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- - Compare & Switch 
  - 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.
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Health
- - Health
  - Discover the benefits of private health insurance for you and your family, including comprehensive health support and how to find a provider near you.
  - Why health insurance
  - Find health insurance cover
  - Corporate health search
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  - Health programs
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Overseas Visitors
- - Overseas Visitors Health Insurance (OVHC)
  - 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).
  - Online GP Consultations
  - Get a quote Find out more
Life
- - HCF Life and Recover Cover
  - 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.
  - Why Life Insurance and Recover Cover
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  - Find out more
Travel
- - Travel
  - 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.
  - Find out more
Pet, Home & Car
- - Pet, Home & Car
  - 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.
  - Pet
  - Home & Contents
  - Landlord
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Flip
- - Flip
  - Flip helps you to embrace life's moments with simple, affordable insurance and easy access to preventative dental care.
  - Flip insurance
  - Flip Dental
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About HCF
- - About HCF
  - Learn more about Australia’s largest not-for-profit health fund, how we reward our members, HCF benefits, partnerships, research initiatives and more.
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  - Get help
  - Get a quote

What can I do in an HCF online account?

If you’re the primary policyholder on an HCF health insurance policy, you can set up an online account to:

claim for extras and ambulance
make a premium payment
update your contact and payment details
get a benefit estimate
save with HCF Thank You loyalty rewards
find your nearest health provider.

How do I access my HCF online account?

You can access your online account through:

the HCF My Membership app

the online member services website.

What do I need to register for an HCF online account?

To register your HCF online account, you’ll need:

your HCF membership number as the primary policyholder
the email account or mobile number connected to your policy.

How do I register for an HCF online account?

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:

Go to online member services and select 'Register'.
Enter your membership number as the primary policyholder.
Enter your first and last name exactly as it appears on the membership for the primary policyholder. Only an exact match will allow registration. Select ‘Register’.
We’ll send a confirmation email to the email account linked to your policy. Follow the ‘Complete your registration’ link. The link is valid for 1 day.
Create a password to log in to your account. Select ‘Save’.
You’re now ready to log in to online member services and the app.

Need help registering? Chat to us.

I haven’t received a confirmation email

If you haven’t received an email:

check your junk or spam folder
check any other email accounts you have. Your HCF account might be connected to a different email address
make sure you haven’t blocked any emails from donotreply@hcf.com.au.

The registration link doesn’t work

The registration link is only valid for 24 hours. If it has expired you’ll need to restart the registration process.

I can’t remember if I’ve registered previously

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.

How do I log in to my HCF account?

To log in to your account:

Download the My Membership app or go to online member services.
Enter your membership number and password.
Select ‘Sign in’.
We’ll send you a confirmation code via SMS or email. Please allow a minute for it to arrive.
Once it arrives, enter the code on the confirmation screen.
You’re now logged in to your HCF account.

I’ve forgotten my membership number

Your membership number can be found:

on the front of your HCF membership card
at the top of any letters or emails from us.

Only the primary policyholder can log in to online member services.

Need help with logging in? Chat to us.

I’ve forgotten my password

Try resetting your password. It must:

be at least 8 characters long
include at least one lower case letter
include at least one upper case letter
include at least one number.

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:

checking your junk or spam folder
checking any other email accounts you have, as your HCF account might be connected to a different email address
making sure you haven’t blocked any emails from donotreply@hcf.com.au.

If you’re using a password manager, make sure it’s updated with your current password.

Need help with logging in? Chat to us.

I’m locked out of my account

After too many failed login attempts, your account will be locked. Please try again later.

I need to update my email or phone number

To update your contact details, log in to your account via the My Membership app or online member services and go to 'My Details'.

Web browser and system settings

If you’re having trouble logging into online member services, try the following:

Ensure cookies are enabled in your browser.
Try using a different browser, like Chrome, Firefox or Microsoft Edge.
Make sure your browser is up to date and JavaScript is enabled.

About multi-factor authentication

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.

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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.

See the benefits

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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.

Find cover

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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.

Learn more

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.

Call us

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

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.

Contact support

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

Compare & Switch

Health

Overseas Visitors Health Insurance (OVHC)

HCF Life and Recover Cover

Travel

Pet, Home & Car

Flip

About HCF

Your Online Account

What can I do in an HCF online account?

How do I access my HCF online account?

What do I need to register for an HCF online account?

How do I register for an HCF online account?