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FAMILY HEALTH INSURANCE

Whether you’re a family with kids or adult-dependants~, or soon-to-be parents, look after your family’s health with affordable cover that grows with all your needs.

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why choose hcf family health cover?

From adding kids to your family cover for free^ to 100% back+ on popular extras for the family, get great value family health cover from the fund that puts your health before profit.

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Get 100% back+ on popular extras like a dental check-up for the family through our No-Gap network, or on a range of prescription glasses# at participating providers.

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Prepare for the unexpected with emergency ambulance services** included with HCF family cover.

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Add kids under 22 to your family cover and the cost stays the same. You also pay $0 excess for kids aged under 25^^.

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Help your dependants stay covered for a little longer by letting them stay on your policy until they turn 31~ (eligibility criteria applies).

Find the right family cover to suit your needs

I am looking for

single couple family single parent

I’m

under 31 31 - 44 45 - 64 65 - 69 70 and above

and live in

NSW VIC QLD SA WA TAS ACT NT

My annual

My annual income is

$101,000 or less $101,001 - $118,000 $118,001 - $158,000 $158,001 or more prefer not to specify
$202,000 or less $202,001 - $236,000 $236,001 - $316,000 $316,001 or more prefer not to specify
Weekly Fortnightly Monthly Quarterly Half yearly Yearly

Hospital cover

HCF Hospital Standard Silver Plus

From $0.0* /week

From

$0.0* /week

Great value hospital cover

Hospital excess

Great value hospital cover for families with cover for a range of hospital treatments and common procedures.

  • Cover for heart and vascular system, joint reconstructions, gastrointestinal endoscopy and more.
  • Enjoy no excess for kids under 25 and your own private room depending on availability.
  • Access to a range of health programs for the family like heart and diabetes support+++.

  • Cover for emergency ambulance transport to the nearest hospital by a State or Territory government ambulance provider (excludes transport from another hospital or medical facility), or on-the-spot treatment by paramedics. Benefits aren’t payable for ambulance services covered by a State or Territory government scheme.

    Waiting Period: 1 day

  • Hospital treatment for physical rehabilitation for a patient related to surgery or illness. E.g. inpatient and admitted day patient rehabilitation, stroke recovery and cardiac rehabilitation.

    Waiting Period: 2 months

  • Hospital treatment for the care and management of patients with psychiatric, mental health, addiction or behavioural disorders. E.g. mood disorders like depression, eating disorders, addiction recovery, and psychoses like schizophrenia.

    Members who have held hospital cover for at least 2 months and upgrade to Gold hospital cover to receive hospital psychiatric services as covered services may not be required to serve the waiting period for hospital psychiatric services. This exemption can only be accessed once in a member's lifetime.

    This is a service where Minimum Benefits apply, which means that we will pay the rate set out by the Commonwealth as the minimum shared room benefit, and benefits for Government approved Prostheses if applicable. Members who have held hospital cover for at least 2 months and upgrade to Gold hospital cover to receive hospital psychiatric services as covered services may not be required to serve the waiting period for hospital psychiatric services. This exemption can only be accessed once in a member's lifetime.

    Waiting Period: 2 months

  • Hospital treatment and care where the intent is primarily providing quality of life for a patient with a terminal illness, including treatment to alleviate and manage pain.

    Waiting Period: 2 months

  • Hospital treatment to investigate and treat the brain and brain conditions, the spinal cord, and the peripheral nervous system. E.g. stroke, brain or spinal cord tumours, head injuries and Epilepsy and Parkinson’s disease.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat conditions affecting the eyes and eye socket contents, excluding cataracts. E.g. retinal detachment, tear duct conditions, eye infections and medically managed eye trauma.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for the investigation and treatment of the ear, nose, throat and related areas of the head and neck. E.g. damaged ear drum, sinus surgery, removal of foreign bodies, stapedectomy and throat cancer.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for the investigation and treatment of the tonsils, adenoids and insertion or removal of grommets. E.g. tonsillectomy and adenoidectomy.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for the investigation and treatment of diseases, disorders and injuries of the musculoskeletal system. E.g. carpal tunnel, fractures, hand surgery, joint fusion, bone spurs, osteomyelitis and surgery for bone cancer.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for the reconstruction of joints and associated structures. E.g. torn tendons, rotator cuff tears and damaged ligaments.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat kidney, adrenal gland, and bladder conditions. E.g. kidney stones, adrenal gland tumour and incontinence.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat the male reproductive system, including the prostate. E.g. male sterilisation, circumcision and prostate cancer.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat diseases and disorders affecting the digestive system. E.g. oesophageal cancer, irritable bowel syndrome, gallstones and haemorrhoids.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for the investigation and treatment of hernias and appendicitis. E.g. hernia operations and appendectomy.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate, diagnose and treat the gastrointestinal system internally using an endoscope. E.g. colonoscopy, gastroscopy and endoscopic retrograde cholangiopancreatography (ERCP).

