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Compare & Switch
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Compare & Switch
Looking to compare, take out private health insurance or make the switch to HCF? Find the right cover for your needs and we’ll take care of the rest.
- Compare Health Insurance
- Switch health insurance to HCF
- Get a quote
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Health
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Health
Discover the benefits of private health insurance for you and your family, including comprehensive health support and how to find a provider near you.
- Why health insurance
- Find health insurance cover
- Corporate health search
- Find a provider
- Health programs
- Get a quote Find out more
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Overseas Visitors
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Overseas Visitors Health Insurance (OVHC)
Whether you’re here for work or visiting Australia, get access to the health care services you may need with Overseas Visitors Health Cover (OVHC).
- Online GP Consultations
- Get a quote Find out more
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Life
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HCF Life and Recover Cover
Count on HCF Life & Recover Cover to stand by you during life’s unexpected challenges and reduce the financial stress on your family’s future.
- Why Life Insurance and Recover Cover
- Find Life Insurance and Recover Cover
- Income Protect Insurance
- Life Protect Insurance
- Find out more
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Travel
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Travel
Prepare for the unexpected with HCF Travel Insurance. Designed to provide cover for delayed luggage, overseas medical emergencies and more for singles, duos and families.
- Find out more
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Pet, Home & Car
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Pet, Home & Car
From furry friends to your home and the four wheels guiding you back to your loved ones, find pet insurance, as well as home and car cover options.
- Pet
- Home & Contents
- Landlord
- Car
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Flip
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Flip
Flip helps you to embrace life's moments with simple, affordable insurance and easy access to preventative dental care.
- Flip insurance
- Flip Dental
- Get cover now
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About HCF
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About HCF
Learn more about Australia’s largest not-for-profit health fund, how we reward our members, HCF benefits, partnerships, research initiatives and more.
- Our benefits
- Our partners
- Member care services
- Research Foundation
- Sustainability
- Loyalty program
- Get help
- Get a quote
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THE HCF THANK YOU APP
The HCF Thank You app* makes it easy to browse personalised offers and discounts, earn rewards and track savings. Plus, you can use HCF dollars to reduce your premium payments^.
MAKE EVERY DAY MORE REWARDING
Access exclusive member discounts and offers to make every day more rewarding.
Get personalised offers
Get exclusive member offers and discounts that suit you. Claim in the app and start saving today.
Track your savings
Earn HCF dollars straight to the app’s digital wallet and track your balance from the palm of your hand.
More ways to redeem
Redeem HCF dollars via an HCF Digital Prepaid Mastercard, eligible retailer e-Gift card or help reduce your health cover premiums^.
INTRODUCING HCF DOLLARS
Earn HCF dollars when you shop at participating retailers through the HCF Thank You app. 1 HCF dollar = $1 AUD.
Once your balance reaches 20 HCF dollars, you can convert it into an HCF Digital Prepaid Mastercard, an eligible retailer e-Gift card, or help reduce the cost of your health cover premiums^.
get started in 3 easy steps
Sign in
Register and link your HCF membership. Eligible members* can use the HCF Thank You app for free.
Start browsing
Access exclusive member offers and discounts and start making every day more rewarding.
TOP BRANDS, BIGGER SAVINGS
From groceries and fuel to travel and entertainment, access even more discounts, offers and rewards to help you save.
Hello Fresh
60% off your first box and 10% ongoing discount.
Woolworths
Earn up to 4% in shopping rewards with Woolworths.
Myer
Earn up to 6.25% in shopping rewards with Myer.
Priceline
Earn up to 4.5% in shopping rewards with Priceline.
Looking for more information about the HCF thank you app?
We've answered some common questions to help you get the information you need.
Our HCF Thank You app* is another way we put our money where our members are. The app lets you easily browse and access personalised offers and discounts, earn rewards and track your savings. From big brands to your local favourites, unlock more ways to benefit from the partners you love, and you can use your HCF dollars to help reduce your health cover premium payments^.
Anyone can download the HCF Thank You app, though you need to be covered under an active HCF health, life or Overseas Visitors Health Insurance policy to access the rewards and discounts (excluding Ambulance Only Cover and RT Health cover).
You also don’t need to be the policyholder to enjoy the rewards and discounts, however the policyholder on your membership will need to link your membership to the HCF Thank You app. To do this, log into the app and tap ‘Link HCF membership’ in your account’s dashboard. We’ll then email the policyholder and ask them to verify you by clicking a link.
