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UNCOMMON CARE Is putting people before profit

Caring makes you do uncommon things.

It makes us do uncommon things too. Like putting people before profit.

Why? Because we’re Australia’s largest not-for-profit health insurer. That means we exist solely for members, not profit. And that we put your health and wellbeing before anything else.

That’s uncommon care.

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Switching is easy

Moving to HCF can be done in 3 simple steps.


We’re proud to be a little unusual. Here’s just a few of the ways we’re different to the other health funds:

  • Get more back. For every dollar members paid in premiums over the last 5 years, we’ve given them back more in benefits than the industry average. We want our members to get the most from their cover.
  • No excess for kids. In times of stress you don’t want to be worrying about money. That’s why you won’t pay an excess for kids – no matter how many times they go to hospital. And if anyone on your cover goes to hospital after an accident, you won’t pay an excess then either.^
  • Helping to access the right care. We’ve created health cover that supports you when you need it, like connecting you to a network of leading medical specialists around the country for a second opinion, at no extra cost.#

There’s not a lot you can count on in life. But you can count on us.

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Australia's Most Trusted Health Fund

We're proud to be recognised as Australia's number 1 most trusted private health insurer according to Roy Morgan's Net Trust Score Survey.


^ Excludes Accident Only cover
# You must have had hospital cover for 12 months and a specialist consultation to use this service. Excludes Accident Only cover. Conditions apply.