Freezing Premiums at Current Rates Until 1 November 2022
We’re keeping our promise of not profiting from the pandemic by passing on COVID-19 claims savings to all members by freezing premiums at current rates until 1 November 2022.
As Australia’s largest not-for-profit health fund, we’re returning an additional $66 million in claims savings as part of our continued COVID-19 support for members.
This decision aligns with our commitment to keep health cover affordable and available to as many Australians as possible.
We’ve been awarded Outstanding Value Health Insurance by Canstar 6 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.
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.
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*.
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
*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.
#Canstar 6 years in a row for 2016-2021. We were also recognised for; Hospital cover in NSW, NT, Qld, SA, WA & Tas. Extras cover in NSW, NT, Tas and WA. Hospital & Extras package in NSW, SA, NT, Tas and WA.
^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
+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.