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for the investigation and treatment of the female reproductive system. E.g. endometriosis, polycystic ovaries, female sterilisation and cervical cancer.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat a miscarriage or to terminate a pregnancy. E.g. dilation and curettage (D&C), management of ectopic pregnancy and surgical termination.

    Waiting Period: 2 months

  • Hospital treatment for chemotherapy, radiotherapy and immunotherapy to treat cancer or benign tumours.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for pain management that doesn’t need a device to be inserted or managed. E.g. treatment of nerve pain and chest pain due to cancer through procedures like nerve block injections.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for the investigation and treatment of skin-related conditions and nails. E.g. surgery to remove a melanoma, minor wound repair and abscesses.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat breast disorders and associated lymph nodes, and reconstruction and/or reduction after breast surgery or a preventative mastectomy. E.g. breast lesions, breast tumours, asymmetry due to breast cancer surgery, and gynecomastia.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and manage diabetes, excludes insulin pumps. E.g. stabilisation of hypo- or hyper-glycaemia and addressing contour problems caused by insulin injections.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat the heart, heart-related conditions, and the vascular system. E.g. heart failure, heart attack, monitoring of heart conditions, varicose veins and removal of plaque from arterial walls.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat conditions affecting the lungs and chest. E.g. lung cancer, respiratory disorders like asthma and pneumonia, and trauma to the chest.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat blood-related conditions and disorders. E.g. blood clotting disorders and bone marrow transplants.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat the back, neck and spinal column, including spinal fusion. E.g. sciatica, prolapsed or herniated disc, spinal disc replacement, and spine curvature disorders like scoliosis.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment which is medically necessary for the investigation and treatment of any physical deformity, whether acquired as a result of illness or accident, or congenital. E.g. burns requiring a graft, cleft palate, club foot and angioma.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for teeth and gum surgery. E.g. surgery to remove wisdom teeth and dental implant surgery.

    Waiting Period: 2 months
    (12 months pre-existing)

  • Hospital treatment for the investigation and treatment of conditions affecting the foot and/or ankle, provided by a registered podiatric surgeon.

    Limited benefits apply. Minimum Benefit level payable by HCF for Hospital accommodation as determined under the Private Health Insurance Act and the cost of prosthesis (as listed on the Prescribed List of Medical Devices and Human Tissue Products). No benefit is payable for podiatric surgeon fees. Ensure you have Informed Financial Consent prior to your treatment, for any out-of-pocket expenses.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to correct hearing loss, including implantation of a prosthetic hearing device.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for surgery to remove a cataract and replace it with an artificial lens.

  • Hospital treatment for surgery for joint replacements, including revisions, resurfacing, partial replacements and removal of prostheses. E.g. knee, hip, shoulder, wrist, finger, toe or ankle joint replacements.

  • Hospital treatment for dialysis to manage chronic kidney failure, including both haemodialysis and peritoneal dialysis.

  • Hospital treatment for investigation and treatment of conditions associated with pregnancy and childbirth. E.g. prenatal care, childbirth (vaginal or caesarean) and postnatal recovery.

  • Hospital treatment for fertility treatments or procedures. E.g. egg or sperm retrieval, In Vitro Fertilisation (IVF) and Gamete Intra-fallopian Transfer (GIFT).

  • Hospital treatment for surgery that’s designed to reduce a person’s weight, remove excess skin because of weight loss, and reverse a bariatric procedure. E.g. gastric bypass, sleeve gastrectomy and adjustable gastric banding.

  • Hospital treatment to provide and replace insulin pumps to treat diabetes, including certified Type C procedures and certified overnight Type C procedures to treat diabetes.

  • Hospital treatment to implant, replace, or for other surgical device management for pain treatment. E.g. nerve pain and back pain treatment, pain caused by coronary heart disease with a device.

  • Hospital treatment to investigate sleep patterns and anomalies. E.g. sleep apnoea and snoring.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • The waiting period for pre-existing ailments is 12 months. The waiting period for hospital psychiatric services, rehabilitation services and palliative care is 2 months. A pre-existing ailment, illness or condition is one where the signs or symptoms existed in the six months before joining HCF or upgrading your cover.

