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Understanding proposed changes to the Government Rebate

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Private health insurance that’s right for you

No matter what stage of life you’re at, your health cover should work for you. That’s why we put you in control with a range of options for peace of mind.

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Singles

Whether it’s for everyday health services, peace of mind or to save at tax time, find singles cover for your lifestyle.

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Couples

Outstanding cover for you and your partner so you can focus on what matters most and live the life you want together.

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Families

From single to 2-parent homes, families with 2 mums or 2 dads, kids or adult-dependants, find cover for every family.

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Life

With HCF Life* insurance, you can protect your family’s future when you’re not around or get support when you’re unable to work.

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Visit our help hub for more support

Find answers to common questions for other insurance products, plus access to helpful tools, resources and more.

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Looking for something else?

If you can’t find what you’re looking for, our team are ready to help and guide you in the right direction.

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Get in touch with our team between Monday to Friday, 8am to 8pm (AEST/AEDT) or on Saturday, 9am to 1pm (AEST/AEDT).

Call us on 13 13 34
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Report a fraud or scam

If you’ve received something and are unsure if it’s a message from us, get in touch with our team or report it as suspicious to Scamwatch.

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Important Information

* Our Life and Recover Cover products are issued by our own HCF Life insurance Company Pty Ltd. ABN 37 001 831 250. AFSL 236 806 (HCF Life). HCF Life is a wholly owned subsidiary of The Hospitals Contribution Fund of Australia Limited ABN 68 000 026 746, AFSL 241414 (HCF). Terms and conditions apply. Please read the relevant Product Disclosure Statement, Policy Document and Financial Services Guide available by calling 1800 560 855 or visiting hcf.com.au/lifeinfo, and consider your financial situation, objectives, and needs before deciding on these products as any advice provided does not take these into account. In addition to these documents, you should also read the Target Market Determination (TMD) for the product, which is available at hcf.com.au/lifeinfo. The premiums for Recover Cover products are paid to HCF Life. HCF receives commission from HCF Life for their sale of up to 40% of the first year’s premium plus an additional commission of 80% of HCF Life’s underwriting profit each year calculated as premiums less claims and expenses. HCF’s staff may receive an incentive depending on the annual premium of these products which they sell. This will not exceed 15% of the first year’s premium.

HCF acknowledges the traditional custodians of the lands and water upon which we work and live. We acknowledge Aboriginal and Torres Strait Islander peoples’ rich history as traditional healers and scientists, who have taken care of the health of the land and its people for thousands of years. We give thanks to elders past and present, who we have much to learn from on our reconciliation journey. View our Reconciliation Action Plan