PUTTING OUR MONEY WHERE OUR MEMBERS ARE
We're giving back an additional $136 million in COVID-19 claims savings. It’s just another way we’re putting our money where our members are to help ease cost of living pressures.
Since the beginning of the pandemic, we’ve provided close to $500 million in total COVID-19 member benefits and support, including:
- freezing premium increases 3 times over 3 years
- $269 million in cashbacks to eligible members
- premium relief for eligible members experiencing hardship.
If you're eligible to receive the additional cashback, it will be deposited in the bank account you've nominated to receive your claims benefits. Check that your account details are up to date at hcf.com.au/members or in the My Membership app.
NEW WAYS TO SUPPORT YOUR MENTAL HEALTH
With 1 in 2 Aussies struggling with their mental health during their lifetime, we know how important it is to access mental health support when and where you need it. That’s why we’ve increased our cover for mental health services on selected extras.
Members with eligible extras cover can now claim consultations with:
- a psychologist (if you don’t have a Medicare Mental Health Treatment Plan or you’ve used it up)
- an HCF-approved counsellor
- an accredited mental health social worker.
We also provide cover for eligible online cognitive behavioural therapy courses, delivered by This Way Up#. It’s just another way we provide a level of care that’s uncommon.
Award-winning Value
We’ve been awarded Outstanding Value Health Insurance by Canstar 7 years in a row.
Leading Mental Health Programs
Access a range of holistic mental health and wellbeing programs providing access to eligible members with 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.
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.
ON-DEMAND INJURY cover that won't break the bank
As Australia's largest not-for-profit health fund, we want Aussies to have access to affordable, flexible protection. That's why we've developed Flip - a new category of on-demand injury insurance offering quick and simple cover that fits with your life. Whether you want peace of mind for a week or a weekend, Flip is cover you can activate in an instant and get claims paid fast~~.
Get Flip
HCF's My Membership App
The My Membership app is the easiest way to stay on top of your health insurance admin – no matter where you are, or what time of day it is. Download the HCF app from the App store or Google Play.
Access your digital membership card in the My Membership app to claim on the go. Available for Android users.
Ways to connect with us
CALL US TODAY
Our team of friendly experts are here to answer your questions on how we can help during this time. We’re open: Mon-Fri 8am to 8pm, Sat 9am to 5pm (AEST/AEDT). Call 13 13 34.
SEND AN EMAIL
Head over to our Contact Us page and complete the form to send us an email.
USE THE APP
The My Membership app is the easiest way to stay on top of your health insurance admin – no matter where you are, or what time of day it is.
LOG IN ONLINE
Managing your account on the go is easy with our Online Member Services tool.
WE LIKE TO SAY THANK YOU
We’re proud to have so many members who’ve chosen us as their health partner. To show our appreciation, our loyalty program, HCF Thank You, gives members access to services, programs and discounts from great partner brands. The longer you stay with us, the more ways we get to say thank you~. Here are just some examples of our recent offers:
- 3% Off Woolworths e-Gift Cards~
- 4% Off JB Hi-fi e-Gift Cards~
- 3% Off Harvey Norman e-Gift Cards~
- 7% Off Rebel e-Gift Cards~
Important Information
^ 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
# 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.
~ Eligibility criteria applies. You can access HCF Thank You offers after you’ve been a member for a week, and if your premiums are up to date. Excludes Ambulance Only and Overseas Visitors Health Cover. Offers and partners are subject to change without advance notice. See the HCF Thank You Terms available at hcf.com.au
~~ Flip advice is general in nature. We don’t take into account your personal circumstances, so please consider how appropriate it is for you before taking action. It’s important to read the Promo Terms, Product Disclosure Statement and Financial Services Guide and Target Market Determination before signing up, too.
HCF Life Insurance Company Pty Ltd ABN 37 001 831 250, AFSL 236 806 (HCF Life) is the issuer of Flip Insurance. Flip Insurance Pty Ltd ABN 71 648 680 960, ARN 001288198 (Flip Insurance) is a wholly owned subsidiary and authorised representative of HCF Life. HCF Life is a wholly owned subsidiary of The Hospitals Contribution Fund of Australia Limited ABN 68 000 026 746, AFSL 241 414 (HCF), and acts on its own behalf.
Premiums for Flip cover are paid to HCF Life. HCF receives commission of 80% of HCF Life’s underwriting profit each year calculated as premiums less claims and expenses. Flip Insurance may receive remuneration from HCF Life for the financial services it provides in relation to Flip cover. Flip Insurance and HCF Life employees receive a salary, paid by HCF Life, for the financial services they provide in relation to Flip cover. In addition, HCF, HCF Life and Flip Insurance employees may also receive an incentive depending on the total revenue and profitability of Flip products, and for meeting their compliance obligations. This remuneration is provided on a discretionary basis and may vary from time to time.