Health Agenda

Research & Insights

How private health cover can help young people

Is private health insurance worth it? Even if you’re young and healthy, our programs and services can help young people take charge of their health.

Whether you’re a busy professional, sports fanatic or parent-to-be, we’ve got you covered.

Here are some of the ways you can save money, get the right health support and maximise your health cover.

You could save on tax

If you’re climbing the ladder at work and are now earning more than $90,000 a year, or your family has a combined income of more than $180,000, and you don’t have private hospital cover, you may need to pay the Medicare Levy Surcharge – up to 1.5% of your income each year. Sign up for private hospital cover and you could be off the hook.

Support for new parents

In an Australian-first, we’re offering eligible members an end-to-end No-Gap Pregnancy package* at Sydney Adventist Hospital (the San). There are no out-of-pocket costs for parents when they sign up to the package, which includes your obstetrician fees, anaesthetist costs, delivery suite and theatre costs, and diagnostics. It’s available with select obstetricians, excludes excess and eligibility criteria and a 12 month waiting period apply. To access the No-Gap Pregnancy package from 1 Dec 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. Find out more about No-Gap Pregnancy package.

For extra support before bub is born, watch our patient experience videos to help prepare for birth and learn more about post-natal care.

Eligible members can also claim on childbirth education and first aid programs from Birth Beat, as well as breastfeeding advice under their extras cover. Some waiting periods may apply.

Avoiding extra costs

About to turn 31? If you don’t take out private hospital cover from the year you turn 31, you’ll pay the Lifetime Health Cover loading – 2% extra on top of your premium for every year you’re aged over 30. This means if you take out private hospital cover when you’re 40, you could pay an extra 20% on top of the cost of your cover. This loading will be removed once you've maintained your cover for 10 years.

100% back on popular extras

Need new glasses or due to get a dental check-up? Eligible members can get 100% back on selected glasses and dental check-ups at participating extras providers in our No-Gap network^, providing you’re on an eligible level of cover and haven’t hit your limits. Read details about eligibility.

Support for mental health

More than 75% of mental health problems occur before the age of 25, reports Beyond Blue. Our mental health and wellbeing programs give eligible members great access to the right support and advice on their mental health journey. We’re proud to help connect our members to:

  • video chat with experienced clinical psychologists and psychiatrists to help you take control of your mental wellbeing in your own space and time with PSYCH2U+
  • Hello Sunday Morning’s free Daybreak app, with an online peer community to help you change your relationship with alcohol
  • Woebot# – a mental health chatbot that helps you learn about yourself, boost your mood and manage your state of mind – all based on years of research in cognitive behavioural therapy.

As part of the changes introduced because of COVID-19 all HCF members may access online GP consultations through GP2U for free> until at least 31 December 2021.

Care after an injury or accident

If you’re a keen netballer, cricketer or ballroom dancer, injuries can happen. And even if you’re not, situations like needing surgery for a broken bone can disrupt everyday life.

HCF members with hospital cover can avoid public hospital waiting lists of up to 1.5 years. Plus, extras cover for things like physio and remedial massage can help you save on expenses associated with your recovery.

Have more choice

HCF members have choice – you can often decide 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.

This article first appeared in the March 2021 edition of Health Agenda magazine.

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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.

*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.

^Depends on your cover, annual limits and waiting periods.

+Must have HCF gold level hospital cover for 12 months. Other eligibility criteria apply.

#This service is not affiliated or associated with HCF in any way. You should make your own enquiries to determine whether this service is suitable for you. If you decide to use this service, it'll be on the basis that HCF won't be responsible, and you won't hold HCF responsible, for any liability that may arise from that use.

>Some members may be eligible for Medicare benefits for a telehealth consultation with GP2U, in which case GP2U will bulk-bill those members.  For all other members, HCF will pay the GP2U consultation fee.