It's available on hospital and extras packages and kicks in after 12 months on your extras cover and grows every year up to year 6#.
  • Get 100% back on popular extras^
    Get 100% back^ on 1 or 2 dental check-ups a year, prescription glasses from a selected range, and a first visit to a physio, chiro or osteo with over 16,000 extras providers in our No-Gap network.
  • Support for mental health and wellbeing
    We’ve gone above and beyond to develop a holistic mental health and wellbeing program with quick and easy access to a range of options so you can choose which is right for you and your family.
  • Great value for families
    If you have 1 child or many, the cost of your family cover stays the same. You also pay $0 excess for kids aged under 25, no matter how many times they go to hospital^^.
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HCF AND RT HEALTH STRONGER TOGETHER

We've merged with not-for-profit fund rt Health, bringing two leading mutual health funds together as one.

SWITCH TO CORPORATE COVER IN 3 STEPS

  1. Choose your level of cover
  2. Complete your application online or call our award winning team: 1800 880 049
  3. We’ll do the rest for you. We’ll contact your current health fund for you and you’ll have no additional waiting periods for benefits previously covered (excluding hearing aids).
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WE’RE HERE FOR YOU

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MENOPAUSE MATTERS PODCAST

Join host Alison Brahe-Daddo as she chats with leading experts to unpack the experience of perimenopause and menopause, including ways to manage your symptoms, how to navigate your career, mental health and relationships during this time, as well as the joys of life post-menopause.

 

Listen here

Important Information

++ To be eligible to receive the eight weeks free offer (Offer) you must be a new HCF member who joins eligible combined hospital & extras cover between 25 March 2024 00:00 ADST and 21 April 2024 23:59 AEST (Offer period). Excludes Hospital Premium Gold cover, Corporate Hospital Premium Gold and Overseas Visitors Health Cover. Your cover must start during the Offer period, and you must not have been an HCF member 2 months prior to taking out the Offer. You must pay your first months' premium and maintain your policy for 1 month, which will entitle you to have the date your policy is paid to extended by six weeks; and after 12 months from the date you join us, you will be entitled to have the date your policy is paid to extended by an additional two weeks. HCF may take up to six weeks to process each extension. Offer is not available with any other corporate joining offer.

^ 100% back through More for You providers in our No-Gap network is available on selected covers. Waiting periods and annual limits apply. Providers are subject to change. We recommend that you confirm the provider prior to your appointment. See hcf.com.au/100back

# Unused Limit Boost can't be carried into the following year.  

## This service is not affiliated or associated with HCF in any way. You should make your own enquiries to determine whether this service is suitable for you. If you decide to use this service, it’ll be on the basis that HCF won’t be responsible, and you won’t hold HCF responsible, for any liability that may arise from that use.

^^ Excludes Accident Only Basic cover.

* Corporate discount is not available on Corporate Flex My Extras cover.

~ Waiting periods and service limits apply. Flexible $650 single limit plus $175 optical limit per person per year.