Say goodbye to waiting periods
- We're waiving waiting periods on most extras when you join hospital and extras cover before 30 June##
- Canstar’s Outstanding Value Health Insurance 2016-2021~~
- Freezing premiums at current rates until 1 November 2022
100% BACK ON SELECTED DENTAL
100% back on selected dental services, like scale and clean, annual check-ups and mouthguards through our no-gap provider network^.
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UNIQUE MENTAL HEALTH SERVICES
Access a range of unique mental health services and programs including video and online support~.
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100% BACK ON SELECTED EXTRAS
100% back on your first physio, chiro or osteo visit with our no-gap provider network^.
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HEALTH COVER FOR ALL FAMILIES
Trust us to support the changing healthcare needs of your family with;
- no change to the cost of your cover if you add kids to your policy#
- no excess payment if your child goes to hospital>
- access to our antenatal and postnatal group physio>>>
- online childbirth education courses for eligible members>>.
CALL OUR TEAM OF EXPERTS
- Customer Service Institute Award for 9 years==
- Because we're not for profit, our health insurance experts are here to advise based on the cover you actually need
- We answer 3,000 calls a day helping people with their health cover questions++
Important Information
##2 month waiting period waiver terms and conditions
To be eligible to receive the 2 month waiting period waiver offer (Offer) you must be a new HCF member who joins hospital and extras cover (excludes Overseas Visitors Health Cover) before 11.59pm on 30 June 2022 and the policy commences before that time. This Offer cannot be taken up by existing HCF customers. For members eligible for this Offer, HCF will not apply a waiting period for any extras services that ordinarily have a 2 month waiting period. HCF will continue to apply waiting periods on extras that are longer than 2 months and waiting periods on hospital treatment. If HCF recognises waiting periods you've already served with your current fund for the extras services, the Offer may not be of benefit you. Benefits used with your current fund will count towards your annual limit under your new HCF policy.
~~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 hcf.com.au/100back.
*Excludes Accident Only Basic cover and Overseas Visitors Health Cover.
~Eligibility criteria applies. Visit hcf.com.au/Campaigns/online-mental-health-services for more information.
#Applies to kids under 22. Excludes Accident Only cover.
>Excludes Accident Only Basic cover and My Future Cover.
>>A 2 month waiting period applies and depends on annual limits. Before you start any program, check you’re on eligible cover and the provider of the program is recognised by us. If you’re unsure, call 13 13 34 or visit a branch.
>>>Applicable on eligible products and with a family cover.
++Uncommon Care in Uncertain Times: Financial Year 2019-2020.
==Recognized by the customer service institute 9 years 2012 - 2020.