8 ways HCF cover is looking out for your family

Health Agenda
Research & Insights


Whatever the shape or size of your family, HCF has you covered for all stages of your life. Here are 8 ways we give you Uncommon Care.

Whether your home is made up of you and a new bub, you and your kids, or a whole clan, we have programs and services to help you look after the health and wellbeing of the whole family.

100% back on dental check-ups and popular extras

Our dental care program has you and your family covered for life’s important milestones. From your child’s first dental visit, straightening your teens’ smile, through to veneers and care for their teeth in later years. That’s why HCF members can get 100% back* on 1 or 2 dental check-ups a year as well as a first visit to a physio, chiro or osteo with over 16,000 extras providers in our No-Gap network.

Helping your kids with their big feelings

Mental health matters to HCF and recently, our children have needed extra support to navigate change and uncertainty. HCF members with hospital or extras cover have access to Calm Kid Central^, an online educational and support program helping kids aged 4-11 manage their big feelings and emotional challenges. The program provides confidential access to an experienced child psychologist who can answer your questions within 48 hours, as well as tools and resources to help you support your child.

Building Healthy Families for Life

In partnership with Ethos Health, our Healthy Families for Life support+ is designed to encourage kids to develop positive nutritional habits for growth and development, reduce the risk of chronic conditions in their future and help parents role model healthy eating behaviours. 

Great value for families

Raising children can put a dent in your wallet. That’s we try to find ways to keep money in your pocket.

  • No excess for kids. Believe it or not, you pay $0 excess for kids aged under 25 on your family cover no matter how many times they go to hospital (excludes Accident Only Basic cover).
  • Kids go free. You don’t pay more for your kids (whether you have 1 or many) when you add them to your family cover.

Navigating Parenthood podcast

Becoming a parent can be the greatest and hardest thing you’ll experience, and across 4 seasons of our Navigating Parenthood podcast, we meet the parents and experts who prove it. In our fourth and most recent season, dad and host Dylan Lewis talks to parents about raising mentally strong kids, navigating the online universe and tackling identity and belonging with your tweens.

Support through the pregnancy journey

Depending on your cover, you may be able to claim on a range of programs and services# for support through pregnancy and after birth, including childbirth education classes (face-to-face, as well as access to Birth Beat’s online courses), breastfeeding consultations, and antenatal and postnatal group physio. You might also be able to claim on pregnancy compression garments and breastfeeding support from the Australian Breastfeeding Association.

More choice for your family's care

At HCF, you have choice on how you want to manage the health of your family by deciding the specialist who treats you and where you’re treated. Follow the recommendation of your GP or specialist to find a doctor, or research our Dr Gap tool to find a participating provider. You can also compare hospitals within our network using our online tool.

Investing in a better future

As a not-for-profit health fund, we invest in initiatives to help members. We’ve invested in the future of healthcare through our HCF Research Foundation and the HCF Catalyst program, which drive research and innovation in the delivery of affordable and accessible health services for our members and all Australians.

Updated June 2022

Looking for a family package?

If you’re planning to have kids, or adding to your growing family, then HCF’s My Family Silver Plus packages have been designed to cover you for the journey ahead. They include flexible extras limit so you can claim for the included services your family needs most, or even childbirth classes and postnatal support. Call us on 13 13 34 to chat about what cover options might be right for you and your loved ones.

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Important Information

This communication contains information which is copyright to The Hospitals Contribution Fund of Australia Limited (HCF). It should not be copied, disclosed or distributed without the authority of HCF. Except as required by law, HCF does not represent, warrant and/or guarantee that this communication is free from errors, virus, interception or interference. All reasonable efforts have been taken to ensure the accuracy of material contained on this website. It’s not intended that this website be comprehensive or render advice. HCF members should rely on authoritative advice they seek from qualified practitioners in the health and medical fields as the information provided on this website is general information only and may not be suitable to individual circumstances or health needs. Please check with your health professional before making any dietary, medical or other health decisions as a result of reading this website.

*100% back from 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 booking your appointment. See hcf.com.au/100back

^Excludes Accident Only Basic cover and Overseas Visitors Health Cover.

+All HCF members with any HCF health insurance product (excluding Overseas Visitors Health Cover) are eligible to access the Healthy Families for Life online resources. Other conditions apply for additional support, see hcf.com.au/healthyfamilies

#A 2 month waiting period applies and depends on annual limits. Before you start any program, check you’re on eligible cover and the provider of the programs is recognised by us. If you’re unsure, call 13 13 34 or visit a branch.