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HCF members on the following cover receive free overseas travel insurance:

  1. Fit and Free
  2. Young Starter^
  3. Premium Hospital
  4. Mid Plus Hospital with Silver Plus Extras, Gold Extras or Platinum Extras
  5. Top Plus Hospital* (with travel)  

^ For members on Young Starter who's cover will be changing from 1 April 2019, your free overseas travel insurance will have the same level of cover and conditions of use as included in the Young Starter conditions of use document.

*As a Top Plus Hospital policyholder, you are only eligible for free travel insurance if this bonus cover was awarded to you as part of an HCF promotion. To determine if you're eligible for free cover, please call us on 13 13 34

If you're eligible for free overseas travel insurance, the cover includes:

  • unlimited sum insured for overseas medical and hospital emergency expenses
  • cover for overseas emergency dental expenses as a result of injury
  • cover for flight cancellation costs
  • cover for extra expenses caused by scheduled transport delays
  • up to $5,000 towards overseas hospitalisation
  • up to $10,000 for accidental loss of luggage (sub-limits apply)
  • up to $100,000 for accidental death
  • up to $300 for emergency replacement of delayed luggage
  • up to $2,000 for rental vehicle excess
  • cover for costs of replacing personal travel documents
  • up to $2,500,000 for personal liability
  • a 24 hour emergency assistance hotline. 

If you aren't eligible for this free overseas travel insurance, or the cover doesn't meet your needs, here are some alternatives you may like to consider.


  • this cover is available to members aged 74 and under
  • pre-existing medical conditions aren't covered
  • maximum duration of coverage is 90 consecutive days
  • available only if HCF membership is current and paid up (e.g. if you suspend your HCF health cover when you travel overseas you won't be eligible for free overseas travel insurance.)

Conditions of use Downloads

Premium Hospital and Mid Plus Hospital with Extras Overseas Travel Insurance

813.3KB PDF

Young Starter Overseas Travel Insurance


Fit and Free Overseas Travel Insurance

725.6KB PDF

Top Plus Hospital with Travel Overseas Travel Insurance

796.5KB PDF

Important information

* The Hospitals Contribution Fund of Australia Limited (HCF) ABN 68 000 026 746 (AFSL 241414) has arranged for overseas travel insurance cover (Cover) under and by way of a master policy issued by AIG Australia Limited ABN 93 004 727 753, AFSL 381 686 (AIG) to HCF. This Cover is available to you while you remain a Fit and Free, Top Plus Hospital (only where purchased during the relevant promotional period), Premium Hospital, Mid Plus Hospital (when combined with Silver Plus, Gold or Platinum Extras), or Young Starter policyholder, subject to our or AIG's right to remove or alter the Cover on 30 days’ notice. The terms, conditions and Excluded Services of the Cover are specified in the ‘Conditions of Use’ (above) as amended, and must be reviewed to make sure that the Cover meets your needs.

HCF is not the issuer or insurer of the Cover but has arranged this Cover with AIG. Neither HCF nor any of its related corporations guarantee any of the benefits under the Cover. HCF does not hold anything on trust for, or for the benefit of, or on behalf of, you in relation to this Cover. If you meet the eligibility criteria, this Cover is provided at no additional cost to you. HCF does not receive any commission or remuneration from AIG for arranging this Cover. Neither HCF nor any of its related corporations are Authorised Representatives (under the Corporations Act 2001 (Cth)) of AIG and any financial service provided by HCF in relation to the Cover is under their own AFSL. Access to the Cover is provided to you solely by the statutory operation of section 48 of the Insurance Contracts Act 1984 (Cth). This means that any eligible or admitted claim you make under the Master Policy will be covered and paid by AIG.