• Over $10,000/yr in extras benefits with Multicover.
  
• Almost $12,000/yr in extras benefits with Super Multicover.
  
• Generous benefits for the services you’re likely to use most, like dental and optical.
  

• You’ll probably pay less for our top cover.
  
• No hospital excess for accidents or same day surgery (unlike most other funds).
  
• Best no-gap medical coverage of any major health fund in mainland Australia.
  

You get more with HCF.

• We’re not-for-profit and return more in benefits to members.
• It’s why we’re one of Australia’s fastest growing health funds, with over a million members.

Switching to HCF is easy.

• We’ll contact your current fund and do the paperwork for you.
• Switch to an equivalent level of HCF cover and you won’t have to re-serve any waiting periods.