GREAT VALUE HEALTH COVER
We believe your health should be not for profit. This is why we’re focused on providing great value health insurance to our members, rather than profits for shareholders.
There are many ways we can help you to look after your health, here are just a few.
MANAGE THE COST OF YOUR COVER
- Of all the big health insurers, HCF had the lowest average premium increase 2 years in a row.
- We also offer flexible excess options.* (The excess is the amount you contribute if you have planned hospital treatment.)
- And you won't pay an excess if you need hospital treatment after an accident.*
- If you're retrenched from your job, HCF will pay your premiums for up to 6 months.#
- For every dollar our members spend on premiums, we give more value back than the industry average.
BENEFIT FROM OUR NETWORK
- Visit a HCF Dental Centre or More for Teeth provider to get 100% back on a dental check up and clean.^
- You could also get up to 100% back on glasses through our More for Eyes network.^
- As a HCF member, you'll get access to a growing range of exclusive offers and rewards from our partners.
Types of cover
HOSPITAL
Hospital cover means you’re likely to receive hospital treatment sooner and have a greater chance of choosing your doctor. You’ll also be covered for emergency ambulance.
Extras
Extras cover allows you to claim for a range of day-to-day services such as selected dental treatment, glasses, physio and a range of therapies not covered by Medicare.
HOSPITAL + EXTRAS
A combined hospital and extras package means you’ll get more support if you’re sick or injured.
Important information
* Excludes accident only cover.
# Eligible HCF members only. Refer to the application for eligibility and conditions.
^ Only at HCF Dental Centres. Subject to annual limits. Waiting periods may apply to new members.
# Eligible HCF members only. Refer to the application for eligibility and conditions.
^ Only at HCF Dental Centres. Subject to annual limits. Waiting periods may apply to new members.