There are over 80 participating retailers within the HCF Thank You app, who offer great offers and discounts. From Hello Fresh, Woolworths, JB HI FI and Priceline, there is something for everyone.
There are multiple ways you can claim and redeem in the HCF Thank You app. Within the app, you’ll have access to over 80 retail partners who offer on-the-spot discounts or a spend and earn capability, where you can get a percentage back on your purchases in HCF dollars.
Once you’ve earned a minimum of 20 HCF dollars in cleared funds in your app’s wallet, you can convert them into an HCF Digital Prepaid Mastercard, an eligible retailer e-Gift card or redeem it as a credit on your HCF premiums^.
The HCF Thank You app lets you access offers, rewards and discounts through our loyalty program and redeem HCF dollars.
The HCF Healthful app has been designed to help you improve and manage your health and wellbeing with the help of a 24/7 digital coach and evidence-based programs+.
The My Membership app is your health cover companion that allows you to view and change your cover, make fast claims and payments on the go, access a digital membership card and more.
Our HCF Thank You app* is another way we put our money where our members are. The app lets you easily browse and access personalised offers and discounts, earn rewards and track your savings. From big brands to your local favourites, unlock more ways to benefit from the partners you love, and you can use your HCF dollars to help reduce your health cover premium payments^.
Anyone can download the HCF Thank You app, though you need to be covered under an active HCF health, life or Overseas Visitors Health Insurance policy to access the rewards and discounts (excluding Ambulance Only Cover and RT Health cover).
You also don’t need to be the policyholder to enjoy the rewards and discounts, however the policyholder on your membership will need to link your membership to the HCF Thank You app. To do this, log into the app and tap ‘Link HCF membership’ in your account’s dashboard. We’ll then email the policyholder and ask them to verify you by clicking a link.
There are over 80 participating retailers within the HCF Thank You app, who offer great offers and discounts. From Hello Fresh, Woolworths, JB HI FI and Priceline, there is something for everyone.
There are multiple ways you can claim and redeem in the HCF Thank You app. Within the app, you’ll have access to over 80 retail partners who offer on-the-spot discounts or a spend and earn capability, where you can get a percentage back on your purchases in HCF dollars.
Once you’ve earned a minimum of 20 HCF dollars in cleared funds in your app’s wallet, you can convert them into an HCF Digital Prepaid Mastercard, an eligible retailer e-Gift card or redeem it as a credit on your HCF premiums^.
The HCF Thank You app lets you access offers, rewards and discounts through our loyalty program and redeem HCF dollars.
The HCF Healthful app has been designed to help you improve and manage your health and wellbeing with the help of a 24/7 digital coach and evidence-based programs+.
The My Membership app is your health cover companion that allows you to view and change your cover, make fast claims and payments on the go, access a digital membership card and more.
WHY CHOOSE HCF FOR YOUR HEALTH COVER?
At HCF, our focus is where it should be - on providing award-winning products, service and support to members. We call it Uncommon Care.
Most Canstar awarded health fund in 2024
We've won more Canstar Health Insurance Awards than any other insurer in 2024#.
Get going with the HCF Healthful app
Access a personalised Health Score, evidence-based health programs and a 24/7 digital coach with the HCF Healthful app+.
Find the best health cover for your needs
Find quality health cover that suits your needs with the fund that puts its members first.
Important Information
* To be eligible, you must have an active HCF health, life or Overseas Visitors Health Insurance policy and your premiums must be up to date (excluding Ambulance Only Cover and RT Health Cover). Offers and partners are subject to change without advance notice. See the HCF Thank You app Terms and Conditions.
^ Must have at least 20 HCF dollars in cleared funds. Only members who pay their premiums by credit card or direct debit can use their HCF dollars to reduce premiums.
+ Eligibility criteria apply. For more information see hcf.com.au/healthful
# Winner of the 2024 Hospital Insurance Award in WA, SA and Qld and Hospital and Extras Insurance Award in Tas, Vic and WA.
HCF acknowledges the traditional custodians of the lands and water upon which we work and live. We acknowledge Aboriginal and Torres Strait Islander peoples’ rich history as traditional healers and scientists, who have taken care of the health of the land and its people for thousands of years. We give thanks to elders past and present, who we have much to learn from on our reconciliation journey. View our Reconciliation Action Plan