Get health and wellbeing support
through your health cover

Published April 2026 | 3 min read
Words by Angela Tufvesson

Key takeaways

• Health and wellbeing starts with everyday habits like getting enough sleep, eating well and moving your body.
• When you’re juggling work and other commitments, it can be easy for these basics to slip.
• HCF health cover offers support, guidance and practical tools to help you feel your best, from apps that teach you how to get better sleep and access alcohol support services to a range of weight management and joint health programs.

From help with weight management and mental health to learning how to get better sleep, here’s how your cover can support your health and wellbeing.

As Australia’s largest not-for-profit health fund, we want Aussies to have access to high-quality, affordable programs and services that help you stay healthy. HCF offers eligible members tools, guidance and tailored programs to make it easier to build healthy habits, manage everyday challenges and take practical steps towards feeling your best.

From resources that support weight management, mental health and sleep support, to apps designed to help you reach your lifestyle goals, your health cover can help improve your health and wellbeing.

Get help with weight management

Looking after your weight is an important part of overall health and wellbeing, and HCF connects you with proven, scientifically-backed programs and resources.

Advice from a clinician

If you have eligible extras cover, you may be able to claim for a dietitian-led HCF-approved weight management program^* – you’ll just need to submit a claim form and provide supporting documents. We also offer eligible members with heart conditions or diabetes free access to The COACH Program^{®^} – a four- to six-month phone coaching support program.

CSIRO Total Wellbeing Diet

Created by Australia’s national science agency, the CSIRO Total Wellbeing Diet combines a high-protein, low-GI eating plan with proven weight management tools to help improve habits and create lifelong positive behaviours. Eligible HCF members can enjoy free access or a 20% discount⁺.

Exercise classes and gym memberships

If your doctor or allied health professional has recommended an exercise or gym program to treat a specific medical condition (like arthritis, hypertension, obesity, asthma, diabetes or osteoporosis), you may be able to claim towards the cost with HCF.

Look after your joints

Strong, healthy joints make it easier to stay active and maintain your independence. HCF offers a range of evidence-based joint health programs to help you reduce pain and improve mobility.

HCF No-Gap GLA:D^® Knees Program

The GLA:D^® (Good Life with osteoArthritis: Denmark) Program for Osteoarthritis is an evidence-based early intervention treatment program for knee osteoarthritis. Eligible members^# can access the GLA:D^® Program for Osteoarthritis through HCF’s No-Gap GLA:D Knees Program with no gap to pay. The exercise program has been designed to help knee osteoarthritis symptoms by reducing pain, improving strength and mobility and helping to avoid or delay the need for knee replacement surgery^**.

Osteoarthritis Healthy Weight for Life

HCF members living with osteoarthritis of the hip or knee joints could be eligible for the Osteoarthritis Healthy Weight for Life program^{^^}, which is designed to help reduce joint pain, improve mobility or prepare you for hip or knee surgery.

Learn how to get better sleep

Along with diet and exercise, sleep is the third pillar of health and wellbeing, helping the body to rest, repair and regulate physical and mental wellbeing. HCF offers tools and guidance to help you rest better.

Sleepfit app

Two in three adults report at least one sleep problem. If you’re one of them, the Sleepfit app can help you identify sleep issues, recommend improvements and provide personalised tools to help you get good-quality sleep that supports your wellbeing. Eligible members⁺⁺ can enjoy a free 12-month subscription.

Find alcohol support services

Managing your alcohol consumption is an important part of a balanced lifestyle, and quitting comes with many health benefits.

Daybreak app

If you find you’re drinking more to get through tough times, Daybreak – an app developed by innovative not-for-profit Hello Sunday Morning – can help you take the first step to changing your relationship with alcohol for the better. It gives you anonymous access to a supportive environment and community to set alcohol-related behaviour change goals, plus you can use the app's Drink Tracker to monitor your drinking habits. HCF members may also have access to additional mental health support^##.

Prioritise your mental health and wellbeing

Everyone's mental health journey is different and finding where to go for support for yourself and your family can be challenging. HCF provides practical tools and professional guidance to help you manage stress, anxiety and emotional wellbeing.

HealthyMinds Check-in

We’re committed to providing members with fast, easy access to mental wellbeing support. Eligible members can get a free annual HealthyMinds Check-in^*** – a 20- or 50-minute one-on-one chat from the comfort and privacy of your home with a psychologist. The HealthyMinds Check-in also includes access to specially trained psychologists for young people aged 12 to 17.

THIS WAY UP

THIS WAY UP connects members to more than 18 evidence-based, online CBT treatment programs designed to help you understand and improve mental health challenges like stress, insomnia, anxiety, depression and chronic pain. Members with eligible extras cover^*** can claim benefits to cover the cost of eligible programs (up to your annual limits).

Reach your goals with the HCF Healthful app

If you’re trying to improve your sleep, maintain a healthy weight or simply work on your overall wellbeing, the right tools can help you stay on track. With the HCF Healthful app^{^^^}, you can discover our health programs and services as you work towards your health goals. Plus, you’ll get a personalised Health Score to get a real-time snapshot of your health to identify which areas of your wellbeing need more focus.