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      Life & Recover Cover

      We’re here for you with Recover Cover – a unique range of recovery and life insurance products to help with the unexpected costs that come with recovery.

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                    Our charitable trust was set up to encourage research and enquiry into the provision, administration and delivery of health services in Australia.

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                      Welcome to the HCF Media Centre. Here you can access HCF media contacts, releases and downloads.

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                        RT Health joins HCF

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                                          STEP 1

                                          STEP 1 Getting Started

                                          STEP 2 Personal Details

                                          STEP 3 Family Details

                                          STEP 4 Fund Details

                                          STEP 5 Declaration

                                          STEP 6 Payments

                                          STEP 7 Timeout

                                          You selected and for in with and a

                                          Click on your selection above if you need to make any changes

                                          You selected for in and a

                                          Click on your selection above if you need to make any changes

                                          What you’ll need

                                          Before you start, make sure you have your:

                                          • Medicare card
                                          • Credit card and/or bank details
                                          • Current fund details for anyone you want to list on the policy (if you’re switching from another insurer)

                                          YOUR DETAILS

                                          If you’re already an HCF member, and you’d like to make changes to your cover, please call us on 13 13 34.

                                          All people listed on the policy must be eligible to claim Medicare for you to receive the rebate as a reduced premium.

                                          If you are unsure whether you are eligible for Medicare, go to https://www.humanservices.gov.au/customer/services/medicare/medicare-card for more information.

                                          Wednesday, 11 September 2019

                                          I'm happy for HCF to get in touch about health insurance or about my quote using my contact details.

                                          • Don't include the Country code (+61)
                                          • Your number must start with a "0"

                                          If you’re already an HCF member, and you’d like to make changes to your cover, please call us on 13 13 34.

                                          If you’re living in Australia for a short time, our Overseas Visitor Health Cover may work for you.

                                          YOUR DETAILS

                                          • Don't include the Country code (+61)
                                          • Your number must start with a "0"

                                          What is your residential address?

                                          Search Address

                                          Add address Line 2

                                          Address line two

                                          Suburb

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                                          You changed your state, which has changed your cover price.

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                                          Search Address

                                          Add Address Line

                                          Address line two

                                          Suburb

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                                          Save your application and we'll email you a link so you can complete it later.

                                          Click Save & continue below.

                                          If you don't save your application you'll have to start again if you don't finish it now.

                                          You can retrieve your application for the next 21 days.

                                          Provide details of all people covered by the policy (do not include yourself)

                                          YOUR PARTNER'S DETAILS

                                          If your partner is over 65 years old, this may affect your weekly premium.

                                          DEPENDANT’S DETAILS

                                          They’re eligible to be a child dependant on your cover.

                                          As your dependant is 22-24 years old (inclusive) and isn't studying fulltime, you need to take out Extended Family Cover if you would like to include them on your cover. This will increase the cost of your cover by 25%. The cost won't change if you add more adult dependants.

                                          The cost of your cover has increased by 25% to include Extended Family Cover. Extended Family Cover includes your dependant who is 22-24 years old (inclusive) and not studying fulltime on your policy.

                                          This dependant can't be added to your cover without Extended Family Cover. If you have other dependants, enter their details above. If you have no other dependants, change your cover to either single or couple.

                                          This dependant can't be added to your cover without Extended Family Cover. Please remove their details.

                                          They’re eligible to be a student dependant on your cover.

                                          An adult dependant (aged 22-24 inclusive and not studying fulltime) can't be added to Ambulance only family cover. Please remove them. If you have other dependants, add their details above or change your cover to single or couple.

                                          As your dependant’s over 25 they’ll need their own cover.

                                          Lifetime health cover loading

                                          The Government encourages young people to get and keep private hospital cover.

                                          Under the Lifetime Health Cover (LHC) initiative, if you don’t take out hospital insurance by 1 July following your 31st birthday you’ll pay an extra 2% loading for your cover for each year you waited.

                                          If you've never had hospital cover or if you’ve taken a break from your hospital cover of more than three years, we'll add the LHC loading to your cover straight away.

                                          If you're switching funds or you've had hospital cover in the past you'll need to provide the cover details below. We'll let you know if there's any change to your cover price once we have your transfer certificate.

