Chat to us
XOpen navigation

YOU COULD SAVE AT TAX TIME WITH HOSPITAL COVER

  • Take out hospital cover by 30 June and you could save on tax if you’re single and earn more than $101,000 or if your family earns more than $202,000 combined per year+.
Get a quote
  1. NSW
  2. VIC
  3. QLD
  4. SA
  5. WA
  6. TAS
  7. ACT
  8. NT
  1. Under 65
  2. 65 - 69
  3. 70+
Get a quote

WHAT ARE THE BENEFITS OF HEALTH INSURANCE?

Private health insurance gives you choice, flexibility and access to a range of health services Medicare doesn’t cover. It helps fill these gaps, offering more treatment choices and lower out-of-pocket costs.

Whether you’re after comprehensive cover, or you just want to save at tax time, here’s how to find the right health insurance for your needs and budget.

Learn more

LIFE CHANGES. NOW YOUR EXTRAS CAN TOO.

Who said you can’t be extra choosy with your health insurance? With Choose My Extras, you can.

Choose 4 extras services from a selected range and swap* them as your needs change – as long as no one on the policy has claimed on them during the calendar year.

Plus, get 60% back up to the annual limit. Or, if you visit one of our 16,000 No-Gap extras providers, you could get 100% back# on some services.

Explore Choose My Extras

WHY CHOOSE HCF


EVIDENCE-BASED
HEALTH PROGRAMS

Covering your health journey, including services like free or discounted weight management programs and heart and diabetes health checks.


AWARD-WINNING VALUE

Winner of the 2024 Canstar Award for Outstanding Value Health Insurance 9 years in a row~~~~.


DISCOUNTS, OFFERS
AND BENEFITS

Our loyalty rewards program HCF Thank You can help you save on everyday essentials^.

IT'S EASY TO 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

SEE IF YOU COULD SAVE AT TAX TIME

If you or your family’s combined income is above a certain threshold, you could save on tax by taking out hospital cover. Find out how the Medicare Levy Surcharge affects you.

Learn more

OUR MEMBERS HAVE TAKEN OVER OUR ADS

At HCF, we’re always giving members more value.​

Like winning more Canstar Health Insurance Awards than any other insurer in 2024~~~~, discounted e-gift cards on everyday essentials^ and 100% back# on popular extras through our No-Gap network. And our members have even taken over our advertising.​​ Look out for their stories.

SPEND ON THE EXTRAS YOU’LL ACTUALLY USE

Flex My Extras is our affordable extras cover that flexes to your needs. You get a generous limit to use on selected extras – like physio, dental or dietetics – plus a separate optical limit and remedial massage limit~.

Join Flex My Extras and spend your limit your way.

Explore Flex My Extras

PROTECTING YOUR LOVED ONES

We created HCF Life Insurance to help in case you pass away or are diagnosed with a terminal illness^^, with up to $1.5m** in payment and extra support like grief counselling.
 
Get a quote

FLIP – ON-DEMAND ACCIDENTAL INJURY COVER

We're always finding innovative ways to protect our members. That’s why we created Flip – Australia’s first on-demand accidental injury cover that you can turn on and off at any time~~. 

Whether it’s a day, a week, a season or a race, make Flip work for you.

Explore Flip

SUPPORTING RURAL COMMUNITIES

Our support of the Royal Flying Doctor Service will help improve access to healthcare for people living in remote and regional communities.

Explore our partnership

MORE FOR OUR MEMBERS

100% BACK ON DENTAL

Get 100% back# on your annual dental check-up at dentists in our No-Gap network across Australia.

SAVE ON PET AND TRAVEL INSURANCE

Members enjoy up to 15% off Pet Insurance^^^ and 25% off Travel Insurance+++.

EXTENDED DEPENDANT COVER

Dependants stay covered on their family’s health cover until they turn 31. Additional charge may apply.

EXTRAS COVER

Use extras cover for services generally not covered by Medicare.

TOP HOSPITAL COVER WITH ACCIDENT SAFEGUARD

If you're involved in an accident, we'll upgrade you for free to our Top Hospital Cover for up to 90 days under eligible cover~~~.

CHOICE OF EXCESS

Adjust your premium by choosing from 3 different excess amounts on eligible cover.