    Waiting Period: 12 months

View product summary

Hospital and extras cover

HCF Hospital Bronze Plus and HCF Mid Extras

From $0.0* /week

From

$0.0* /week

Price includes combined cover

Hospital excess

Hospital cover designed for budget conscious families, plus cover for common services like general and most major dental.

  • Cover for gastrointestinal endoscopy, digestive system, bone, joint and muscle procedures and more.
  • Enjoy no excess for kids under 25 and your own private room depending on availability.
  • 100% back+ on 2 dental check-ups a year each through our No-Gap provider network.

  • Cover for emergency ambulance transport to the nearest hospital by a State or Territory government ambulance provider (excludes transport from another hospital or medical facility), or on-the-spot treatment by paramedics. Benefits aren’t payable for ambulance services covered by a State or Territory government scheme.

    Waiting Period: 1 day

  • Hospital treatment for physical rehabilitation for a patient related to surgery or illness. E.g. inpatient and admitted day patient rehabilitation, stroke recovery and cardiac rehabilitation.

    This is a service where Minimum Benefits apply, which means that we will pay the rate set out by the Commonwealth as the minimum shared room benefit, and benefits for Government approved Prostheses if applicable.

    Waiting Period: 2 months

  • Hospital treatment for the care and management of patients with psychiatric, mental health, addiction or behavioural disorders. E.g. mood disorders like depression, eating disorders, addiction recovery, and psychoses like schizophrenia.

    Members who have held hospital cover for at least 2 months and upgrade to Gold hospital cover to receive hospital psychiatric services as covered services may not be required to serve the waiting period for hospital psychiatric services. This exemption can only be accessed once in a member's lifetime.

    This is a service where Minimum Benefits apply, which means that we will pay the rate set out by the Commonwealth as the minimum shared room benefit, and benefits for Government approved Prostheses if applicable. Members who have held hospital cover for at least 2 months and upgrade to Gold hospital cover to receive hospital psychiatric services as covered services may not be required to serve the waiting period for hospital psychiatric services. This exemption can only be accessed once in a member's lifetime.

    Waiting Period: 2 months

  • Hospital treatment and care where the intent is primarily providing quality of life for a patient with a terminal illness, including treatment to alleviate and manage pain.

    Waiting Period: 2 months

  • Hospital treatment to investigate and treat the brain and brain conditions, the spinal cord, and the peripheral nervous system. E.g. stroke, brain or spinal cord tumours, head injuries and Epilepsy and Parkinson’s disease.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat conditions affecting the eyes and eye socket contents, excluding cataracts. E.g. retinal detachment, tear duct conditions, eye infections and medically managed eye trauma.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for the investigation and treatment of the ear, nose, throat and related areas of the head and neck. E.g. damaged ear drum, sinus surgery, removal of foreign bodies, stapedectomy and throat cancer.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for the investigation and treatment of the tonsils, adenoids and insertion or removal of grommets. E.g. tonsillectomy and adenoidectomy.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for the investigation and treatment of diseases, disorders and injuries of the musculoskeletal system. E.g. carpal tunnel, fractures, hand surgery, joint fusion, bone spurs, osteomyelitis and surgery for bone cancer.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for the reconstruction of joints and associated structures. E.g. torn tendons, rotator cuff tears and damaged ligaments.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat kidney, adrenal gland, and bladder conditions. E.g. kidney stones, adrenal gland tumour and incontinence.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat the male reproductive system, including the prostate. E.g. male sterilisation, circumcision and prostate cancer.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat diseases and disorders affecting the digestive system. E.g. oesophageal cancer, irritable bowel syndrome, gallstones and haemorrhoids.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for the investigation and treatment of hernias and appendicitis. E.g. hernia operations and appendectomy.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate, diagnose and treat the gastrointestinal system internally using an endoscope. E.g. colonoscopy, gastroscopy and endoscopic retrograde cholangiopancreatography (ERCP).

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for the investigation and treatment of the female reproductive system. E.g. endometriosis, polycystic ovaries, female sterilisation and cervical cancer.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat a miscarriage or to terminate a pregnancy. E.g. dilation and curettage (D&C), management of ectopic pregnancy and surgical termination.

