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Cancel within 30 days and get a 100% refund (if you haven't claimed)++

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*Australian Government Rebate applied and excludes Lifetime Health Cover loading
Cancel within 30 days and get a 100% refund (if you haven't claimed)++
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OVERVIEW
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Included means services and treatments are covered and you'll have less out-of-pocket expenses.

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Restricted means hospital benefits are limited and you may have higher out-of-pocket expenses for these services and treatments.

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Excluded means no hospital benefits are payable and you'll pay all out-of-pocket expenses for these services and treatments.

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WHY CHOOSE HCF?

hcf-good-choice
MOST CANSTAR AWARDED HEALTH FUND

We've won more Canstar Health Insurance Awards than any other insurer in 2024~, including the 2024 Outstanding Value Health Insurance Award, which we've won 9 years in a row.

 
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GIVING MORE MONEY BACK

For every dollar our members pay in premium, we've paid out more benefits than the industry average over the last 10 years+.

 
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HCF THANK YOU LOYALTY PROGRAM

You don't have to be unwell to get great value from your cover with our range of exclusive and rewards#.
IMPORTANT INFORMATION

* The Australian Government Rebate you have selected in the quote process has been applied to the premium. The premium does not include any Lifetime Health Cover loading. Click here for information about whether a Lifetime Health Cover loading must be added to your premium.

~ Outstanding Value Health Insurance Award 9 years in a row (2016-24). Winner of the 2024 Hospital Insurance Award in WA, SA and Qld and Hospital and Extras Insurance Award in Tas, Vic and WA.

++ Available if you change your mind and cancel your HCF policy within 30 days of joining, and haven't made a claim in that period.

+ 90% compared to 86% across the industry. Calculated based on the average of the past 10 years, sourced from APRA Statistics: Private Health Insurance Operations Reports 2013-22.

# Eligibility criteria applies. You can access HCF Thank You offers after you’ve been a member for a week, and if your premiums are up to date. Excludes Ambulance Only and Overseas Visitors Health Cover. Offers and partners are subject to change without advance notice. See the HCF Thank You terms and conditions.

** 100% back through More for You providers in our No-Gap network is available on selected covers. Waiting periods and annual limits apply. Providers are subject to change. We recommend that you confirm the provider prior to your appointment.

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 consider the Product Summary to obtain full details of inclusions, exclusions, waiting periods and all limits that may apply. 

## HCF will apply six weeks free cover and waive the 2-month waiting periods on extras for eligible members in accordance with these terms (Offer). Offer commences at 00:00 ADST on Tuesday 8 October 2024 and ends at 23:59 ADST on Monday 9 December 2024 (Offer Period). To be eligible for this Offer, you must be an Australian resident, aged 18 years or over, you must join combined HCF hospital & extras cover (excluding Hospital Premium Gold cover, Corporate Hospital Premium Gold and Overseas Visitors Health Cover) (Eligible Policy), you must start your Eligible Policy during the Offer Period, and you must not have been an HCF member 2 months prior to taking out the Eligible Policy. If you're eligible, HCF will waive the 2-month waiting periods that apply to extras on your Eligible Policy. To be eligible for the six weeks free cover, you must also pay premiums for and maintain your Eligible Policy for 90 continuous days. HCF will extend the date your Eligible Policy is paid to by six weeks and may take up to six weeks to process the extension.