                                          LIFETIME HEALTH COVER

                                          The cost of your cover may increase if you haven't had continuous hospital cover since turning 31 or from July 2000; or if you’ve had a break in hospital cover of more than three years. This is because of the Government's Lifetime Health Cover loading. For now, we haven't added the loading to your cover price. You'll need to provide the cover details below, so we can get in touch with your last fund and update you on the price of your cover.

                                          Because you haven’t had hospital cover since turning 31 or July 2000, we’ve added the Government’s Lifetime Health Cover loading to your cover price.

                                          The cost of your cover may increase if your partner hasn't had continuous hospital cover since turning 31 or from July 2000; or if they’ve had a break in hospital cover of more than three years. This is because of the Government's Lifetime Health Cover loading. For now, we haven't added the loading to your cover price.  You'll need to provide their cover details below so we can get in touch with their last fund and update you on the price of your cover.

                                          Because your partner hasn’t had hospital cover since turning 31 or July 2000, we’ve added the Government’s Lifetime Health Cover loading to your cover price.

                                          Your health cover history

                                          If you're joining HCF from another fund, let us know and we’ll organise the transfer for you.

                                          If you're not currently with a fund but have had hospital cover in the past, we'll need some information from your past fund. 

                                          We’ll ask your current or last fund for a transfer certificate. This will contain the level of cover you were on, and whether you have any Lifetime Health Cover loading. 

                                          It won’t contain any details about your claims or medical history.

                                          YOUR HEALTH COVER HISTORY

                                          Providing the membership number will make it faster to finalise your membership.

                                          Providing the membership number will make it faster to finalise your membership.

                                          Claiming the Australian Government Rebate

                                          The rebate for private health insurance was put in place by the government to help people pay for their cover. The level of rebate you’re entitled to depends on your income, age and whether you’re single or have a family.

                                          Medicare details

                                          If you’re claiming the rebate as a reduced premium, the government requires us to submit your Medicare information. Please enter the details exactly as they appear on your card.

                                          For more information about the Australian Government Rebate on Private Health Insurance, go to privatehealth.gov.au

                                          Questions about Medicare eligibility can be made at any Human Services’ Service Centre or by calling 132 011. 

                                          Note: Call charges apply – calls from mobile phones may be charged at a higher rate.

                                          REBATE APPLICATION

                                          Application to receive the Australian Government Rebate on Private Health Insurance as a reduced premium

                                          All the people listed on the policy must be eligible to claim Medicare for you to receive the rebate as a reduced premium. If you are unsure whether you are eligible for Medicare, go to https://www.humanservices.gov.au/customer/services/medicare/medicare-card for more information.

                                          The federal government gives most residents who have private health insurance a means-tested rebate to help cover the cost of premiums. You can choose to get the rebate now and lower your premiums, or to claim it at tax time.

                                          If at any stage you wish to nominate a new income tier or stop receiving the Australian Government Rebate as a reduced premium, you must notify us as soon as possible. 

                                          View tiers

                                          If at any stage you wish to claim the Australian Government Rebate as a reduced premium, you can notify us.

                                           (If No) Applicants not covered by the policy cannot claim the Australian Government Rebate on Private Health Insurance (excluding child only policies) and employers and trustees of organisations cannot claim the Australian Government Rebate on Private Health Insurance on policies paid on behalf of employees.

                                          YOUR MEDICARE DETAILS

                                          What’s your Medicare card expiry date?

                                          Medicare name changing warning message placeholder

                                          REVIEW YOUR REBATE APPLICATION

                                          Name of private health fund
                                          HCF
                                          Health fund membership number
                                          Not available
                                          Date premium reduction to commence
                                          Rebate tier
                                          Your Medicare card number
                                          Medicare card valid to
                                          Your full name as it appears on your Medicare card
                                          Your current residential address
                                          Your current postal address
                                          Your best contact number
                                          Your date of birth
                                          Your gender
                                          Your partner's details
                                          Name:
                                          DOB:
                                          Gender:
                                          Your first dependant details
                                          Name:
                                          DOB:
                                          Gender:
                                          Relationship:
                                          Your second dependant details
                                          Name:
                                          DOB:
                                          Gender:
                                          Relationship:
                                          Your third dependant details
                                          Name:
                                          DOB:
                                          Gender:
                                          Relationship:
                                          Your forth dependant details
                                          Name:
                                          DOB:
                                          Gender:
                                          Relationship:
                                          Your fifth dependant details
                                          Name:
                                          DOB:
                                          Gender:
                                          Relationship:
                                          Your sixth dependant details
                                          Name:
                                          DOB:
                                          Gender:
                                          Relationship:
                                          Your seventh dependant details
                                          Name:
                                          DOB:
                                          Gender:
                                          Relationship:
                                          Your eighth dependant details
                                          Name:
                                          DOB:
                                          Gender:
                                          Relationship:
                                          Your ninth dependant details
                                          Name:
                                          DOB:
                                          Gender:
                                          Relationship:
                                          Your tenth dependant details
                                          Name:
                                          DOB:
                                          Gender:
                                          Relationship:

