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

YOUR DETAILS

Are you currently an HCF member?

YES

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

Are all people on the policy eligible for Medicare?

YES

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.

When would you like your cover to start?

Can we stay in touch?

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

YES

What’s your first name?

What’s your email address?

What's your best Australian mobile or landline phone number?

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

What's your employee number?

Optionally, enter your VPS employer name

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

What’s your gender?

FEMALE

MALE

What’s your title?

Please enter your full name as it appears on your Medicare card

What’s your date of birth?

What’s your email address?

What's your best Australian mobile or landline phone number?

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

What is your residential address?

Search Address

Address line one

Add address Line 2

Address line two

Suburb

State

Postcode

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

The text will appear here

My postal address is the same as my residential address

What is your postal address?

Search Address

Address line one

Add Address Line

Address line two

Suburb

State

Postcode

Want us to save your application?

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

Yes

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.

YOUR PARTNER'S DETAILS

What gender is your partner?

FEMALE

MALE

What’s your partner’s title?

What’s their first name?

What’s their last name?

What’s their date of birth?

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

DEPENDANT’S DETAILS

What gender is your dependant?

FEMALE

MALE

What's their title?

What’s their first name?

What’s their last name?

What’s their date of birth?

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

Is your dependant studying full time?

YES

Would you like to add Extended Family Cover?

Yes

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.

Which institution are they studying at?

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

Have you had private hospital cover in Australia since 1 July 2000?

YES

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.

Has your partner had private hospital cover in Australia since 1 July 2000?

YES

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

Do you currently have health cover?

YES

Does your partner currently have health cover?

YES

I authorise HCF to terminate my membership with my existing health fund and I consent (and confirm I have the authority to do so on behalf of everyone else on that policy) to the disclosure to HCF of the cover details of everyone on that policy including the issue of a transfer certificate to HCF.

Which fund are you currently with?

What’s your membership number?

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

Which fund is your partner currently with?

What’s your partner's membership number?

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.

I want to claim the Australian Government Rebate on private health insurance

YES

Based on my income, my rebate tier is:

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

Are all people on the policy eligible for Medicare?

I am covered by the policy

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

Please enter the Medicare card number for

What’s your Medicare card expiry date?

Medicare name changing warning message placeholder

Please enter your full name as it appears on your Medicare card

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]

Yes, I understand and have read the declaration. The information I’ve provided is complete and correct.

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).

I agree that my insurance will start once my application is accepted. I declare the information provided to be true and complete and I understand that giving false or misleading information is a serious offence.

RAC purhcase declaration

I am a member of RAC and I am entitled to join the discounted Corporate Plan.

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

Would you like to nominate a bank account to have your claims paid into?

YES

What’s your account name?

What’s your account number?

What’s your BSB number?

Your branch is

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

Your HCF health insurance policy will begin on [d]. Do you want to make your first payment of [p] now?

Yes

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

What’s the name on your card?

Card type

What’s your card number?

Expiry month

Expiry year

CVV

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

Please choose your payment frequency

When would you like your regular payments to start?

How do you want to make your regular payments?

CREDIT CARD

DIRECT DEBIT

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

What’s your account name?

What’s your account number?

What’s your BSB number?

Your branch is

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

Employer's name

Note: If you cannot find your employers name in the list above, please enter it here:

Please choose your payment frequency

Payroll employee ID

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.

What’s the name on your card?

Card type

What’s your card number?

Expiry month

Expiry year

CVV

Submit Validation

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What you’ll need

YOUR DETAILS

YOUR DETAILS

YOUR PARTNER'S DETAILS

DEPENDANT’S DETAILS

Lifetime health cover loading

LIFETIME HEALTH COVER

Your health cover history

YOUR HEALTH COVER HISTORY

Claiming the Australian Government Rebate

Medicare details

REBATE APPLICATION

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

YOUR MEDICARE DETAILS

REVIEW YOUR REBATE APPLICATION

MEDICARE PRIVACY NOTICE

CLAIMANT'S DECLARATION

HCF DECLARATION

Claiming made easy

CLAIMING WITH HCF

Payment to suit you

PAY NOW

Set up a regular payment schedule

REGULAR PAYMENTS

Submit Validation

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HEALTH INSURANCEShow more

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ABOUT HCFShow more

Health

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Travel

Pet

Manage your health

No-gap services

Access medical resources

Member offers & discounts

Find a branch

HCF centres

Participating hospitals

Find a participating provider

About HCF

HCF Research Foundation

Media centre

Careers

RT Health joins HCF

Health

Life & Recover Cover

Travel

Pet

Manage your health

No-gap services

Access medical resources

Member offers & discounts

Find a branch

HCF centres

Participating hospitals

Find a participating provider

About HCF

HCF Research Foundation

Media centre

Careers

RT Health joins HCF

You selected and for in with and a

You selected for in and a

What you’ll need

YOUR DETAILS

YOUR DETAILS

YOUR PARTNER'S DETAILS

DEPENDANT’S DETAILS

Lifetime health cover loading

LIFETIME HEALTH COVER

Your health cover history

YOUR HEALTH COVER HISTORY

Claiming the Australian Government Rebate

Medicare details

REBATE APPLICATION

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

YOUR MEDICARE DETAILS

REVIEW YOUR REBATE APPLICATION

MEDICARE PRIVACY NOTICE

CLAIMANT'S DECLARATION

HCF DECLARATION

Claiming made easy

CLAIMING WITH HCF

Payment to suit you

PAY NOW

Set up a regular payment schedule

REGULAR PAYMENTS

Submit Validation

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HEALTH INSURANCEShow more

CONTACT USShow more

ABOUT HCFShow more

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