UNCOMMON CAREIS OUR BOTTOM LINE

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MOST TRUSTED HEALTH FUND 3 YEARS IN A ROW

There’s not a lot you can count on in life, but you can count on us. We're proud to be recognised as Australia's number 1 most-trusted private health insurer, 3 years running~~.

HCF MEMBERS GET A RANGE OF BENEFITS

MENTAL HEALTH CARE

We’re helping you take charge of your mental health with industry-leading programs~ for members.

100% BACK ON SOME EXTRAS

HCF gives eligible members 100% back on popular extras like dental, optical and physio through our wide network of providers=.

HOSPITAL TREATMENT AT HOME

Stay in control of your health journey with our wide range of treatment-at-home options for eligible members+.

COMPLETE PREGNANCY COVER

Our partnership with Sydney Adventist Hospital offers eligible members a private hospital pregnancy experience.#.

TRY HCF FOR 30 DAYS

When you join HCF, you’ll have a 30-day cooling-off period because we want you to be happy with the health cover you’ve chosen##.

AWARD-WINNING SERVICE

Run by Aussies, for Aussies – those born here and those who’ve decided to call it home. We’re here to help you with award-winning call centres and branches.

SWITCH AT ANY TIME

Switch health insurers any time of year. You’re always free to shop around and look for a new fund. And because we're not-for-profit, we put your needs first.

WE'RE RIGHT FOR YOU

Starting a family? Kids left home? When it comes to health and wellbeing, you can count on HCF to help you find the right cover to suit you and your family's needs.
 
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GET THE MOST OUT OF YOUR HEALTH COVER CALL OUR TEAM OF EXPERTS

  • Customer Service Institute Award for the last 9 years in a row
  • Because we're not for profit, our health insurance experts are here to advise based on the cover you actually need
  • We answer 3,000 calls a day helping people with their health cover questions++
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Important Information

~~Roy Morgan Net Trust Survey 2018, 2019 and 2020

=Depends on your level of cover, waiting periods and annual limits. 100% back on selected services, and optical and physio is available on selected products.

+Available with HCF-contracted providers, subject to your location and your hospital cover. Waiting periods apply.

#Available with selected obstetricians, pathology and ultrasound providers at the San. Depends on your level of cover (pregnancy and birth services required) and must have served the 12 month waiting period by the birth date of your baby. Excludes any policy excess. Not available to Overseas Visitor Health Cover members.

##If you change your mind and cancel your HCF policy within 30 days of joining, you’ll receive your money back if you haven't made a claim in that period.

++Uncommon Care in Uncertain Times: Financial Year 2019-2020.

~HCF leads the way in mental health care by providing members access to a unique mental health program. This is substantiated through market analysis which shows that HCF's program is uncommon in the way that it connects its members to a wider range of mental health services, giving its members greater flexibility and choice. Furthermore, the market analysis shows that the HCF mental health program helps members navigate the public and private mental health services available.