    Waiting Period: 2 months

  • Hospital treatment for chemotherapy, radiotherapy and immunotherapy to treat cancer or benign tumours.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for pain management that doesn’t need a device to be inserted or managed. E.g. treatment of nerve pain and chest pain due to cancer through procedures like nerve block injections.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for the investigation and treatment of skin-related conditions and nails. E.g. surgery to remove a melanoma, minor wound repair and abscesses.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat breast disorders and associated lymph nodes, and reconstruction and/or reduction after breast surgery or a preventative mastectomy. E.g. breast lesions, breast tumours, asymmetry due to breast cancer surgery, and gynecomastia.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and manage diabetes, excludes insulin pumps. E.g. stabilisation of hypo- or hyper-glycaemia and addressing contour problems caused by insulin injections.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat the heart, heart-related conditions, and the vascular system. E.g. heart failure, heart attack, monitoring of heart conditions, varicose veins and removal of plaque from arterial walls.

  • Hospital treatment to investigate and treat conditions affecting the lungs and chest. E.g. lung cancer, respiratory disorders like asthma and pneumonia, and trauma to the chest.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat blood-related conditions and disorders. E.g. blood clotting disorders and bone marrow transplants.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat the back, neck and spinal column, including spinal fusion. E.g. sciatica, prolapsed or herniated disc, spinal disc replacement, and spine curvature disorders like scoliosis.

  • Hospital treatment which is medically necessary for the investigation and treatment of any physical deformity, whether acquired as a result of illness or accident, or congenital. E.g. burns requiring a graft, cleft palate, club foot and angioma.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for teeth and gum surgery. E.g. surgery to remove wisdom teeth and dental implant surgery.

    Waiting Period: 2 months
    (12 months pre-existing)

  • Hospital treatment for the investigation and treatment of conditions affecting the foot and/or ankle, provided by a registered podiatric surgeon.

    Limited benefits apply. Minimum Benefit level payable by HCF for Hospital accommodation as determined under the Private Health Insurance Act and the cost of prosthesis (as listed on the Prescribed List of Medical Devices and Human Tissue Products). No benefit is payable for podiatric surgeon fees. Ensure you have Informed Financial Consent prior to your treatment, for any out-of-pocket expenses.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to correct hearing loss, including implantation of a prosthetic hearing device.

  • Hospital treatment for surgery to remove a cataract and replace it with an artificial lens.

  • Hospital treatment for surgery for joint replacements, including revisions, resurfacing, partial replacements and removal of prostheses. E.g. knee, hip, shoulder, wrist, finger, toe or ankle joint replacements.

  • Hospital treatment for dialysis to manage chronic kidney failure, including both haemodialysis and peritoneal dialysis.

  • Hospital treatment for investigation and treatment of conditions associated with pregnancy and childbirth. E.g. prenatal care, childbirth (vaginal or caesarean) and postnatal recovery.

  • Hospital treatment for fertility treatments or procedures. E.g. egg or sperm retrieval, In Vitro Fertilisation (IVF) and Gamete Intra-fallopian Transfer (GIFT).

  • Hospital treatment for surgery that’s designed to reduce a person’s weight, remove excess skin because of weight loss, and reverse a bariatric procedure. E.g. gastric bypass, sleeve gastrectomy and adjustable gastric banding.

  • Hospital treatment to provide and replace insulin pumps to treat diabetes, including certified Type C procedures and certified overnight Type C procedures to treat diabetes.

  • Hospital treatment to implant, replace, or for other surgical device management for pain treatment. E.g. nerve pain and back pain treatment, pain caused by coronary heart disease with a device.

  • Hospital treatment to investigate sleep patterns and anomalies. E.g. sleep apnoea and snoring.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • The waiting period for pre-existing ailments is 12 months. The waiting period for hospital psychiatric services, rehabilitation services and palliative care is 2 months. A pre-existing ailment, illness or condition is one where the signs or symptoms existed in the six months before joining HCF or upgrading your cover.

    Waiting Period: 12 months

  • Annual limit: $200

    Spectacle frames: 100% of fee up to annual limit

    Spectacle lenses - pair (excludes add-ons such as high index material, coatings and tinting): 100% of fee up to annual limit

    Contact lenses - pair: 100% of fee up to annual limit

  • Annual limit $700 (Max 2 check ups, 2 scale and cleans and 1 fluoride treatment per person, per year) Combined with General dental and Major dental

    Diagnostic & Preventative:

    Examinations: $32 - $73

    Removal of plaque / calculus: $36 - $62

    Application of fluoride: $27

    Single film x-rays: $29

    Teeth whitening - In-chair (service limits apply): $50

    Direct fillings (1-2 surfaces): $85 - $105

    Direct fillings (3 or more surfaces): $128 - $177

    Simple extractions: $95 - $143

  • Annual limit $700 Combined with General dental and Major dental

    Indirect fillings: $298 - $600

    Surgical extractions: $167 - $265

    Treatment of tissue surrounding teeth: $23 - $374

    Treatment of root canals: $27-$248

    Placing of crowns and bridges: $238 - $600

    Dentures and/or components (partial and complete): Limits renew every 3 years: $25 - $600

  • Occlusal therapy: $0

  • Benefit amount for Orthodontist: $0

    Benefit amount for other dentists: $0

  • $350 Combined Annual limit with Physiotherapy and Exercise Physiology

    Physiotherapy – initial / subsequent (group / class consultations covered under Health Management Program): $56 / $49

  • $350 Combined Annual limit with Physiotherapy and Exercise Physiology

    Exercise physiology (group / class consultations covered under Health Management Program): $33

  • $150 Combined Annual limit with Chiropractic & Osteopathy, Remedial massage and myotherapy and Acupuncture and Chinese herbal medicine consultations

    Chiropractic - initial / subsequent: $38 / $31

    Osteopathy - initial / subsequent : $46 / $36

  • Podiatry consultation - initial / subsequent: $0

  • Orthotist/Prosthetist and Pedorthist consultation: $0

  • Speech pathology - initial / subsequent : $0

  • Speech pathology - initial / subsequent : $0

  • Occupational therapy: $0

  • Dietitian: $0

  • Annual limit $150

    Psychology (after Medicare Mental Health Treatment Plan used up) includes group consultations: $0

    Psychology (when member does not have any unused Medicare Mental Health Treatment Plan in the calendar year) includes group consultations: $0

    HCF-approved counselling & accredited mental health social worker includes group consultations: $9 / $23

    HCF-approved Online Cognitive Behavioural Therapy courses: $35 - $59

  • $150 Combined Annual limit with Chiropractic & Osteopathy, Remedial massage and myotherapy and Acupuncture and Chinese herbal medicine consultations

    Remedial massage and myotherapy: $36

    Acupuncture and Chinese herbal medicine consultation: $36

  • HCF approved pharmacy (After PBS equivalent co-payment subtracted): $0

  • Annual limit $100

    Vaccines - HCF-approved: Upto $50 per script

  • Artificial aids HCF approved e.g. low vision aids: $0

  • Hearing aids: $0

  • $50 per person, Max $100 per policy

    HCF approved e.g. exercise classes, group physiotherapy and group exercise physiology classes and weight management: Up to $50

    HCF approved antenatal and postnatal services including childbirth education classes, breastfeeding consultations, pregnancy compression garments, and breastfeeding support services provided by the Australian Breastfeeding Association : $0

  • School Accident Benefit: $0

  • Travel and Accommodation (200km round trip): $0

View product summary

Extras cover

HCF Vital Extras

From $0.0* /week

From

$0.0* /week

Great value extras cover

Outstanding value extras cover for families with cover for a wide range of popular services and therapies.

  • Cover for most major dental including dentures and orthodontics.
  • 100% back+ on your first physio or podiatrist visit++ through our No-Gap provider network.
  • Claim $350 for the first year^^^^ on mental health services like psychology and occupational therapy.

  • Annual limit: $250

    Spectacle frames: 100% of fee up to annual limit

    Spectacle lenses - pair (excludes add-ons such as high index material, coatings and tinting): 100% of fee up to annual limit

    Contact lenses - pair: 100% of fee up to annual limit

  • No Annual Limit for diagnostic and preventative services (Max 2 check ups, 2 scale and cleans and 1 fluoride treatment per person per year)

    Diagnostic & Preventative:

    Examinations: $32 - $73

    Removal of plaque / calculus: $36 - $64

    Application of fluoride: $28

    Single film x-rays: $31

    Combined Annual limit for General Dental (other than diagnostic and preventative) and Major dental:

    Year 1: $850
    Year 2: $950
    Year 3+: $1,100

    Teeth whitening - In-chair (service limits apply): $50

    Teeth whitening - Home application (service limits apply): $0

    Direct fillings (1-2 surfaces): $85 - $108

    Direct fillings (3 or more surfaces): $128 - $177

    Simple extractions: $95 - $143

  • Combined Annual limit for General Dental (other than diagnostic and preventative) and Major dental:

