HCF benefits

Important Information

^* 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. See hcf.com.au/100back

^{^} 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.

⁺ Eligibility criteria applies. For more information see hcf.com.au/health-insurance/health-programs

^# 88.7% for HCF and 84.4% industry average. Calculated based on the average of the past 10 years, sourced from APRA Statistics: Operations of Private Health Insurers Annual Report data 2015–24 and Quarterly private health insurance statistics July 2024–June 2025.

^~ Eligibility criteria apply. For more information see hcf.com.au/thank-you-app

^~~ Must have at least 20 HCF dollars in cleared funds. Only members who pay their premiums by credit card or direct debit can use their HCF dollars to reduce premiums.

^** Sourced from HCF Year in Review Financial Year 2022-23.

^{^^} Based on discounts available through HCF partners (Aug 2023) and average category spend from ABS Household Expenditure Survey, Australia (2017).

⁺⁺ 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.

^## Terms and conditions apply. Excludes pharmacist only medicine (Schedule 3 medicines) and prescription only medicine. Discount applicable off current in store price. Must show HCF membership card to staff and scan better rewards card upon checkout to claim discount.

^*** Subject to member location, hospital cover and clinical eligibility. Waiting periods may apply. You must have a suitable home environment to be treated in.

^{^^^} Eligibility criteria applies. For more information see hcf.com.au/victorchang

⁺⁺⁺ Our Life and 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 241414 (HCF). 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. 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.

^### Eligible members can get a free MoleMap skin check at selected HCF Centres and MoleMap clinics on set dates throughout the year. Must have hospital cover and be aged 18 or over. Excludes extras only, Ambulance Only, Accident Only Basic and Overseas Visitors Health Cover. Appointments are limited.

^~~~ HCF members who have held eligible cover for at least 1 week and are up to date with their premiums can save 5% on HCF Home, Landlord and Car Insurance. For this offer, eligible cover includes all Hospital and Extras products, plus selected Life and Recover Cover products (see HCF Thank You terms and conditions for the full list) and excludes Overseas Visitor Health Cover and Ambulance Only Cover. To redeem the discount HCF members must have the HCF My Membership app or online member services set up, and be logged in when you quote and buy a new HCF Home, Landlord and/or Car Insurance policy online via the HCF Thank You webpage.

The discount will be applied to standard premiums (including for optional covers except for Domestic Worker's Compensation if available and selected for HCF Home Insurance and Landlord Worker's Compensation if available and selected for HCF Landlord Insurance, noting that both optional covers will no longer be available from 21 December 2025) after all other eligible discounts, to the extent that any minimum premium is not reached (noting that if you are eligible for more than one discount, we apply each of them in a predetermined order to the premium as reduced by any prior applied discounts/entitlements). The discount does not apply to taxes and government charges. The discount will continue to apply automatically in the event the policy is renewed, while this offer continues.

Pet

^**** HCF members who have held eligible cover for at least 1 week (consecutive) and are up to date with their premiums can get a discount of 12% on HCF Happy Tails Cover Pet Insurance policies issued from 03/07/2026 and their subsequent renewals (Discount). For this Discount, “eligible cover” includes all Hospital and Extras products, plus selected Life and Recover Cover products (full list available here) and excludes Overseas Visitor Health Cover and Ambulance Only Cover. The Discount does not apply to Manchester Unity Pet Insurance policies. To redeem the Discount, HCF members must have registered on the HCF My Membership app or through online member services before they quote and buy a new HCF Pet Insurance policy online via the HCF Pet Insurance webpage. The Discount will be applied to standard premiums (including for optional covers), before adding fees, taxes and government charges, noting that if the HCF member is eligible for more than one discount, we apply each of them in a predetermined order to the premium as reduced by any prior applied discount. The Discount will continue to apply for HCF eligible members automatically in the event the policy is renewed, while this offer continues. HCF members who bought a HCF Pet Insurance policy before this Discount or any previous HCF Pet Insurance member discount applied, or before they had held eligible cover for at least 1 week (consecutive), can redeem the Discount (which will be applied on subsequent renewals) by registering on the HCF My Membership app or through online member services and contacting PetSure on 1800 630 681. This Discount may be subject to change at any time, without notice. Any previous member discount percentage applicable to HCF Pet Insurance policies issued prior to this date will continue to apply unchanged to renewals of those policies on and after 03/07/2026.

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 13 13 34.

Travel

^{^^^^} HCF members who have held eligible cover for at least 1 week and are up to date with their premiums can receive a 25% discount on HCF Travel Insurance. For this offer, eligible cover includes all Hospital and Extras products, plus selected Life and Recover Cover products (see HCF Thank You terms and conditions for the full list) and excludes Overseas Visitor Health Cover and Ambulance Only Cover. 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.

Home and Contents

The Hospitals Contribution Fund of Australia Ltd ABN 68 000 026 746 AFSL 241414 (HCF) arranges this insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 234708. We do not provide any advice based on any consideration of your objectives, financial situation or needs. Policy terms, conditions, limits and exclusions apply. Before making a decision, please consider the relevant Home and Contents Insurance Product Disclosure Statement (PDS), any applicable supplementary PDS, the Home Buildings or Home Contents Key Fact Sheets and the Financial Services Guide. The relevant Target Market Determination is available by calling 1300 657 046. If you purchase this insurance, we will receive a commission of up to 5% of the premium for each policy issued or renewed, and we may also receive a share of up to 40% of the underwriting profit. Ask us for more details before we provide you with services.

Car

The Hospitals Contribution Fund of Australia Ltd ABN 68 000 026 746 AFSL 241414 (HCF) arranges this insurance as an agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 234708. We do not provide any advice based on any consideration of your objectives, financial situation or needs. Policy terms, conditions, limits and exclusions apply. Before making a decision, please consider the Motor Insurance Product Disclosure Statement (PDS), any applicable supplementary PDS and the Financial Services Guide. The relevant Target Market Determination is available by calling 1300 657 046. If you purchase this insurance, we will receive a commission of up to 5% of the premium for each policy issued and renewed and may also receive a share of up to 40% of the underwriting profit. Ask us for more details before we provide you with services.

Landlord

The Hospitals Contribution Fund of Australia Ltd ABN 68 000 026 746 AFSL 241414 (HCF) arranges this insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 234708. We do not provide any advice based on any consideration of your objectives, financial situation or needs. Policy terms, conditions, limits and exclusions apply. Before making a decision, please consider the relevant Landlord Insurance Product Disclosure Statement (PDS), any applicable supplementary PDS, the Landlord Buildings or Landlord Contents Key Facts Sheets and the Financial Services Guide. The relevant Target Market Determination is available by calling 1300 657 046. If you purchase this insurance, we will receive a commission of up to 5% of the premium for each policy issued and renewed and we may also receive a share of up to 40% of the underwriting profit. Ask us for more details before we provide you with services.