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Important Information

^~ 88.8% compared to 85.3% across the industry. Calculated based on the average of the past 10 years, sourced from APRA Statistics: Operations of Private Health Insurers Annual Report data 2014–23 and Quarterly private health insurance statistics July 2023–March 2024.

^{^} Sourced from HCF Year in Review Financial Year 2023-24.

⁺ Based on Roy Morgan’s Risk Monitor Survey for the 12 months to June 2025. 

^{^^} 100% back at More for You program providers in our No-Gap network is available on selected covers. Waiting periods and annual limits apply. Our No-Gap network of healthcare providers changes often. Please check that your provider is part of our No-Gap network before you book or attend an appointment. See hcf.com.au/100back

⁺⁺ Eligibility criteria apply. For more information see hcf.com.au/victorchang

^## Android and Apple users with a supported device can scan the QR code on their digital card at providers with HICAPS Trinity payment terminals. Android users can also use tap-and-go (NFC) at providers with HICAPS VX, HICAPS Trinity or CommBank Smart Health payment terminals. Supported Apple devices run at least iOS 13. Supported Android devices run at least Android 8.

^*** 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.

⁺⁺⁺ Eligibility criteria apply. For more information see hcf.com.au/healthful

^* Australian Government Rebate has been applied if you selected an income level less than $158,001 for single or less than $316,001 for family. Price excludes any Lifetime Health Cover loading.

^~~ 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.

^~~~ Winner of Canstar’s Outstanding Value Award for Health Insurance 10 years in a row (2016 to 2025).

TRAVEL

^# Overseas medical cover not available under domestic and non-medical travel insurance policies. Terms, conditions, exclusions, limits and applicable sub limits apply.

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.

PET

^** Policy conditions, terms, limits, exclusions, excesses and waiting periods apply. For an 80% Benefit Percentage, you may be reimbursed up to 80% on eligible vet bills.

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 Limited 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.

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.

LIFE

HCF Life Protect and Recover Cover products are issued by HCF Life Insurance Company Pty Ltd. ABN 37 001 831 250, AFSL 236 806 (HCF Life) and arranged by The Hospitals Contribution Fund of Australia Limited ABN 68 000 026 746, AFSL 241 414 (HCF), which wholly owns HCF Life. HCF and HCF Life 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 Product Disclosure Statement, Policy Document and Financial Services Guide available by calling 1800 560 855 or visiting hcf.com.au/lifeinfo. The relevant Target Market Determination is available is also available at hcf.com.au/lifeinfo. The premiums for HCF Life Protect and 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.

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.