When it comes to healthcare, people want to know they’ll be genuinely cared for in their time of need. There’s care – and then there’s Uncommon Care. HCF members get:

  • More benefits back for every dollar paid in premiums than the industry average^
  • Access to free skin checks by a Melanographer for early skin cancer detection+
  • Peace of mind that HCF is Australia’s most-trusted^ health fund

Find more reasons to join HCF


Use our app to claim for extras, check your remaining limits, update your cover details and much more.

Travel insurance

Planning a trip? HCF has got you covered. Choose from three plans that cover international and domestic travel.

Access medical resources

Heart checks, hospital stats, procedure guides and more.

Manage your health

Programs and resources to set you up for a healthier future.

HCF members can
save up to 15%
on pet insurance **


Weight loss programs for members with type 2 diabetes, heart conditions or osteoarthritis.

  • Meal replacement weight loss programs
  • Online tracking to chart your progress
  • Personal phone and email support


We know it can be hard to make time to manage your health. That's why we’ve partnered with GP2U, a convenient online GP service.

Online GP consultations can’t be claimed from Medicare or private health funds, but HCF members get a discount on GP2U’s standard rates (which start at $69 for 15 minutes).


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:

  • 25% off travel insurance
  • Up to half-price movie tickets
  • 15% off gym memberships
  • Up to 50% off with HelloFresh
Log in to online member services

*You can access HCF Thank You offers after you’ve been a member for a month and provided your health insurance policy payments are up to date.

**Please note that HCF Pet Insurance and HCF Travel Insurance are general insurance products and are not part of the health insurance business of The Hospitals Contribution Fund of Australia Limited ABN 68 000 026 746 AFSL 241414 (HCF). HCF Pet Insurance is issued by The Hollard Insurance Company Pty Ltd AFSL 241436, distributed and promoted by HCF, and administered by Petsure (Australia) Pty Ltd AFSL 420183. HCF Travel Insurance is issued and managed by AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631, trading as Allianz Global Assistance, as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 23708 (Allianz). HCF arranges this insurance as agent for Allianz.

We do not provide any advice based on any consideration of your objectives, financial situation or needs. Terms, conditions, limits, and exclusions apply. Before making a decision, please consider the relevant Product Disclosure Statement and  Financial Services Guide available at and If you purchase either of these insurances, HCF will receive a commission that is a percentage of the premium. Please contact us if you would like further details.

^HCF's Financial Year in Review 2018-19.

+Skin checks available at participating branches on selected dates. Visit