Why ChooseHCF?

There are a lot of health funds out there, and it can be hard to decide why you should pick one over another.

Last year HCF grew more memberships than all other Australian health funds combined? So why should you choose (or stay with) us? We’re not going to try and convince you with a sales pitch or flashy marketing; we’re going to rely on the facts. 


Here’s how we’re different:

We’re Australia’s largest not-for-profit health fund. Our focus is on providing great value health insurance, not profits for shareholders.
We’re in this for our members, no one else. Everything we do is about putting you first.
We’re 100% Australian operated with Australian call centres.
We’re run by, and most importantly, for Australians. 
We were voted Australia’s most trusted health fund by the Roy Morgan Net Trust Survey 2 years in a row+.
We’re really proud of this – trust is hard won and easily lost. We pride ourselves on being as transparent as possible.  
Of the premiums we receive, we pay back more in claims than the industry average. We’re always looking for ways to provide extra value to our members. We genuinely want you to get the most from your cover – if you’re covered for something, we want to pay your claim.
Our comprehensive Thank You program gives you additional rewards and discounts the longer you stay with us.
We value your loyalty. We also want to help you save money, whether it’s on essentials or hard-earned treats.


This isn’t about why you should have hospital or extras cover, these are just some of the ways we make sure your cover is value-for-money.

We offer flexible excess options*. (The excess is the amount you pay if you have planned hospital treatment.)
You have more control over the cost of your cover.

A higher excess brings down the cost of your cover. A lower excess means you’ll pay less if you make a claim, but your premium will be higher.
You won't pay an excess if you need hospital treatment after an accident.You'll also get the benefits of our top level of hospital cover for 90 days after your accident Less financial stress at a time of emotional stress.
If you're retrenched from your job, we’ll pay the hospital cover premiums of eligible members for up to 6 months#.
You shouldn’t have to worry about coverage gaps while you’re finding a new job.
We help you avoid or reduce the gap between the amount that your doctor charges and the amount that you can claim on your private health insurance.
We want your insurance to cover as much of your costs as possible – that’s why you bought it in the first place.

We’re the first health fund to partner with Healthshare to help you and your GP find a specialist that will charge no gap or a known gap.
If you visit an HCF Dental Centre or More for Teeth provider you can get 100% back on a dental check-up and clean^.
The cost of dental treatment puts a significant number of Australians off going to the dentist. Keeping your teeth healthy with regular check-ups is important for your overall health.
You can get up to 100% back on a range of glasses through our More for Eyes network^^.
Prescription glasses or contact lenses shouldn’t be a luxury.
We provide access to a range of health and wellbeing programs to help you be your healthiest self. We want you to be proactive about your health. Because no one wants to get sick or injured, especially if it’s preventable.

Learn more

WHY should i have health cover?

Wondering why you should bother? Get the facts on what it could do for you – free of hard sell.

Get cover that’s right for you

Confused about your options? Here's how to choose cover that works for you.


Understanding doctors' fees and charges is the key to avoiding bill shock. Here's what you need to know.


Being an active participant in your health care can help you live a longer, healthier life. Find out how.


Roy Morgan, Net Trust Survey, 2018 & 2019.

* Excludes accident only cover.

# Excludes extras only, ambulance only and Overseas Visitors Health Cover.

^ Subject to your level of cover and annual limits. Waiting periods may apply to new members.

^^ Excludes add-ons, such as high index material, coatings and tinting. Subject to annual limits. Waiting periods apply for new members.