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.