Open navigation
13 13 34
Total from
${{ss.stepData.steps[ss.stepData.selectedType].total.amount}}*
{{steps.paymentFrequencyForDisplay(steps.paymentFrequency).toLowerCase() || ss.paymentFrequencyForDisplay(ss.stepData.paymentFrequency).toLowerCase()}}
Purchase
rebate
{{ss.stepData.steps[ss.stepData.selectedType].rebate.rebateTier}}
{{ss.stepData.steps[ss.stepData.selectedType].rebate.percentage}}%
Edit
{{ss.stepData.steps[ss.stepData.selectedType].rebate.preSelectionData}}
-
{{ss.stepData.steps[ss.stepData.selectedType].need.selectedNeedName}}
Selected
Edit
{{ss.stepData.steps[ss.stepData.selectedType].need.preSelectionData}}
-
{{ss.stepData.steps[ss.stepData.selectedType].package.name}}
From ${{ss.stepData.steps[ss.stepData.selectedType].package.amount}}* {{steps.paymentFrequencyForDisplay(steps.paymentFrequency).toLowerCase() || ss.paymentFrequencyForDisplay(ss.stepData.paymentFrequency).toLowerCase()}}
Package
Edit
{{ss.stepData.steps[ss.stepData.selectedType].package.preSelectionData}}
-
{{ss.stepData.steps[ss.stepData.selectedType].hospital.name}}
From ${{ss.stepData.steps[ss.stepData.selectedType].hospital.amount}}* {{steps.paymentFrequencyForDisplay(steps.paymentFrequency).toLowerCase() || ss.paymentFrequencyForDisplay(ss.stepData.paymentFrequency).toLowerCase()}}
Package
Edit
{{ss.stepData.steps[ss.stepData.selectedType].hospital.preSelectionData}}
-
{{ss.stepData.steps[ss.stepData.selectedType].extra.name}}
From ${{ss.stepData.steps[ss.stepData.selectedType].extra.amount}}* {{steps.paymentFrequencyForDisplay(steps.paymentFrequency).toLowerCase() || ss.paymentFrequencyForDisplay(ss.stepData.paymentFrequency).toLowerCase()}}
Package
Edit
{{ss.stepData.steps[ss.stepData.selectedType].extra.preSelectionData}}
-
Excess
{{ss.stepData.steps[ss.stepData.selectedType].excess.selectedExcess}}
Edit
{{ss.stepData.steps[ss.stepData.selectedType].excess.preSelectionData}}
-
Stay In Touch
{{ss.stepData.steps[ss.stepData.selectedType].stayInTouch.selectedValue}}
Edit
{{ss.stepData.steps[ss.stepData.selectedType].stayInTouch.preSelectionData}}
-
Total from
${{ss.stepData.steps[ss.stepData.selectedType].total.amount}}* {{steps.paymentFrequencyForDisplay(steps.paymentFrequency).toLowerCase() || ss.paymentFrequencyForDisplay(ss.stepData.paymentFrequency).toLowerCase()}}
Purchase


Step one Some basic details

We want to help you select the right cover - The more we know, the better job we'll do

I'm looking for
{{ steps.stateMapping = {"N":"NSW","V":"VIC","Q":"QLD","S":"SA","W":"WA","T":"TAS","A":"ACT","X":"NT"};"";}} {{ steps.stateMapping = {"N":"NSW","V":"VIC","Q":"QLD","S":"SA","W":"WA","T":"TAS","A":"ACT","X":"NT"};"";}}
I live in
I'm
Already with HCF? Existing HCF members cannot change their cover online at this time. Please call 13 13 34 to discuss your options.
Next step

Step two Australian Govt rebate

Now you need to select your Government rebate - There are four tiers based on income

For tax, I'm registered as
My annual income is between
Based on what you've told us, we will reduce your premium by the following rebate amount:
base tier
tier 1
tier 2
tier 3
no rebate
Understanding the rebate The Australian Government Rebate helps you cover the cost of health insurance by reducing your premium. The level of rebate you are entitled to is dependent on age and income. If you choose not to tell us your income range, we won’t apply any rebate reduction to your premium. However, if you are eligible to receive a rebate from the Australian government, you may still claim your rebate as a refundable tax offset when you lodge your tax return.
Next Step
{{ steps.rebateData = { "B": { "base tier": { "value": "25.059", "code": "RB" }, "tier 1": { "value": "16.706", "code": "1B" }, "tier 2": { "value": "8.352", "code": "2B" }, "tier 3": { "value": "0", "code": "3B" }, "no rebate": { "value": "0", "code": "-1" } }, "C": { "base tier": { "value": "29.236", "code": "RC" }, "tier 1": { "value": "20.883", "code": "1C" }, "tier 2": { "value": "12.529", "code": "2C" }, "tier 3": { "value": "0", "code": "3C" }, "no rebate": { "value": "0", "code": "-1" } }, "D": { "base tier": { "value": "33.413", "code": "RD" }, "tier 1": { "value": "25.059", "code": "1D" }, "tier 2": { "value": "16.706", "code": "2D" }, "tier 3": { "value": "0", "code": "3D" }, "no rebate": { "value": "0", "code": "-1" } } };"";}}

