WANT TO TAKE OVER OUR ADS?

At HCF, we’re always giving members more value.​

Like winning more Canstar Health Insurance Awards than any other insurer+, discounted e-gift cards on everyday essentials# and 100% back on popular extras through our No-Gap network^. Now, we’re even giving members the chance to take over our advertising.​

Simply email ValueAds@hcf.com.au with your HCF membership number. Tell us what you would do or say, and the ad could be yours.

Terms and conditions apply. ​

GET A GIFT CARD VALUED UP TO $150 WITH HCF HOME INSURANCE**

As an HCF member, you can get a Visa e-Gift card valued between $50 and $150, depending on your HCF Thank You program tier, when you quote and buy HCF Home Insurance## online with our promo code**.

Offer available until 11.59pm AEST 12 September 2024.

Learn more

GET A GIFT CARD VALUED UP TO $150 WITH HCF CAR INSURANCE**

As an HCF member, you can get a Visa e-Gift card valued between $50 and $150, depending on your HCF Thank You program tier, when you quote and buy HCF Comprehensive Motor Insurance## online with our promo code**.

Offer available until 11.59pm AEST 12 September 2024.

Learn more

LOWEST ANNUAL RATE INCREASE OF THE MAJOR HEALTH FUNDS

As Australia’s largest not-for-profit health fund, we’re focused on keeping health cover affordable and accessible for our members. That’s why we’re delivering the lowest rate increase among the major health funds.

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YOUR HEALTH PARTNER IN YOUR POCKET

The My Membership app takes the hassle out of health cover with fast claims on the go​, payment flexibility and no-fuss cover review.

Download from the App Store or Google Play

Learn more about the app

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.

 

Learn more

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^.

Explore Flip

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.

Explore now

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+
Log in to online member services

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

** To access the promotion code and to confirm the value of the ACTIV Visa e-Gift card you are eligible for, log in to the My Membership app or online member services and go to the insurance section of the HCF Thank You page. This promotion will run from 17 July 2024 12.01am AEST until 12 September 2024 11.59pm AEST (Promotion Period). The promotion is only available to HCF members and applies when you quote and buy a new Home Insurance policy and/or a new Comprehensive Motor Insurance policy online during the Promotion Period and successfully input the code, provided the policy is not cancelled before the ACTIV Visa e-Gift card is distributed. The value of the ACTIV Visa e-Gift card you are eligible for is based on your HCF Thank You Membership Tier. The ACTIV Visa e-Gift card will be provided by Digital Glue Australia Pty Ltd (ACN 127 466 899) on behalf of HCF. HCF reserves the right to change, remove or amend partners and offers without providing written notice. HCF Thank You program terms and conditions and HCF Home and Motor Insurance Campaign terms and conditions apply.

## The Hospitals Contribution Fund of Australia Ltd ABN 68 000 026 746 AFSL 241414 (HCF) arranges Home and Contents Insurance and Motor Insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 234708 (Allianz).

HCF and Allianz do not provide any advice based on any consideration of your objectives, financial situation or needs. Policy terms, conditions, limits, applicable sub-limits and exclusions apply. Before making a decision:

If you purchase a policy of Home and Contents Insurance or Motor Insurance, HCF will receive a commission of up to 10% of the premium for each policy issued and renewed and may also receive a share of up to 40% of the underwriting profit. Ask us for more details before we provide you with services.

* 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.

^^ 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.

+++ The Hospitals Contribution Fund of Australia Ltd ABN 68 000 026 746 AFSL 241414 (HCF) arranges this insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz). Travel insurance is issued and managed by AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 trading as Allianz Global Assistance (AGA) for the insurer Allianz. Terms, conditions, exclusions, limits and applicable sub-limits apply. HCF, Allianz and AGA do not provide any advice on this insurance based on any consideration of your objectives, financial situation or needs. Because of that, you should consider whether the advice is appropriate for you. Before making a decision please consider the Product Disclosure Statement, the Financial Services Guide and Target Market Determination (TMD). The TMD is available at allianzpartners.com.au/policies. If you purchase a policy, HCF and AGA receive a commission which is a percentage of your premium - ask us for more details before we provide you with services.

PRIVACY COLLECTION NOTICE (HCF)

The Hospitals Contribution Fund of Australia Ltd (HCF) collects the information you submit in order to conduct the Value Ads Campaign. HCF will use this information, and may disclose this information to HCF’s marketing agency, to assess whether your submission will be used in the campaign and to contact you about the outcome. HCF's marketing agency may also contact you directly about your submission. If you do not provide this information or provide incomplete information you will be unable to participate in the campaign. HCF’s Privacy Policy explains how and for what purposes HCF collects, uses and discloses personal information, how to request access to and correction of personal information, how to complain about a privacy breach and how HCF handles complaints. The HCF Privacy Policy is available online.