Mon - Fri: 8am - 8pm (AEST / AEDT)
Sat: 9am - 5pm (AEST / AEDT)
Mon - Fri: 8am - 8pm (AEST / AEDT)
Sat: 9am - 5pm (AEST / AEDT)
Looking to compare, take out private health insurance or make the switch to HCF? Find the right cover for your needs and we’ll take care of the rest.

Discover the benefits of private health insurance for you and your family, including comprehensive health support and how to find a provider near you.

Whether you’re here for work or visiting Australia, get access to the health care services you may need with Overseas Visitors Health Cover (OVHC).

Count on HCF Life & Recover Cover to stand by you during life’s unexpected challenges and reduce the financial stress on your family’s future.

Prepare for the unexpected with HCF Travel Insurance. Designed to provide cover for delayed luggage, overseas medical emergencies and more for singles, duos and families.

From furry friends to your home and the four wheels guiding you back to your loved ones, find pet insurance, as well as home and car cover options.

Flip helps you to embrace life's moments with simple, affordable insurance and easy access to preventative dental care.

Learn more about Australia’s largest not-for-profit health fund, how we reward our members, HCF benefits, partnerships, research initiatives and more.

If you’re the primary policyholder on an HCF health insurance policy, you can set up an online account to:
You can access your online account through:
the HCF My Membership app
the online member services website.
To register your HCF online account, you’ll need:
Only the primary policyholder can currently register for online member services. We’re sorry for any inconvenience this may cause. We understand giving access to other adults on your membership is important and we're currently working to make that happen.
How to register:
Need help registering? Chat to us.
If you haven’t received an email:
The registration link is only valid for 24 hours. If it has expired you’ll need to restart the registration process.
You can check whether you’ve registered an HCF online account by clicking ‘Register’ and entering your membership number and first and last name. If you’re already registered, you’ll be directed to the login screen to sign in with your membership number and password.
If you haven’t received an email:
The registration link is only valid for 24 hours. If it has expired you’ll need to restart the registration process.
You can check whether you’ve registered an HCF online account by clicking ‘Register’ and entering your membership number and first and last name. If you’re already registered, you’ll be directed to the login screen to sign in with your membership number and password.
To log in to your account:
Your membership number can be found:
Only the primary policyholder can log in to online member services.
Need help with logging in? Chat to us.
Try resetting your password. It must:
We’ll ask you to confirm your new password via an SMS code or email link.
If you’ve selected SMS, please allow a minute to receive the SMS code. Once it arrives, enter the code on the confirmation screen. If you don’t receive it, try clicking ‘Resend’.
If you’ve selected email, and your HCF account is linked to an email address, you’ll receive an email with password reset instructions. This is valid for 1 day. If you haven’t received an email, try:
If you’re using a password manager, make sure it’s updated with your current password.
Need help with logging in? Chat to us.
After too many failed login attempts, your account will be locked. Please try again later.
To update your contact details, log in to your account via the My Membership app or online member services and go to 'My Details'.
If you’re having trouble logging into online member services, try the following:
To help keep your personal information and data safe, we use mandatory multi-factor authentication for logging in to the My Membership mobile app and online member services.
To learn more about multi-factor authentication, visit our Information Security page.
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.
Whether it’s for everyday health services, peace of mind or to save at tax time, find singles cover for your lifestyle.
Outstanding cover for you and your partner so you can focus on what matters most and live the life you want together.
From single to 2-parent homes, families with 2 mums or 2 dads, kids or adult-dependants, find cover for every family.
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.
Find answers to common questions for other insurance products, plus access to helpful tools, resources and more.
If you can’t find what you’re looking for, our team are ready to help and guide you in the right direction.
Get in touch with our team between Monday to Friday, 8am to 8pm (AEST/AEDT) or on Saturday, 9am to 1pm (AEST/AEDT).
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.
© 2025 HCF All rights reserved
The Hospitals Contribution Fund of Australia Ltd. ABN 68 000 026 746 AFSL 241 414
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
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