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Hospital highlights

Ambulance cover
No hospital excess for same day surgery
Hospital cover for a range of services in HCF participating private or public hospitals including:
- Accidents
- Shoulder reconstruction surgery
- Knee reconstruction surgery
- Removal of tonsils and appendix
- And more...

Minimal Benefits are paid on a range of hospital services to save you money (such as pregnancy, sporting injury rehabilitation, psychiatric services).

Minimal benefits

The following services are paid at Minimal benefits on this level of cover. This helps you save because you won’t pay for what you don’t want:

Gastric banding and obesity surgery
Pregnancy and birth related services
Assisted reproductive services (e.g. IVF, GIFT)
Psychiatric services
Rehabilitation
Total and partial hip and knee joint replacement
Cataract and other lens related surgery
Dialysis for chronic renal failure
Elective cosmetic surgery
Surgery by an accredited podiatrist

If you’re sure you won’t need specific services in a private hospital then insurance for these services at a Minimal benefit level can save you money.

Minimal benefits only cover the cost of staying in a public hospital shared room.

In a private hospital, if you need to claim on procedures with Minimal benefits such as pregnancy or dialysis, you may have significant costs such as theatre or labour ward charges to pay.

Extras highlights

2 free dental check-upsDental check ups

When you go to an HCF dental centre, dental diagnostics, preventive care and simple single surface fillings carried out by our general dentists (not specialists) are at 'no charge'. This means the HCF benefit covers the entire cost, up to your available limit, and you have no out of pocket expenses. Members in VIC, QLD, SA and regional NSW can access the HCF Oral Health Program for many no-charge diagnostic and preventative dental services. per year
Over $800 per year for essential dental including check-ups, x-rays and wisdom tooth removal
Up to $180 per year for Optical
Up to $350 for essential therapies including physio, remedial massage, chiro and more...

How to join

Call us on 13 13 34, or visit your nearest HCF branch.

+ Things you should know [PDF]

Waiver Offer

We'll waive the usual 2 & 6 month waiting periods on over 20 health benefits when you take out hospital and extras cover. Join now, and you'll have immediate access to the following benefits:

Dental check-ups
Dental X-rays
Dental scale and clean
Dental fluoride application
Dental fillings
Spectacle frames
Spectacle lenses
Contact lenses
Disposable contact lenses
Physiotherapy
Chiropractic

Osteopathy
Acupuncture
Remedial massage
Exercise physiology
Chinese herbal medicine (consultation)
Hospital accommodation
Ambulance*
Same day hospital cover
Operating theatre fees
Pharmacy

* QLD and TAS residents are covered under their state ambulance scheme.

PLEASE NOTE: Offer only available to new members taking out Hospital and Extras cover. Waiver does not apply to waiting periods of more than 6 months, including 12 months for pregnancy and birth-related services, pre-existing ailments and conditions. Psychiatric, rehabilitation and palliative care services, which have a 2 month waiting period, are also excluded from this waiver offer.

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