Step three Your healthcare needs

Budget conscious or want complete peace of mind? - Choose the box that best describes you

{{ steps.needMapping = { AMT:"Avoid Medicare Tax", HBC:"Happy with basic cover", PB:"Planning to have a baby", CWF:"Covering the whole family", FE:"Focused on extras", LTC:"Looking for top cover", all : "View all packages" } ;""}}
Tooltip text
Next step
Loading

Step Four Our recommendations

These packages reflect your choices - View the details to decide which is right for you

Can't find the right package? Customise your cover

Select your payment frequency

{{package.name}}

{{package.packageOnlyText}}

Package from ${{ps.packageDataService.getPrice(package, steps.paymentFrequency)}}*{{steps.paymentFrequencyForDisplay(steps.paymentFrequency)}}

From ${{ps.packageDataService.getPrice(package, steps.paymentFrequency)}}* {{steps.paymentFrequencyForDisplay(steps.paymentFrequency)}}

I don't want cover Choose this cover Choose this package Choose this cover I don't want cover Choose this package Remove cover Remove extra

{{package.name}}

  • {{package.topFeatures[0].featureText}}
  • {{package.topFeatures[1].featureText}}
  • {{package.topFeatures[2].featureText}}

{{package.hospital.name}}

  • {{package.hospital.topFeatures[0].featureText}}
  • {{package.hospital.topFeatures[1].featureText}}
  • {{package.hospital.topFeatures[2].featureText}}

+ {{package.extra.name}}

  • {{package.extra.topFeatures[0].featureText}}
  • {{package.extra.topFeatures[1].featureText}}
  • {{package.extra.topFeatures[2].featureText}}
tooltip text Select up to 4 products to compare
View detail View detail Compare cover detail
Close×

{{sp.name}}

From ${{ps.packageDataService.getPrice(sp, steps.paymentFrequency)}}*

{{steps.paymentFrequencyForDisplay(steps.paymentFrequency).toLowerCase()}}

Choose

{{sp.name}}

From ${{ps.packageDataService.getPrice(sp, steps.paymentFrequency)}}*

{{steps.paymentFrequencyForDisplay(steps.paymentFrequency).toLowerCase()}}

Choose

{{sp.hospital.name}} in detail

{{sp.name}} in detail

{{sp.extra.name}} in detail

{{category.title}} {{category.title}}

{{limitGroupOne.title}}

{{limitGroupOne.description}}

  • {{limitGroupTwo.serviceName}} {{limitGroupTwo.benefit}}

{{sp.name}} in detail

{{category.title}} {{category.title}}

{{limitGroupOne.title}}

{{limitGroupOne.description}}

  • {{limitGroupTwo.serviceName}} {{limitGroupTwo.benefit}}
Already with HCF? Tooltip text
Next step

step five select hospital excess

Finally, decide what hospital excess you can pay - A higher excess means lower premiums

You'll pay ${{steps.packageDataService.getExcessPrice(excess, steps.paymentFrequency)}} {{steps.paymentFrequencyForDisplay(steps.paymentFrequency)}}

Next step

your cover summary

Your hospital cover package

{{steps.ss.steps[steps.ss.selectedType].package.name}}

From ${{steps.ss.steps[steps.ss.selectedType].package.amount}} * {{steps.paymentFrequencyForDisplay(steps.paymentFrequency)}}

=

Your cover price

From
${{steps.ss.steps[steps.ss.selectedType].total.amount}}*
{{steps.paymentFrequencyForDisplay(steps.paymentFrequency)}}

From {{steps.selectedFutureDatePackage.rateChangeEffectiveDate}}, the new price will be ${{steps.dualPriceForDisplay(steps.paymentFrequency)}}*

Price available until
1st April
Select your payment frequency
Continue
Private mode not supported. Exit private mode to continue using site.
Important information

* The price quoted excludes any Lifetime Health Cover loading.

Before applying to join any of the HCF Hospital and/or Extra Product options, it is important that you read and understand the product information for the cover you have selected. We recommend that you read the Product summary to obtain more details of inclusions, exclusions, waiting periods and limits that may apply.