NO WAITING PERIODS FOR THE SAME BENEFITS

If you’ve switched to HCF 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
  • you’ve served the equivalent waiting periods with your previous fund (except for hearing aids)****.
More about switching

CONTACT US

  • Service Champion award for Customer Service Organisation of the Year (Large), 2024^^^^.
  • Because we're not for profit, our health insurance experts are here to advise on the cover you actually need.
  • In 2023/24 we answered 1.1m customers calls and answered 106,000 emails and 116,000 webchats to help people with their cover++++.

Important Information

~~~~ Outstanding Value Health Insurance Award 9 years in a row (2016-24). Winner of the 2024 Outstanding Value Health Insurance Award, Hospital Insurance Award in WA, SA and Qld and Hospital and Extras Insurance Award in Tas, Vic and WA.

++ 88.8% compared to 85.3% across the industry. Calculated based on the average of the past 10 years, sourced from APRA Statistics: Private Health Insurance Operations Reports 2014-23 and Quarterly private health insurance statistics July 2023 – March 2024

# 100% back through our No-Gap network is available on selected covers. Waiting periods and annual limits apply. Our network of healthcare providers change often. Please check that your provider is part of our network before you book or attend an appointment.

* The policyholder can swap out a service for another service at any time provided that no one on the policy has claimed on that service during the calendar year. If the policyholder swaps in teeth whitening, major dental, orthodontics or minor podiatric procedures, a 12-month waiting period will apply from the date of the swap.

^ 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. Offers and partners are subject to change without advance notice. See HCF Thank You Terms and Conditions.

+ If you earn above these income thresholds, you may need to pay the Medicare Levy Surcharge. The Medicare Levy Surcharge is an additional tax on top of the Medicare Levy for Australian taxpayers who are high-income earners and do not have private hospital cover.

~ Waiting periods apply. Flexible $650 single limit plus $175 optical limit and $100 remedial massage limit per person per calendar year.

^^ Less than 24 months’ life expectancy. Subject to terms and conditions, exclusions, limitations and definitions. Please refer to the PDS and Policy Document for further information.

** This is the maximum benefit amount depending on your age and level of cover. Premiums will vary depending on age, gender, smoking status, level of cover, any applicable inflation increases and discounts and your health and lifestyle assessment.

~~ Read the PDS and TMD for Flip insurance products at getflip.com.au and consider whether they’re appropriate for you. Flip Insurance is issued by HCF Life.

^^^ All HCF members are eligible for a member discount of at least 10% on HCF Pet Insurance. HCF Ruby and Diamond members get a 15% discount. Existing Manchester Unity Pet Insurance policies are not eligible for discounts under HCF Thank You. Visit the HCF Thank You page for further information. Where relevant, increased discount will be applied automatically at first renewal after advancement in HCF Thank You tier. To be eligible for the discount members need to have the HCF My Membership app or online member services set up. This offer may be subject to change.

HCF Pet Insurance policies entered into for the first time prior to 21 March 2024 and subsequent renewals of those policies are issued by The Hollard Insurance Company Pty Ltd ABN 78 090 584 473, AFSL 241436, arranged and administered by PetSure (Australia) Pty Ltd ABN 95 075 949 923, AFSL 420183 (PetSure) and promoted and distributed by The Hospitals Contribution Fund of Australia Ltd ABN 68 000 026 746, AFSL 241414 (HCF). HCF Pet Insurance policies entered into for the first time on or after 21 March 2024 and subsequent renewals of those policies are issued by PetSure and promoted and distributed by HCF. Any advice provided is general only and does not take into account your individual objectives, financial situation or needs. Please consider the Product Disclosure Statement (PDS) to ensure this product meets your needs before purchasing, or choosing to continue with the product. PDS and Target Market Determination available at hcf.com.au/petinsurance.

HCF Pet Insurance is not part of HCF's health insurance business. Please do not assume that pet insurance and health insurance are similar.HCF may receive a commission of up to 13% of the premium for promoting HCF Pet Insurance Policies. HCF sales agents are paid a salary or wages but do not receive a commission or other payments attributable to the sale of HCF Pet Insurance. For more information, contact HCF on 1800 630 681 or petinsurance@hcf.com.au.

Manchester Unity Pet Insurance is issued by The Hollard Insurance Company Pty Ltd ABN 78 090 584 473; AFSL 241436, is distributed by The Hospitals Contribution Fund of Australia Limited ABN 68 000 026 746, AFSL 241414, and arranged and administered by PetSure (Australia) Pty Ltd ABN 95 075 949 923, AFSL 420183. Manchester Unity Pet Insurance is closed to new customers and is only available for renewal by existing customers. Manchester Unity Pet Insurance is not part of HCF's health insurance business. Please do not assume that pet insurance and health insurance are similar. Any advice provided is general only and does not take into account your individual objectives, financial situation or needs. Please consider the Product Disclosure Statement (PDS) and Target Market Determination (TMD) to ensure this product meets your needs before you renew your cover. Manchester Unity Pet Insurance PDS and TMD available at hcf.com.au/petinsurance.

+++ To access the discount code, log in to the My Membership app or online member services and go to the travel section of the HCF Thank You page to find the code. 25% discount applies to new policy purchases and is based on standard premium rates (including optional covers). It applies automatically upon successful input of the discount code and applies to any changes, upgrades or amendments made to the policy prior to commencement of the journey. The discount may apply to changes made after commencement of the journey. Contact Allianz Global Assistance to find out more. Cannot be used in conjunction with, or in addition to any other discounts. No additional discounts will be provided to members who already receive a member discount. Please contact us for more information.

The Hospitals Contribution Fund of Australia Ltd ABN 68 000 026 746 AFSL 241414 (HCF) arranges this insurance as agent for AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 trading as Allianz Global Assistance (AGA). AGA arranges and manages travel insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz). Terms, conditions, exclusions, limits and applicable sub-limits apply. HCF, Allianz and AGA do not provide any advice on this insurance based on any consideration of your objectives, financial situation or needs. Because of that, you should consider whether the advice is appropriate for you. Before making a decision please consider the Product Disclosure Statement, the Financial Services Guide and Target Market Determination (TMD). The TMD is available at allianzpartners.com.au/policies. If you purchase a policy, HCF and AGA receive a commission which is a percentage of your premium - ask us for more details before we provide you with services.

