You'll often find public hospitals have long waiting lists - especially for non-urgent operations. And as a Medicare patient you cannot choose the doctor you want. You will be treated by a doctor chosen by the public hospital you attend. Medicare also does not include ambulance costs.

Avoid the Medicare Levy Surcharge

If you are single and earn more than $80,000 a year or a family or couple earning more than $160,000 a year (increasing by $1,500 for each dependent child after the first) in the 2011/12 Financial year, avoid the additional 1% Medicare Levy Surcharge simply by having HCF hospital cover.

You get more with HCF

More benefits.

• We’re not-for-profit, so our members get more.
• We consistently return more in benefits than the average health fund.
• Generous dental benefits.
• Extras claims can be made over the counter at all HCF branches.

More cover.

• All our hospital products include cover for heart conditions.
• Only one hospital excess amount applies per person per calendar year.
• Zero excess for dependant children too.

More savings.

• The best no-gap medical coverage of any health fund.
• A range of fully covered services at over 3,000 dentists through our Oral Health program.
• Seven HCF Sydney Dental and Eyecare Centres offering many fully covered services.

More than health insurance.

• My Health Guardian is our unique online program to help you take charge of your health.
• A 10% discount on new Fitness First gym memberships, travel and pet insurance.
• HCF Life has affordable financial relief for when sickness, accidents or unemployment strike.

HCF won Canstar Cannex’s top national award for outstanding value health insurance in 2009, 2010 & 2011. Proof you get more value with HCF.