More for you programs

HCF is Australia’s largest not-for-profit health insurer and returns significantly more to members than the industry average of other health insurers.

Our ‘More for you’ programs reduce or eliminate out of pocket expenses: for teeth, for backs, for muscles, for eyes, for hearing aids and for feet for members with an eligible level of cover and available limits.

More information on More for you programs

More for backs


More for Backs, provides eligible members with a fully covered initial consultation for eligible musculoskeletal conditions, whether for a new health condition or flare up of an existing condition, with participating chiropractors and osteopaths.

More for feet

Fully covers a comprehensive service for a new episode of care to members each year who hold eligible extras cover with participating podiatrists.

More for muscles

More for Muscles, each year, provides eligible members with a fully covered initial consultation each year with a participating physiotherapist for a New Episode of Care.

More for teeth

Provides eligible members on selected levels of cover a range of fully covered diagnostic and preventative dental services for the whole family.

This program is available through over 12,000 participating dental providers in Australia; as well as HCF Dental Centres.

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More for eyes

More for Eyes provides eligible members who hold eligible extras cover access to free eye health checks through the use of digital retinal imaging and a range of fully covered glasses (depending on members’ health cover and available optical limit).


More for hearing

The More for Hearing program provides eligible members with access to a range of high quality hearing aids at no gap or low gap depending on level of cover.

How to apply More for you programs

To be eligible for this program, providers need to be a recognised HCF provider.

Not a recognised provider?

Simply download the application for provider recognition

Already a recognised provider?

Download the application for More for you programs

You will receive a welcome pack and further information on what it means to be a More for You provider.

Do you have a question? Contact the Provider Relations team


Phone: 1300 799 275