    Year 1: $850
    Year 2: $950
    Year 3+: $1,100

    Indirect fillings: $298 - $671

    Surgical extractions: $184 - $275

    Treatment of tissue surrounding teeth: $23 - $374

    Treatment of root canals: $27-$248

    Placing of crowns and bridges: $244 - $1000

    Dentures and/or components (partial and complete): $25 - $1100 - Limits renew every 3 years (Every calendar year if repairs)

  • Occlusal therapy: $0

  • Annual Limit for Orthodontist: $700 ($350 limit for other dentists)
    Lifetime limit of $2,100 for Orthodontist or $1,050 for other dentists

    Benefit amount for Orthodontist: up to $700

    Benefit amount for other dentists: up to $350

  • Combined Annual Limit for Physiotherapy and Exercise Physiology

    Year 1: $350
    Year 2: $450
    Year 3+: $550

    Physiotherapy – initial / subsequent (group / class consultations covered under Health Management Program): $58 / $49

  • Combined Annual Limit for Physiotherapy and Exercise Physiology

    Year 1: $350
    Year 2: $450
    Year 3+: $550

    Exercise physiology (group / class consultations covered under Health Management Program): $33

  • Annual Limit:

    Year 1: $250
    Year 2: $350
    Year 3+: $450

    Chiropractic - initial / subsequent: $40 / $33

    Osteopathy - initial / subsequent : $48 / $38

  • Combined Annual limit for Podiatry, Dietetics, Audiology, Speech Pathology, and Orthotist/Prosthetist and Pedorthist consultation:

    Year 1: $200
    Year 2: $250
    Year 3+:$400
    Orthotics sub-limit: $200 (includes 1 pair of foot orthotics per person per year)

    Podiatry consultation - initial / subsequent: $35 / $30

  • Combined Annual limit for Podiatry, Dietetics, Audiology, Speech Pathology, and Orthotist/Prosthetist and Pedorthist consultation:

    Year 1: $200
    Year 2: $250
    Year 3+:$400

    Orthotist/Prosthetist and Pedorthist consultation: $30

  • Combined Annual limit for Podiatry, Dietetics, Audiology, Speech Pathology, and Orthotist/Prosthetist and Pedorthist consultation:

    Year 1: $200
    Year 2: $250
    Year 3+:$400

    Audiology - initial / subsequent : $60

  • Combined Annual limit for Podiatry, Dietetics, Audiology, Speech Pathology, and Orthotist/Prosthetist and Pedorthist consultation:

    Year 1: $200
    Year 2: $250
    Year 3+:$400

    Speech pathology - initial / subsequent : $60

  • Combined Annual limit for Occupational Therapy and Mental Health services

    Year 1: $350
    Year 2: $450
    Year 3: $550

    Occupational therapy: $62

  • Combined Annual limit for Podiatry, Dietetics, Audiology, Speech Pathology, and Orthotist/Prosthetist and Pedorthist consultation:

    Year 1: $200
    Year 2: $250
    Year 3+:$400

    Dietitian: $45

  • Combined Annual limit for Occupational Therapy and Mental Health services

    Year 1: $350
    Year 2: $450
    Year 3: $550

    Psychology (after Medicare Mental Health Treatment Plan used up) includes group consultations: $26 / $85

    Psychology (when member does not have any unused Medicare Mental Health Treatment Plan in the calendar year) includes group consultations: $18 / $49

    HCF-approved counselling & accredited mental health social worker includes group consultations: $15 / $41

    HCF-approved Online Cognitive Behavioural Therapy courses: $35 - $59

  • Annual Limit:

    Year 1: $250
    Year 2: $350
    Year 3+: $450
    Sub-limit per therapy: $250

    Remedial massage and myotherapy: $36

    Acupuncture and Chinese herbal medicine consultation: $36

  • Combined Annual limit for HCF-approved Pharmacy and Vaccines: $180

    HCF approved pharmacy (After PBS equivalent co-payment subtracted): Up to $50 per script

  • Combined Annual limit for HCF-approved Pharmacy and Vaccines: $180

    Vaccines - HCF-approved: Up to $50 per script

  • Max $150 per policy

    Artificial aids HCF approved e.g. low vision aids: $45 - $150

  • Annual limit:

    Up to 5 years $600
    Year 6-9 $800
    Year 10-14 $1,000
    Year 15-19 $1,200
    Year 20+ $1,600

    Hearing aids: $600-$1,600

  • $150 per person, Max $300 per policy

    HCF approved e.g. exercise classes, group physiotherapy and group exercise physiology classes and weight management: Up to $150

    HCF approved antenatal and postnatal services including childbirth education classes, breastfeeding consultations, pregnancy compression garments, and breastfeeding support services provided by the Australian Breastfeeding Association : $0

  • $150 per eligible child***

    School Accident Benefit: Up to $150

  • Max $200 per policy

    Travel and Accommodation (200km round trip): $40

View product summary

Looking for health cover that matches your needs?

