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COUPLES HEALTH INSURANCE

For outstanding value couples health cover and lower out-of-pocket costs on extras, choose the not-for-profit fund putting you and your partner’s health first.

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A middle aged man and woman walk on a beach, smiling at each other. The man's arm is around the woman's shoulder.

why choose hcf couples health cover?

We understand every couple is unique. That’s why we offer a range of couples health cover options to choose what works for you and your partner.

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Get 100% back~ on popular extras like dental check-ups or your first physio visit through our No-Gap network.

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Get flexible extras with HCF’s Flex My Extras^ to choose how you use your limits on the services you need.

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Top coverage with 97% of medical services provided in hospital covered with a known or no-gap+. 

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Enjoy the benefits of our top level hospital cover for up to 90 days if you’re in an accident#.

Find the right couples cover to suit you and your partner

I am looking for

single couple family single parent

I’m

under 31 31 - 44 45 - 64 65 - 69 70 and above

and live in

NSW VIC QLD SA WA TAS ACT NT

My annual

My annual income is

$101,000 or less $101,001 - $118,000 $118,001 - $158,000 $158,001 or more prefer not to specify
$202,000 or less $202,001 - $236,000 $236,001 - $316,000 $316,001 or more prefer not to specify
Weekly Fortnightly Monthly Quarterly Half yearly Yearly

Hospital cover

HCF Hospital Silver Plus

From $0.0* /week

From

$0.0* /week

Great value hospital cover

Hospital excess

A high level of hospital cover for couples for most treatments and procedures, excluding pregnancy and birth.

  • Cover for heart and vascular system, cataracts, joint replacements, back, neck and spine procedures and more.
  • Your own private room in hospital depending on availability.
  • Hit your health goals together with access to health programs like heart and diabetes support^^^.

  • Cover for emergency ambulance transport to the nearest hospital by a State or Territory government ambulance provider (excludes transport from another hospital or medical facility), or on-the-spot treatment by paramedics. Benefits aren’t payable for ambulance services covered by a State or Territory government scheme.

    Waiting Period: 1 day

  • Hospital treatment for physical rehabilitation for a patient related to surgery or illness. E.g. inpatient and admitted day patient rehabilitation, stroke recovery and cardiac rehabilitation.

    Waiting Period: 2 months

  • Hospital treatment for the care and management of patients with psychiatric, mental health, addiction or behavioural disorders. E.g. mood disorders like depression, eating disorders, addiction recovery, and psychoses like schizophrenia.

    Members who have held hospital cover for at least 2 months and upgrade to Gold hospital cover to receive hospital psychiatric services as covered services may not be required to serve the waiting period for hospital psychiatric services. This exemption can only be accessed once in a member's lifetime.

    This is a service where Minimum Benefits apply, which means that we will pay the rate set out by the Commonwealth as the minimum shared room benefit, and benefits for Government approved Prostheses if applicable. Members who have held hospital cover for at least 2 months and upgrade to Gold hospital cover to receive hospital psychiatric services as covered services may not be required to serve the waiting period for hospital psychiatric services. This exemption can only be accessed once in a member's lifetime.

    Waiting Period: 2 months

  • Hospital treatment and care where the intent is primarily providing quality of life for a patient with a terminal illness, including treatment to alleviate and manage pain.

    Waiting Period: 2 months

  • Hospital treatment to investigate and treat the brain and brain conditions, the spinal cord, and the peripheral nervous system. E.g. stroke, brain or spinal cord tumours, head injuries and Epilepsy and Parkinson’s disease.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat conditions affecting the eyes and eye socket contents, excluding cataracts. E.g. retinal detachment, tear duct conditions, eye infections and medically managed eye trauma.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for the investigation and treatment of the ear, nose, throat and related areas of the head and neck. E.g. damaged ear drum, sinus surgery, removal of foreign bodies, stapedectomy and throat cancer.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for the investigation and treatment of the tonsils, adenoids and insertion or removal of grommets. E.g. tonsillectomy and adenoidectomy.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for the investigation and treatment of diseases, disorders and injuries of the musculoskeletal system. E.g. carpal tunnel, fractures, hand surgery, joint fusion, bone spurs, osteomyelitis and surgery for bone cancer.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for the reconstruction of joints and associated structures. E.g. torn tendons, rotator cuff tears and damaged ligaments.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat kidney, adrenal gland, and bladder conditions. E.g. kidney stones, adrenal gland tumour and incontinence.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat the male reproductive system, including the prostate. E.g. male sterilisation, circumcision and prostate cancer.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat diseases and disorders affecting the digestive system. E.g. oesophageal cancer, irritable bowel syndrome, gallstones and haemorrhoids.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for the investigation and treatment of hernias and appendicitis. E.g. hernia operations and appendectomy.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate, diagnose and treat the gastrointestinal system internally using an endoscope. E.g. colonoscopy, gastroscopy and endoscopic retrograde cholangiopancreatography (ERCP).

