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  • Looking after yourself is easier with 100% back on 6 key extras*
  • Switch funds in 15 minutes
  • We put people before profit, paying more back in benefits to our members for every dollar paid in premiums than the industry average##
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MOST TRUSTED HEALTH FUND TWO YEARS RUNNING

There’s not a lot you can count on in life, but you can count on us. We're proud to be recognised as Australia's number 1 most-trusted private health insurer, 2 years running^.
 
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WHY CHOOSE HCF TO COVER YOUR HEALTH?

  • Free second opinion
    We’ll connect you to a network of medical specialists for a free second opinion on a health condition you’re worried about~.
  • 100% back on some extras
    See an extras provider in our network to get 100% back on a dental check-up or first visit to a physio, chiro or osteo*.
  • We're here for you
    Run by Aussies, for Aussies – those born here and those who've decided to call it home. We're here to help you with award-winning# local call centres and branches across the country.
  • My Membership app
    Take full control of your health cover with our My Membership app.
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IT'S EASY TO SWITCH YOUR HEALTH INSURANCE TO HCF

Apply online to move health funds and join HCF in 3 simple steps.

  1. Choose the hospital or extras cover that works for you
  2. Complete your health cover quote and application (don't forget the Interfund Transfer section)
  3. We'll do the rest (including liaising with your previous health fund so you don't have to)
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UNCOMMON CARE WHEN IT MATTERS MOST

Matthew’s world turned upside down with this testicular cancer diagnosis. Luckily he had access to Chemo@Home as part of his HCF health cover, so he didn’t have to go to hospital and was treated from the comfort of his lounge.

Whenever we can, we want to give members like Matthew the choice of how they're treated.

“We just assumed he'd have to have chemo somewhere and have to travel... then they said they were going to do it at home and it was just such a relief.”

We’re always looking for ways show our members Uncommon Care, like saving Matthew and his family the long distance travel and hospital visits.

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CALL OUR TEAM OF EXPERTS ABOUT HEALTH COVER TODAY

  • We've been recognised with a Customer Service Institute Award for the last 8 years in a row#
  • Because we're not for profit, our health insurance experts are here to advise based on the cover you actually need
  • We answer 3,000 calls a day helping people with their health cover questions**

Call us: 13 13 34 Get a quote

Important Information

*Depends on your level of cover and annual limits.

**Based on an annual total averaged across 365 days a year (HCF Year in Review – Financial Review 2019)

^Roy Morgan Net Trust Survey 2018 and 2019

#CSIA: Recognised 8 years consecutively since 2012.

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

##89% compared to 86% across the industry. Calculated based on the average of the past 5 years, sourced from APRA, Statistics: Quarterly Private Health Insurance Statistics, June 2019; APRA, Statistics: Private Health Insurance Operations Report 2015-18, June 2018.