~~~ Must visit the emergency department within 24 hours of the accident. Excludes Accident Only Basic and My Future and Future Care covers. Conditions apply. See Accident Safeguard for more information.

**** 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. When you switch funds, you can’t transfer any loyalty rewards, including increased limits. If you joined HCF during a special offer, some waiting periods might be waived. This excludes hearing aids as there is a 12-month waiting period from the date you join us. Get in touch with us to check which waiting periods may apply.

^^^^ Awarded Service Champion award for Customer Service Organisation of the Year (Large), 2024.

++++ Year in Review: Financial Year 2023-2024.

LIFE INSURANCE CODE OF PRACTICE

HCF Life is bound by the Life Insurance Code of Practice which sets out the Australian life insurance industry’s key commitments and obligations to customers. Further information is available at CALI Life Insurance Code of Practice.

Please read the relevant Product Disclosure Statement, Policy Document and Financial Services Guide available by calling 1800 560 855 or visiting hcf.com.au/lifeinfo, and consider your financial situation, objectives, and needs before deciding on these products as any advice provided does not take these into account. In addition to these documents, you should also read the Target Market Determination (TMD) for the product, which is available at hcf.com.au/lifeinfo. Our Recover Cover products are issued by our own HCF Life Insurance Company Pty Ltd. ABN 37 001 831 250, AFSL 236 806 (HCF Life). HCF Life is a wholly owned subsidiary of The Hospitals Contribution Fund of Australia Limited ABN 68 000 026 746, AFSL 241 414 (HCF). The premiums for Recover Cover products are paid to HCF Life. HCF receives commission from HCF Life for their sale of up to 40% of the first year’s premium plus an additional commission of 80% of HCF Life’s underwriting profit each year calculated as premiums less claims and expenses. HCF’s staff may receive an incentive depending on the annual premium of these products which they sell. This will not exceed 15% of the first year’s premium.

HCF acknowledges the traditional custodians of the lands and water upon which we work and live. We acknowledge Aboriginal and Torres Strait Islander peoples’ rich history as traditional healers and scientists, who have taken care of the health of the land and its people for thousands of years. We give thanks to elders past and present, who we have much to learn from on our reconciliation journey. View our Reconciliation Action Plan