PEOPLE BEFORE PROFIT
We’re proud to be part of Members Health Fund Alliance - Australia’s largest voice for not-for-profit, member-owned, regional and community-based health insurers.
We share a commitment to putting people, and their health, before profit. Working together we can advocate for a healthcare system that gives our members the value and care they expect from us.
We were voted Australia's most trusted health fund
by Roy Morgan Net Trust survey 3 years in a row.*
NOT YOUR TYPICAL HEALTH INSURER
We’re proud to be a little unusual. Here’s just a few of the ways we’re different to the other health funds:
- Get 100% back on 1 or 2 dental check-ups a year and a first visit to a physio, chiro or osteo with 20,000 extras providers in our network.
- If you have 1 child or many, the cost of your family cover stays the same. You also pay $0 excess for kids.
- Last year** 99% of our members paid nothing or a known-gap (capped at $500 per specialist) for in-hospital medical services (like surgeon’s fees). The industry average was 95%.
- And if you’re switching from another health fund, there’s no need to re-serve waiting periods for benefits previously covered. You also get a 30-day, money-back cooling off period.
Private vs Medicare
How the public system works, and what private health insurance can do for you.
Selecting a doctor or hospital
How to choose a provider that's right for you.
Moving to HCF is easy. Find out how.
Getting loyalty benefits
Enjoy higher limits on selected extras cover the longer you’re with us.
WHY SWITCH YOUR HEALTH COVER TO HCF?
*Roy Morgan Net Trust Survey 2018, 2019 and 2020
**Last financial year 2017/2018