Whether you’re after a higher level of cover for more treatments and services, or something that better fits your budget, get a quote to find the right cover for you.

Get a quote

Do I need hospital, extras cover or both?

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Hospital and extras cover

Get hospital and extras cover for more protection and coverage, from private hospital care and treatments to a range of extras like dental, physio, optical, chiro and remedial massage.

View hospital and extras
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Hospital cover

Choose hospital cover to make sure you’re covered for private hospital admission, emergency ambulance services**, a range of in-hospital treatments and costs, and more.    

View hospital cover 
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Extras cover

Use extras cover for services generally not covered by Medicare, and claim on extras like physio and optical and get 100% back+ on a dental check-up through our No-Gap network.

View extras cover
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Offers and discounts

We help families save more. Members can save an average of $900## a year on everyday savings like groceries, fuel and movie tickets through discounted e-Gift cards, plus discounts on pet*** and travel insurance^^^.

Explore more HCF member benefits
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Health programs for families

Eligible members can access a range of health programs+++, including online GP consults at discounted rates###, mental health support for kids and teens, and healthy eating resources for your family.

  • Mental wellbeing support for kids with Calm Kid Central****.
  • A free HealthyMinds Check-in for eligible members^^^^, including tailored support for teens aged 12 to 17.
  • Nutrition and healthy meal support for kids aged 0 to 17 to support their development++++.
Discover family health programs
Pregnant woman sitting on lounge with partner and son.

Support for new and expecting parents

New parents and pregnant members with eligible extras cover#### can access prenatal and postnatal support services like pregnancy compression garments, childbirth educational courses, breastfeeding consults and more.

Learn about pregnancy support

Preparing for hospital

From childbirth to removal of tonsils and other common procedures, learn how to prepare for hospital, what to expect with your family cover, and check average out-of-pocket costs for members with our cost indicator tool.

Read our guides

Award-winning insurance trusted by more than 2 million australians

Canstar 2025 outstanding value for health insurance award logo.
Outstanding value 10 years in a row

We've won Canstar’s Outstanding Value Award for Health Insurance 10 years in a row (2016 to 2025).

Roy Morgan 2025 most trusted brand for private health insurance award logo.
Australia’s most trusted health fund 2025

We're Roy Morgan’s 2025 Most Trusted Private Health Insurance Brand#####. 

A finder 2024 hospital cover award logo.
2024 Finder Health Insurance Award winner

Based on value for money, we scored higher than all eligible bronze hospital policies on the market for our Hospital Bronze Plus $750 Excess cover.

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need help finding the best health cover for your family?

Answers to commonly asked questions to help you make the right choice for you and your family.

Family health insurance is hospital cover (and extras if selected) for you as the policyholder, your partner listed on the policy, and any dependants listed on the policy. Depending on your level of cover, each family member can have their own annual limits for everyday health services that Medicare generally doesn’t cover, like general dental, osteo and chiro, and other shared benefits like lower out-of-pocket costs for in-hospital treatments, emergency ambulance cover, depending on your State or Territory, and more.

There’s also no limit to the number of dependant children you can add to your HCF family cover policy, and the cost stays the same for any kids added under the age of 22 – and you pay $0 excess for kids aged under 25^^.

Learn more about family health cover 

We understand choosing family health insurance is a big decision, and when to get cover depends on your family’s needs, lifestyle, and budget. It’s a great option if you’re married, in a de facto partnership, or a single parent with kids. It’s also worth considering if you’re planning on having a baby or growing your family in the next year and want access to private hospital pregnancy and birth-related services - as long as you’ve held the appropriate level of hospital cover for 12 months before the birth of your child.

At HCF, we make it easy for you to choose family health cover with a range of affordable options for your needs and the transparency to know what you and your dependants are covered for - giving you one less thing to worry about as your family grows.

Find family health cover today

Yes. Anyone listed on your family health insurance policy can claim for a service you’re covered for, so long as you’ve served your waiting periods and it’s with a recognised provider or participating hospital.

Only the policyholder can determine who's covered under an HCF family cover membership, which includes:

  • the policyholder
  • your partner (listed on the policy).
  • dependants (listed on the policy)

It's important to review your family health cover policy at least once a year so you can tell us if your circumstances have changed, like an addition to your family or a change in your relationship, which could affect your health cover needs.

