GET A BONUS ANNUAL ONEPASS MEMBERSHIP PLUS up to 150,000 FLYBUYS POINTS
Receive a bonus annual OnePass membership valued up to $40. OnePass membership is charged at $40 per year thereafter, unless cancelled. Plus, up to 150,000 points when you join and stay on new eligible HCF cover for at least 10 months. T&Cs apply.
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FLEX MY EXTRAS
Health insurance doesn't have to be complicated. That’s where Flex My Extras comes in. It’s basic extras cover with a single limit plus an additional optical limit~~ that helps you get more back on the extras you’ll actually use.
Join Flex My Extras and spend your limit your way.
HEALTH AND WELLBEING SUPPORT
Our industry-leading health and wellbeing programs are pretty uncommon, helping members live happier, healthier lives.
Leading Mental Health Programs
Access a range of holistic mental health and wellbeing programs providing eligible members with access to the right support, at the right time - that's Uncommon Care.
100% Back on Extras
You can get 100% back* on a dental check-up or first visit to a physio, chiro or osteo when you see an extras provider in our No-Gap network.
ALL YOUR DENTAL NEEDS, COVERED
Our Dental Centres provide high-quality treatment at affordable rates for a whole range of dentistry needs for you and your family.
OUR MEMBERS HAVE TAKEN OVER OUR ADS
At HCF, we’re always giving members more value.
Like winning more Canstar Health Insurance Awards than any other insurer in 2024++, discounted e-gift cards on everyday essentials+ and 100% back* on popular extras through our No-Gap network. And our members have even taken over our advertising. Look out for their stories.
MENOPAUSE MATTERS PODCAST
Join host Alison Brahe-Daddo as she chats with leading experts to unpack the experience of perimenopause and menopause, including ways to manage your symptoms, how to navigate your career, mental health and relationships during this time, as well as the joys of life post-menopause.
OUTSTANDING VALUE HEALTH INSURANCE 9 YEARS IN A ROW
At HCF, our focus is where it should be – on providing great value insurance for our members.
That's why we're pleased to announce we've won this year’s Canstar Health Insurance Awards' highly coveted Outstanding Value Award for Health Insurance for the 9th year in a row (2016 to 2024).
We were also recognised for continuing to provide outstanding value across Hospital and Hospitals and Extras State Awards for 2024, including:
- Hospital Insurance Award – WA, SA and Qld
- Hospital and Extras Insurance Award – Tas, Vic and WA
We’re proud that our cover has been recognised by independent review body Canstar for meeting Australians’ needs and budgets. Just another way we’re putting our money where our members are.
Empowering women to take charge of their health
Managing good health and making informed decisions starts with the right information.
Our Women's Health Hub gives you practical information and real-life stories to take charge of your health and wellbeing, covering topics like endometriosis, fertility, mental health, fitness, sexuality, pregnancy and menopause.
Flybuys Points Guide
Collect Flybuys points when you join eligible HCF health cover and stay for at least 10 months.
Points guide:
| Annual premium | Flybuys points |
Flybuys Dollars### |
|---|---|---|
| $6,000+ |
150,000 | $750 |
| $5,000 - $5,999 | 110,000 | $550 |
| $4,000 - $4,999 | 85,000 | $425 |
| $3,000 - $3,999 | 65,000 | $325 |
| $2,000 - $2,999 | 48,000 | $240 |
| $1,000 - $1,999 | 24,000 | $120 |
| Less than $999 | 14,000 | $70 |
Important Information
~~ Waiting periods apply. Flexible $650 single limit plus $175 optical limit per person per year.
* 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.
+ 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 HCF Thank You terms and conditions.
++ Outstanding Value Health Insurance Award 9 years in a row (2016-24). Winner of the 2024 Outstanding Value Health Insurance Award, Hospital Insurance Award in WA, SA and Qld and Hospital and Extras Insurance Award in Tas, Vic and WA.
### Flybuys points can be converted to Flybuys Dollars in multiples of 2,000 points only. Every 2,000 points equates to $10 Flybuys Dollars. Flybuys Dollars may be used in-store only at Coles Supermarkets, Coles Express, First Choice Liquor Market, Kmart, Liquorland, Officeworks, Target and mycar. Physical Flybuys card must be presented at checkout. Flybuys points and Flybuys Dollars have no cash or monetary value. Flybuys Standard, Rewards and Dollars T&Cs apply and can be found at flybuys.com.au.
