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+
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MOST CANSTAR AWARDED HEALTH FUND

Proud winner of 11 Canstar Health Insurance Awards in 2023, including Outstanding Value Health Insurance 8 years in a row++++.

 

AWARD-WINNING CUSTOMER SERVICE

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).

 

HCF
GOOD CHOICE

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.

INTRODUCING FLEX MY EXTRAS

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.

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NO EXCESS FOR KIDS

Pay $0 excess for kids aged under 25 on your family cover no matter how many times they go to hospital+.
 
Read more about family cover

100% BACK ON DENTAL CHECK-UPS AND POPULAR EXTRAS

100% back^ on on popular extras like dental and physio through our No-Gap provider network.
Find a provider

MANAGE BIG FEELINGS WITH CALM KID CENTRAL

HCF members with hospital or extras cover have access to Calm Kid Central++, an online program helping kids aged 4 to 11 manage their big feelings.
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KIDS ACCIDENT COVER

Bumps, scrapes, breaks and stitches are all part of growing up. Get cash to help when accidents happen##.
Explore kids accident cover

TAX TIME SAVINGS WITH HOSPITAL COVER

Taking out hospital cover could help you save on tax if your family earns more than $186,000 combined.
 
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SUPPORT FOR YOUR FAMILY

With the help of HCF's Health Agenda online family hub, get practical advice on how to support yourself and your family on life's journey, whatever stage you’re at.
 
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WE LIKE TO SAY THANK YOU

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.

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CELEBRATING 90 YEARS OF UNCOMMON CARE

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.

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Easily Switch to HCF

STEP 1

Choose the cover that works for you

 

STEP 2

Complete your quote and application


Switch now

STEP 3

We’ll do the rest, including contacting your current provider

NO WAITING PERIODS FOR THE SAME BENEFITS

If you’ve switched from another health fund, you may not need to serve waiting periods, if:

  • your HCF cover includes the same level of benefits and services as your previous cover; and
  • you’ve served the equivalent waiting periods with your previous fund (except for hearing aids).

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’.

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  • Customer Service Organisation of the Year (Large) Award for the second year running.#
  • Because we're not for profit, our health insurance experts are here to advise on the cover you actually need.
  • In 2021 to 2022 we answered 1.1m customers calls and answered 110,640 emails to help people with their health cover.+++

13 13 34 Find a branch

Important Information

* 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.

+++ Year in Review: Financial Year 2021-2022

++++ 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.