GET UP TO 8 WEEKS FREE

  • Join by 21 April 2024 and stay with HCF on eligible cover and get up to 8 weeks free++.
  • We have the lowest average rate rise of the major health funds and have won more Canstar awards than any other health fund+.
  • And now with HCF Value Ads, our members could take over our ads. Terms and conditions apply.
Get a quote

LOWEST AVERAGE RATE RISE OF MAJORS AND UP TO 8 WEEKS FREE++

The lowest average rate rise of the major health funds and up to 8 weeks free on eligible cover when you join by 21 April 2024 and stay with HCF++.
Join now

WHY CHOOSE HCF


EVIDENCE-BASED
HEALTH PROGRAMS

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


AWARD-WINNING VALUE

We've won more Canstar Health Insurance Awards than any other insurer (2008-2023)+.


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

WANT TO TAKE OVER OUR ADS?

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

Like winning more Canstar Health Insurance Awards than any other insurer+, discounted e-gift cards on everyday essentials# and 100% back on popular extras through our No-Gap network^. Now, we’re even giving members the chance to take over our advertising.​

Simply join HCF and then email ValueAds@hcf.com.au with your HCF membership number. Tell us what you would do or say, and the ad could be yours.

Terms and conditions apply. ​

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**.

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.

VITAL EXTRAS

Affordable extras cover from $60.95 per month for singles^^^.

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

  • 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^^^^.

Important Information

* 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.

^ 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.

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.

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.

** Waiting periods apply. Flexible $650 single limit plus $175 optical limit per person per 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. Terms and conditions apply. 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.

++ To be eligible to receive the eight weeks free offer (Offer) you must be a new HCF member who joins eligible combined hospital & extras cover between 25 March 2024 00:00 ADST and 21 April 2024 23:59 AEST (Offer period). Excludes Hospital Premium Gold cover, Corporate Hospital Premium Gold and Overseas Visitors Health Cover. Your cover must start during the Offer period, and you must not have been an HCF member 2 months prior to taking out the Offer. You must pay your first months' premium and maintain your policy for 1 month, which will entitle you to have the date your policy is paid to extended by six weeks; and after 12 months from the date you join us, you will be entitled to have the date your policy is paid to extended by an additional two weeks. HCF may take up to six weeks to process each extension. Offer is not available with any other join offer.

## 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.

*** 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.

^^^ Premiums based on single cover in NSW, aged under 65, single taxable income of ≤ $93,000 per year, 24.608% Australian Government Rebate applied, and no Lifetime Health Cover loading.”

+++ 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 the Customer Service Organisation of the Year (Large) award by the Customer Service Institute of Australia 2022 and 2023.

^^^^ Year in Review: Financial Year 2021-2022.

PRIVACY COLLECTION NOTICE (HCF)

The Hospitals Contribution Fund of Australia Ltd (HCF) collects the information you submit in order to conduct the Value Ads Campaign. HCF will use this information, and may disclose this information to HCF’s marketing agency, to assess whether your submission will be used in the campaign and to contact you about the outcome. HCF's marketing agency may also contact you directly about your submission. If you do not provide this information or provide incomplete information you will be unable to participate in the campaign. HCF’s Privacy Policy explains how and for what purposes HCF collects, uses and discloses personal information, how to request access to and correction of personal information, how to complain about a privacy breach and how HCF handles complaints. 

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