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      Life & Recover Cover

      We’re here for you with Recover Cover – a unique range of recovery and life insurance products to help with the unexpected costs that come with recovery.

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        • Recover Cover made for you
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      Travel

      Planning a trip? HCF has got you covered. Choose from budget, comprehensive or annual plans that cover international and domestic travel.

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        Pet

        Protect your pet with cover tailored to their life-stage and needs.
        HCF members save up to 15%.

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    • Members
      • Manage your health

        Manage your health

        Programs and resources that help you take control of your physical and emotional health.

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        No-gap services

        Looking after your health is easier with 100% back on six key extras.

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          • No-Gap Emergency Dental
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        Access medical resources

        Knowledge is the key to making informed decisions about your health. Our medical resources offer valuable insight.

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        HCF members can save on online GP consultations, our travel and pet cover and enjoy other special offers.

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          We have more than 50 branches across Australia. Visit one to join, access advice, claim in person and more. Find your nearest branch here.

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          • Participating hospitals

            Participating hospitals

            We help HCF members avoid out-of-pocket costs by negotiating charge agreements with private hospitals. Find your nearest participating hospital here.

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            • Find a participating provider

              Find a participating provider

              Looking for an HCF participating doctor or extras provider? Use our tool to see their biographies and contact details.

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              • About HCF

                About HCF

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                HCF Research Foundation

                Our charitable trust was set up to encourage research and enquiry into the provision, administration and delivery of health services in Australia.

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                  Media centre

                  Welcome to the HCF Media Centre. Here you can access HCF media contacts, releases and downloads.

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                  Find out what it's like to work at HCF, and search for current job opportunities.

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                      Manage your health

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                      No-gap services

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                    • Access medical resources
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                      Access medical resources

                      • Free heart health checks
                      • Preparing for hospital
                      • Online GP consultations
                      • Second opinion service
                      • Treatment at Home
                      • Online Medical Consultations
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