SAY HELLO TO OUR MY MEMBERSHIP APP

We’re focused on putting our money where it matters – our members.

That’s why our new look My Membership app is designed to take the hassle out of health cover and put you back in charge with a simpler, easier experience.​

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MOST CANSTAR AWARDED HEALTH FUND IN 2023

At HCF, our focus is where it should be – on providing great value insurance for our members.

That's why we're pleased to announce we've won 11 awards at this year’s Canstar’s Health Insurance Awards, including the highly coveted Outstanding Value Award for Health Insurance for the 8th year in a row (2016-2023).

We were also recognised for continuing to provide outstanding value across Extras and Package State Awards, including:

  • Extras Insurance Award – NSW, Vic, Qld and Tas
  • Hospital & Extras Insurance Award – Vic, Qld, WA, SA, Tas and NT

We’re proud that our cover has been recognised by independent review body Canstar for meeting Australians’ needs and budgets. Just another way we’re putting our money where our members are++.

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HEALTH AND WELLBEING SUPPORT

Our industry-leading health and wellbeing programs are pretty uncommon, helping members live happier, healthier lives.

Leading Mental Health Programs

Access a range of holistic mental health and wellbeing programs providing eligible members with access to 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.

MAJOR NATIONAL PARTNERSHIP WITH THE ROYAL FLYING DOCTOR SERVICE

As Australia’s largest not-for-profit health fund, we recognise the crucial role we play in helping to make a positive health impact for our members, people and communities.

To help deliver on our social mission to build healthier communities, we’ve established a 3-year major national partnership with the Royal Flying Doctor Service. Together, we’re committed to improving healthcare access and outcomes for rural and remote communities through the delivery of essential healthcare and services to every corner of Australia.

 

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FLIP – ON-DEMAND ACCIDENTAL INJURY COVER

We want Aussies to have access to affordable, flexible protection when they need it. That's why we’ve developed Flip – our pay-as-you-go cover for accidental injuries.

Get short-term cover for you or your kids for (almost) any activity. Choose a day, week or monthly subscription, with no waiting periods or lock-in contracts. You can also get weekly accidental injury cover for selected overseas destinations^.

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Empowering women to take charge of their health

Managing good health and making informed decisions starts with the right information.

Our Women's Health Hub gives you practical information and real-life stories to take charge of your health and wellbeing, covering topics like endometriosis, fertility, mental health, fitness, sexuality, pregnancy and menopause.

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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.

 

Listen here

SAVE MONEY WITH THANK YOU

We want our members to get the most value from their health cover, which is why we created our reward and recognition program, HCF Thank You. Members can access a range of exclusive offers, discounted e-Gift cards and benefits designed to reward them choosing and sticking with us+. 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+
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HCF AND RT HEALTH STRONGER TOGETHER

We've merged with not-for-profit fund rt Health, bringing two leading mutual health funds together as one.

Ways to connect with us

USE THE APP

The My Membership app is the easiest way to stay on top of your health insurance admin.

LOG IN ONLINE

Managing your account on the go is easy with our online member services tool.

CALL US TODAY

We’re open: Mon to Fri 8am to 8pm, Sat 9am to 5pm (AEST/AEDT).
Call 13 13 34.

FIND A BRANCH

Visit your nearest branch for health insurance advice, claiming, joining and more.

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

^ Read the PDS and TMD for Flip insurance products at getflip.com.au and consider whether they’re appropriate for you. Flip Insurance is issued by HCF Life.

+ 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

++ Based on number of Canstar National and State based Health Insurance Awards from 2008 to 2023. Outstanding Value Health Insurance 8 years in a row (2016-23). Winner of the 2023 Extras Insurance Award in NSW, Vic, Qld and Tas, and the Hospital and Extras Insurance Award in Vic, Qld, WA, SA, NT and Tas.