Health Agenda

Research & Insights

8 ways HCF is looking out for your family

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

Whether your family is made up of you and your children, you and your new bub, or you and the whole clan, HCF has programs and services to help you look after your and their health and wellbeing.

100% back on popular extras

HCF members can get 100% back at participating extras providers in our No-Gap network for a dental check-up or a first visit to a physio, chiro or osteo, providing you’re on an eligible level of HCF extras cover and haven’t hit your cover limits.

Innovators working for you

As a not-for-profit health fund, HCF puts its profit into initiatives to help members, including supporting new health-tech ideas through our Catalyst program.

We’re proud to have helped launch:

  • Birth Beat: online childbirth courses, delivered by a registered midwife and educator, help you prepare for a safe birth experience.
  • SleepWellBaby:  Developed in partnership with HCF and early-years expert Tresillian, for settling newborn babies and reclaiming sleep rhythms.

Support through pregnancy

Eligible members can claim on a range of programs and services for support through pregnancy and after birth, including childbirth education classes, breastfeeding consultations, and antenatal and postnatal group physio#. You may also be able to claim on pregnancy compression garments and breastfeeding support from the Australian Breastfeeding Association#.

No-Gap Pregnancy

In an Australian-first, HCF is offering eligible members our No-Gap Pregnancy package^. From your first scan to the moment your baby enters the world, HCF and Sydney Adventist Hospital (The San) are proud to guarantee no out-of-pocket costs for parents when they join the package, which includes ultrasounds, obstetrician fees, anaesthetist costs, delivery suite and theatre costs^.

Family packages

HCF My Family Silver Plus packages meet your needs as your team grows with cover for pregnancy and birth, and extras for childbirth classes and postnatal support. There’s no change to the cost of your cover if you add more kids to your policy+ and you can use your extras on the services your family needs most. Call us on 13 13 34 for cover options.

Dependants and students

Kids and young adults listed on your membership are covered at no extra cost under your family cover until the day before they turn 22. If they’re full-time students and single, register them as student dependants and they’ll be covered for no extra cost until the day before they turn 25 or finish full-time study (whichever comes first).

If your children aren’t full-time students but are single, you can cover them until they’re 25 with Extended Family Cover, available on certain levels of cover.

Tools for kids’ mental health

Mental health matters to HCF and recently, our children have needed extra support to navigate change and uncertainty. We’ve teamed up with Netball Australia and child psychology specialists Calm Kid Central to give members practical tools and tips to help kids talk about big feelings, process change and their emotions*.

On some levels of cover, eligible HCF members can access Calm Kid Central’s online resources and child psychologists at no cost*. Contact our Health and Wellbeing team at wellbeing@hcf.com.au to find out if you’re eligible.

Navigating Parenthood podcast

Becoming a parent can be the greatest and hardest thing you’ll experience, and our award-winning Navigating Parenthood podcast meets the parents and experts who prove it. In our latest season, Imperfect Parents, our host Jessica Rowe talks to parents about work-life balance, co-parenting and separation, managing device time and what to do when the unexpected happens.


This article first appeared in the November 2020 edition of Health Agenda magazine.

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#2 month waiting period and depends on annual limits.

^Available with select obstetricians, pathology and ultrasound providers at the Sydney Adventist Hospital. Must be accepted into the program by a participating obstetrician. Depends on your level of cover (pregnancy and birth related services required). To access the HCF No Gap Pregnancy package up until 30 November 2021, you must have served the 12-month waiting period by your baby’s date of birth either with HCF or your previous fund (this is the standard waiting period for pregnancy and birth related services for new joiners to private health insurance). Excludes any policy excess. Not available to Overseas Visitor Health Cover members. To access the HCF No Gap Pregnancy package from 1 December 2021, HCF members must have held HCF Hospital Cover with pregnancy and birth related services for 12 months by the baby’s date of birth.

+Applies to dependants under 22 years and eligible student dependants under the age of 25 years. Excludes Accident Only Basic cover.

*You must have had HCF hospital cover or extras cover for 12 months, excludes Accident Only cover and Overseas Visitors Health Cover.