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.

Learn more

Award-winning Value

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.


In our fourth and most recent season, Growing Great Tweens, host Dylan Lewis tackles issues faced by many families, from raising mentally strong kids and staying connected, to navigating the online universe and tackling identity and belonging with your tweens.

Listen here


If you’re headed to the snow in Australia or New Zealand you can get extra peace of mind with Flip’s on-demand accidental injury insurance~~. You can flip it on for only the days or weeks you need and book it 3 months ahead.

HCF members can try HCF-backed Flip Insurance for just $5 a week, with a payout of up to $20,000 if you’re injured (depending on your injury). Use checkout code SNOW5. Cancel anytime before the free trial ends if you don't want to be charged $9 a week.

Get Flip

HCF's My Membership 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


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.


Head over to our Contact Us page and complete the form to send us an email.


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.


Managing your account on the go is easy with our Online Member Services tool.


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*

*Debit and Credit Card payments only. 1% surcharge applies.

Log in to online member services


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.


When it comes to healthcare, people want to know they’ll be genuinely cared for in their time of need. Give your staff the support they need with quality, high value healthcare. With HCF, get access to exclusive corporate products, benefits and health programs to help keep your staff healthy all year round.

Important Information

#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

~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.

^^Get your cash payment when your claim is approved.

++Excludes Overseas Visitors Health Cover. 

##Service is available free to all members who are financial with hospital and/or extras products for a limited time that ends 31 December 2022. Excludes Ambulance Only, Accident Only and Overseas Visitors Health Cover. 

~~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 action. It’s important to read the Promo TermsProduct Disclosure Statement and Financial Services Guide and Target Market Determination before signing up, 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.