SHOP, SAVE & WIN WITH HCF THANK YOU YOUR LITTLE CHRISTMAS HELPER

Shop with our featured Christmas reward participating partners, Woolworths Supermarket, Apple, Myer, rebel, Angus & Coote, Booktopia or Kmart through the HCF Thank You loyalty program and you’ll automatically go in the draw to win 1 of 7 e-gift cards worth $1,000* from participating partners++.
 
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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

Claim on telehealth Extras

You can claim for one-to-one telehealth services, like dietetics, birthing classes, psychology and physio, from recognised HCF providers, until 31 December 2022.

TREATMENT AT HOME

Enjoy the freedom to choose how and where you’re treated. We’ve chosen to pay for hospital-substitute treatment so eligible members+ can be treated in the comfort of home where possible.

100% BACK ON POPULAR EXTRAS

At HCF members can get 100% back** on 1 or 2 dental check-ups a year and a first visit to a physio, chiro or osteo with over 16,000 extras providers in our No-Gap network.

CALL OUR NURSE HELPLINE

Members are asking for more help in these uncertain times, so we’ve launched a nurse helpline for COVID-19. Speak to experienced nurses for expert health advice.

UNIQUE MENTAL HEALTH PROGRAMS

We’re committed to giving our members the best mental health care. It’s why we’ve developed a unique range of mental health programs that ensure you get the right support and treatment – no matter where you are on your mental health journey. Leading the way in mental health care# - that's Uncommon Care.
 
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Recover Cover WHEN LIFE’S HURDLES GET IN YOUR WAY

We take care of more than health insurance.

Our unique range of flexible life insurance products pay you cash, to help take care of the unexpected costs that come with recovery.  

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Take Charge With the Snug App

We’ve partnered with Snug Health to help you manage the health and wellbeing of the whole family, simply and seamlessly with a free customised Snug subscription trial^.

USE THE HCF 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.

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-8pm, Sat 9am-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:

  • 4% Off Woolworths e-Gift Cards
  • 5% Off JB Hi-fi e-Gift Cards
  • 5% Off Harvey Norman e-Gift Cards
  • 8% Off Rebel e-Gift Cards
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HCF AND RT HEALTH STRONGER TOGETHER

We want to share an update on our merger with not-for-profit health fund, rt Health, which will see the two leading mutual health funds coming together as one.

WE’RE PART OF THE MEMBERS HEALTH FUND ALLIANCE

We’re proud to be part of Members Health Fund Alliance - Australia’s unified voice for not-for-profit, member owned health funds run for people, not for profit.

Important Information

*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 actions. It's important to read our Product Disclosure Statement, Financial Services Guide and Target Market Determination available at getflip.com.au before purchasing, 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 the products which they sell. The portion of this attributable to Flip products will not exceed 10% of HCF Life’s premium revenue earned from Flip cover.

++Excludes Ambulance Only and Overseas Visitors Health Cover. Offer terms and conditions apply, participating partners only, ends 11.59pm AEST/AEDT on 10 December 2021 (TP 21/01900 and T21/1716). See hcf.com.au/christmas for more details.

**100% back from providers in our No-Gap network is available on selected covers. Waiting periods and annual limits apply. See hcf.com.au/100back

+You must be a current member of HCF, have served waiting periods for pre-existing conditions, be covered for the treatment you’re having if you were admitted to hospital, require treatment you would have had to stay in hospital for, live in an area served by an HCF-contracted HST provider and have a suitable home environment to be treated in.

#HCF leads the way in mental health care by providing members access to a unique mental health program. This is substantiated through market analysis which shows that HCF's program is uncommon in the way that it connects its members to a wider range of mental health services, giving its members greater flexibility and choice. Furthermore, the market analysis shows that the HCF mental health program helps members navigate the public and private mental health services available.

^All HCF members above the age of 14, who hold any HCF health insurance product (excluding Overseas Visitors Health Cover) are eligible for a customised Snug subscription trial at no cost, from 22 March 2021 until 21 March 2022.  At the end of the trial, your account may revert to the standard Snug offer for all Australians, which may incur additional costs. HCF may choose to extend the offer upon written notice to its members.

~Eligibility criteria applies. You can access HCF Thank You offers after you've been a member for a week and if your policy payments are up to date. Excludes Ambulance Only and Overseas Visitors Health Cover.