WE PUT OUR MONEY WHERE OUR MEMBERS ARE
- An average of nearly 90c back on every dollar spent on premiums*
- 100% back^ on dental and other popular extras through our No-Gap network
- $0 to add kids to your family cover+
Proud winner of 11 Canstar Health Insurance Awards in 2023, including Outstanding Value Health Insurance 8 years in a row++++.
We've been awarded the Customer Service Organisation of the Year (Large) award by the Customer Service Institute of Australia for the second year running (2022 and 2023).
With HCF Good Choice, you get 30 days from sign up to change your mind ** as well as discounts on everything from groceries to movies^^, life insurance to pet insurance.
Health insurance doesn't have to be complicated. That’s where Flex My Extras comes in. It’s basic extras cover with a single limit plus an additional optical limit~~ that helps you get more back on the extras you’ll actually use.
Join Flex My Extras and spend your limit your way.
You don’t have to be unwell to get great value from your cover with our exclusive range of loyalty offers and rewards which could save you an average of over $1000 a year***. The longer you stay with us, the more ways we say thank you.
For 90 years, Aussies have been trusting HCF with their health and wellbeing, and we’ve invested in their lives, providing quality cover and healthcare that’s right for them. Learn about our rich 90 year history and our commitment to putting the health of our members first.
If you’ve switched from another health fund, you may not need to serve waiting periods, if:
To avoid serving waiting periods again when switching between funds, you’ll need to have switched from another Australian registered health insurer or an international health insurer belonging to the International Federation of Health Plans, and to have joined within 1 month of ending your previous membership. These rules also apply if you’ve switched from another HCF product.
Unfortunately, when you switch funds, you can’t transfer over any loyalty rewards, including increased limits. If you joined HCF during a special offer, some waiting periods might be waived. Get in touch with us to check which waiting periods may apply. To see what waiting periods apply for different services log in to online member services to find your Product Summary under ‘Cover details’.
* 89.2% compared to 85.6% across the industry. Calculated based on the average of the past 10 years, sourced from APRA Statistics: Private Health Insurance Operations Reports 2014-23.
^100% back through More for You providers in our No-Gap network is available on selected covers. Waiting periods and annual limits apply. Providers are subject to change. We recommend that you confirm the provider prior to your appointment. See hcf.com.au/100back
+ Applies to kids under 22. Excludes Accident Only cover
# Awarded the Customer Service Organisation of the Year (Large) award by the Customer Service Institute of Australia 2022 and 2023.
** Available if you change your mind and cancel your HCF policy within 30 days of joining, and haven't made a claim in that period.
^^ Discount applies to e-gift card for groceries and movies.
~~ Waiting periods apply. Flexible $650 single limit plus $175 optical limit per person per year.
++ Eligibility criteria applies. Visit hcf.com.au/Campaigns/online-mental-health-services for more information.
## Recover Cover products are issued by HCF Life, consider the relevant PDS and TMD available at hcf.com.au/lifeinfo.
*** Based on average household spend according to the ABS (2017) Household Expenditure Survey using discounted e-Gift cards. Please note e-Gift cards can only be purchased by debit and credit payments and a 1% surcharge applies. Eligibility criteria applies. You can access HCF Thank You offers after you’ve been a member for a week, and if your premiums are up to date. Excludes Ambulance Only and Overseas Visitors Health Cover.
++++ Based on number of Canstar National and State based Health Insurance Awards from 2008 to 2023. Outstanding Value Health Insurance 8 years in a row (2016-23). Winner of the 2023 Extras Insurance Award in NSW, Vic, Qld and Tas, and the Hospital and Extras Insurance Award in Vic, Qld, WA, SA, NT and Tas.