                                          MEDICARE PRIVACY NOTICE

                                          Your information may be provided to the Australian Government Department of Human Services. The Department of Human Services uses this information for administering the Australian Government Rebate on private health insurance as a reduced premium. The collection of this information is permitted by the Privacy Act 1988. The Department of Human Services may disclose this information to other Commonwealth departments or agencies, anyone who you have agreed to have your information or other parties where the release is required or authorised by law (including for the purpose of research or conducting investigations).

                                          You can get more information about the way in which the Department of Human Services will manage your personal information, including its privacy policy, at humanservices.gov.au/privacy.

                                          CLAIMANT'S DECLARATION

                                          Do you declare that the information that you have provided is complete and correct? Do you understand that giving false or misleading information is a serious offence?

                                          Date of declaration: [decDate]

                                          HCF DECLARATION

                                          I acknowledge and agree that:

                                          • I have the authority to act and give consent on behalf of other people to be covered under the policy, to provide their information (including sensitive information) and to receive from HCF their information for the purposes of the policy;
                                          • I am the policyholder who is responsible for payment of the contribution rates, the ongoing maintenance of the policy, and the receipt of all policy correspondence;
                                          • I am bound by the Fund Rules of The Hospitals Contribution Fund of Australia Limited and
                                          • HCF deals with personal information of all members in accordance with the HCF Privacy policy and I have informed them of this.

                                          I confirm that I have read and understand that this declaration and the information relating to my product choice in the HCF Health Insurance Brochure (including any applicable exclusions and waiting periods) and members’ privacy (including the HCF Privacy policy and the Privacy Statement).

                                          Claiming made easy

                                          You can nominate a bank account now for ease of claiming when you're with HCF. You can update these details at any time.

                                          CLAIMING WITH HCF

                                          You can set this up later if you prefer. You can also change your details at any time. 

                                          Payment to suit you

                                          You won't be covered or be able to claim until we receive your first payment. You have the option to pay for one month of your cover now.

                                          PAY NOW

                                          Please enter your card details

                                          Your policy won’t begin – and you won’t be able to claim – until you make your first payment. You can set up your regular payments below.

                                          Please enter your card details

                                          Set up a regular payment schedule

                                          You can set up regular payments now, for when it suits you. You won't be covered or be able to claim until we receive your first payment.

                                          REGULAR PAYMENTS

                                          By selecting Direct Debit, you authorise The Hospitals Contribution Fund of Australia Limited User ID Number 245164 to arrange for funds to be debited from your account and as prescribed below through the Bulk Electronic Clearing System (BECS). You agree to be bound by the terms described in the HCF Direct Debit Customer Service Agreement and this authorisation is to remain in force in accordance with these terms.

                                          As you have selected to pay with Direct Debit we will use the same details as above.
                                          By selecting Direct Debit, you authorise The Hospitals Contribution Fund of Australia Limited User ID Number 245164 to arrange for funds to be debited from your account and as prescribed below through the Bulk Electronic Clearing System (BECS). You agree to be bound by the terms described in the HCF Direct Debit Customer Service Agreement and this authorisation is to remain in force in accordance with these terms.

                                          As you have selected to pay by credit card we will use the same details as above

                                          By selecting Payroll, you authorise your employer to make payments on your behalf through payroll deduction.

                                          By submitting your payment you authorise HCF to process the payment using the method indicated above and you represent that you have authority to use that payment method.

                                          Submit Validation

                                          Error Session Timeout

                                          Sorry, the session has timed out due to inactivity. 

                                          Please visit our homepage, or call us on 13 13 34.

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                                          All rights reserved

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