UNCOMMON CAREWHEN YOU NEED IT MOST

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PUTTING PEOPLE BEFORE PROFIT

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. As Australia’s largest not-for-profit health insurer, our members get more benefits* back for every dollar paid in premiums than the industry average and the peace of mind that HCF is Australia’s most-trusted^ health fund.

MENTAL HEALTH CARE

We’re leading the way with unique mental health programs## that ensure members get the right support and treatment – no matter where you are on your mental health journey.

100% BACK ON SOME EXTRAS

Get 100% back on 1 or 2 dental check-ups a year and a first visit to a physio, chiro or osteo with 19,000 extras providers in our network#.

CHANGE YOUR RELATIONSHIP WITH ALCOHOL

We connect members who want to change their relationship with alcohol, with a supportive online community and trained health coaches.

FREE ACCIDENT UPGRADE

If you're involved in an accident, we'll upgrade you for free to our Top Hospital Cover for up to 90 days. Making the unexpected situations in life a little easier to deal with^^.

CALL OUR TEAM FOR EXPERT ADVICE

Our Customer Care team answer 3,000 calls a day** on average helping people with their health cover questions. And we've being awarded Customer Service Institute Awards eight years in a row+.
 
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TRY HCF FOR 30 DAYS

When you join HCF, you’ll have a 30 day cooling off period++ because we want you to be happy with the health cover you’ve chosen.

AWARD-WINNING SERVICE

Run by Aussies, for Aussies – those born here and those who’ve decided to call it home. We’re here to help you with award-winning call centres and branches.

SWITCH AT ANY TIME

Switch health insurers any time of year. You’re always free to shop around and look for a new fund. And because we're not-for-profit, we put your needs first.

WE'RE RIGHT FOR YOU

We're proud to be recognised as Australia's number 1 most-trusted private health insurer, 2 years running^.
 
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WHAT UNCOMMON CARE MEANS TO OUR MEMBERS

$6.7m
PAID TO MEMBERS ON AVERAGE IN CLAIMS EVERY SINGLE DAY
1,640
HOSPITAL ADMISSIONS ARE COVERED BY HCF ON A DAILY BASIS
254,000
HCF MEMBERS USE A NO OR KNOWN-GAP PROVIDER FOR THEIR HOSPITAL TREATMENT
23,600
EXTRAS SERVICES SUCH AS OPTICAL, DENTAL OR PHYSIO ARE COVERED EACH DAY

READY TO JOIN AUSTRALIA'S LARGEST NOT-FOR-PROFIT HEALTH FUND? START GETTING VALUE FROM YOUR HEALTH COVER

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Important Information

*2019 Year in Review

^Roy Morgan Net Trust Survey 2018 & 2019

#Depends on your level of cover and annual limits.

^^Excludes Accident Only Basic cover. Conditions apply.

**Based on an annual total averaged across 365 days a year (HCF Year in Review – Financial Review 2019)

+CSIA: Recognised 8 years consecutively since 2012.

##HCF leads the way in mental health care by providing members access to a unique mental health program. This is substantiated through market analysis which shows that HCF's program is uncommon in the way that it connects its members to a wider range of mental health services, giving its members greater flexibility and choice. Furthermore, the market analysis shows that the HCF mental health program helps members navigate the public and private mental health services available.

++If you change your mind and cancel your HCF policy within 30 days of joining, you’ll receive your money back if you haven't made a claim in that period.