Update your details to add a family member

To make healthcare more affordable for families, we can cover your dependants on your family policy until they turn 31, provided:

  • they’re a full-time student
  • they’re not married or in a de facto relationship
  • they still rely on you for maintenance and support. 

Your child will need to either come off your policy or get Extended Family Cover when they turn 31 or stop full-time study (whichever comes first).

If they’re not full-time students but still meet the other criteria, you can also continue to cover them until they turn 31 on selected products that have Extended Family Cover, and a surcharge will apply.

Family health insurance is hospital cover (and extras if selected) for you as the policyholder, your partner listed on the policy, and any dependants listed on the policy. Depending on your level of cover, each family member can have their own annual limits for everyday health services that Medicare generally doesn’t cover, like general dental, osteo and chiro, and other shared benefits like lower out-of-pocket costs for in-hospital treatments, emergency ambulance cover, depending on your State or Territory, and more.

There’s also no limit to the number of dependant children you can add to your HCF family cover policy, and the cost stays the same for any kids added under the age of 22 – and you pay $0 excess for kids aged under 25^^.

Learn more about family health cover 

We understand choosing family health insurance is a big decision, and when to get cover depends on your family’s needs, lifestyle, and budget. It’s a great option if you’re married, in a de facto partnership, or a single parent with kids. It’s also worth considering if you’re planning on having a baby or growing your family in the next year and want access to private hospital pregnancy and birth-related services - as long as you’ve held the appropriate level of hospital cover for 12 months before the birth of your child.

At HCF, we make it easy for you to choose family health cover with a range of affordable options for your needs and the transparency to know what you and your dependants are covered for - giving you one less thing to worry about as your family grows.

Find family health cover today

Yes. Anyone listed on your family health insurance policy can claim for a service you’re covered for, so long as you’ve served your waiting periods and it’s with a recognised provider or participating hospital.

Only the policyholder can determine who's covered under an HCF family cover membership, which includes:

  • the policyholder
  • your partner (listed on the policy).
  • dependants (listed on the policy)

It's important to review your family health cover policy at least once a year so you can tell us if your circumstances have changed, like an addition to your family or a change in your relationship, which could affect your health cover needs.

Update your details to add a family member

To make healthcare more affordable for families, we can cover your dependants on your family policy until they turn 31, provided:

  • they’re a full-time student
  • they’re not married or in a de facto relationship
  • they still rely on you for maintenance and support. 

Your child will need to either come off your policy or get Extended Family Cover when they turn 31 or stop full-time study (whichever comes first).

If they’re not full-time students but still meet the other criteria, you can also continue to cover them until they turn 31 on selected products that have Extended Family Cover, and a surcharge will apply.

Important Information

HCF will collect and use your personal information through this quote process in accordance with our Privacy Collection Notice.

* 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.

~ Children must be full-time students, rely on you for maintenance and support and must not be married or in a de facto relationship. If the child is not a full-time student, they can be covered on selected products that have Extended Family Cover and a surcharge will apply.

^ Applies to kids under 22. Excludes Accident Only Basic cover.

+ 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

# Excludes add-ons like high index material, coatings and tinting.

** Cover is limited to emergency transport to the nearest hospital by a State or Territory government ambulance provider (excludes transport from another hospital or medical facility). Benefits are not payable for ambulance services covered by a State or Territory government scheme.

^^ Excludes Accident Only Basic cover.

++ A first visit means an initial consultation for an eligible health condition that’s new or flare up where no treatment has been provided in the previous 3 months.

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

*** 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.

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 and Target Market Determination (TMD) ensure this product meets your needs before you renew your 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.

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

### Eligibility criteria apply. For more information visit hcf.com.au/gp2u

**** Eligibility criteria apply. For more information see hcf.com.au/calmkids

^^^^ Eligibility criteria apply. For more information see hcf.com.au/mental-support

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

#### Waiting periods and annual limits apply. Before you start any program, check you're on eligible cover and the provider of the program is recognised by us. If you're unsure, call 13 13 34 or visit a branch

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

^^^^ Annual limits increase on some services in year 2 and 3. See extras table in the product summary for details.

HCF acknowledges the traditional custodians of the lands and water upon which we work and live. We acknowledge Aboriginal and Torres Strait Islander peoples’ rich history as traditional healers and scientists, who have taken care of the health of the land and its people for thousands of years. We give thanks to elders past and present, who we have much to learn from on our reconciliation journey. View our Reconciliation Action Plan