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for the investigation and treatment of the female reproductive system. E.g. endometriosis, polycystic ovaries, female sterilisation and cervical cancer.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat a miscarriage or to terminate a pregnancy. E.g. dilation and curettage (D&C), management of ectopic pregnancy and surgical termination.

    Waiting Period: 2 months

  • Hospital treatment for chemotherapy, radiotherapy and immunotherapy to treat cancer or benign tumours.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for pain management that doesn’t need a device to be inserted or managed. E.g. treatment of nerve pain and chest pain due to cancer through procedures like nerve block injections.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for the investigation and treatment of skin-related conditions and nails. E.g. surgery to remove a melanoma, minor wound repair and abscesses.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat breast disorders and associated lymph nodes, and reconstruction and/or reduction after breast surgery or a preventative mastectomy. E.g. breast lesions, breast tumours, asymmetry due to breast cancer surgery, and gynecomastia.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and manage diabetes, excludes insulin pumps. E.g. stabilisation of hypo- or hyper-glycaemia and addressing contour problems caused by insulin injections.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat the heart, heart-related conditions, and the vascular system. E.g. heart failure, heart attack, monitoring of heart conditions, varicose veins and removal of plaque from arterial walls.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat conditions affecting the lungs and chest. E.g. lung cancer, respiratory disorders like asthma and pneumonia, and trauma to the chest.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat blood-related conditions and disorders. E.g. blood clotting disorders and bone marrow transplants.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat the back, neck and spinal column, including spinal fusion. E.g. sciatica, prolapsed or herniated disc, spinal disc replacement, and spine curvature disorders like scoliosis.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment which is medically necessary for the investigation and treatment of any physical deformity, whether acquired as a result of illness or accident, or congenital. E.g. burns requiring a graft, cleft palate, club foot and angioma.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for teeth and gum surgery. E.g. surgery to remove wisdom teeth and dental implant surgery.

    Waiting Period: 2 months
    (12 months pre-existing)

  • Hospital treatment for the investigation and treatment of conditions affecting the foot and/or ankle, provided by a registered podiatric surgeon.

    Limited benefits apply. Minimum Benefit level payable by HCF for Hospital accommodation as determined under the Private Health Insurance Act and the cost of prosthesis (as listed on the Prescribed List of Medical Devices and Human Tissue Products). No benefit is payable for podiatric surgeon fees. Ensure you have Informed Financial Consent prior to your treatment, for any out-of-pocket expenses.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to correct hearing loss, including implantation of a prosthetic hearing device.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for surgery to remove a cataract and replace it with an artificial lens.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for surgery for joint replacements, including revisions, resurfacing, partial replacements and removal of prostheses. E.g. knee, hip, shoulder, wrist, finger, toe or ankle joint replacements.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for dialysis to manage chronic kidney failure, including both haemodialysis and peritoneal dialysis.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for investigation and treatment of conditions associated with pregnancy and childbirth. E.g. prenatal care, childbirth (vaginal or caesarean) and postnatal recovery.

  • Hospital treatment for fertility treatments or procedures. E.g. egg or sperm retrieval, In Vitro Fertilisation (IVF) and Gamete Intra-fallopian Transfer (GIFT).

  • Hospital treatment for surgery that’s designed to reduce a person’s weight, remove excess skin because of weight loss, and reverse a bariatric procedure. E.g. gastric bypass, sleeve gastrectomy and adjustable gastric banding.

  • Hospital treatment to provide and replace insulin pumps to treat diabetes, including certified Type C procedures and certified overnight Type C procedures to treat diabetes.

  • Hospital treatment to implant, replace, or for other surgical device management for pain treatment. E.g. nerve pain and back pain treatment, pain caused by coronary heart disease with a device.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate sleep patterns and anomalies. E.g. sleep apnoea and snoring.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • The waiting period for pre-existing ailments is 12 months. The waiting period for hospital psychiatric services, rehabilitation services and palliative care is 2 months. A pre-existing ailment, illness or condition is one where the signs or symptoms existed in the six months before joining HCF or upgrading your cover.

    Waiting Period: 12 months

View product summary

Hospital and extras cover

HCF Hospital Standard Silver Plus and HCF Mid Extras

From $0.0* /week

From

$0.0* /week

Price includes combined cover

Hospital excess

Great value hospital cover for couples for a range of treatments, plus mid-level extras cover for a range of everyday health services.

  • Cover for heart and vascular system, joint reconstructions, gastrointestinal endoscopy and more.
  • Your own private room in hospital depending on availability.
  • 100% back~ on 2 dental check-ups a year each through our No-Gap provider network.

  • Cover for emergency ambulance transport to the nearest hospital by a State or Territory government ambulance provider (excludes transport from another hospital or medical facility), or on-the-spot treatment by paramedics. Benefits aren’t payable for ambulance services covered by a State or Territory government scheme.

    Waiting Period: 1 day

  • Hospital treatment for physical rehabilitation for a patient related to surgery or illness. E.g. inpatient and admitted day patient rehabilitation, stroke recovery and cardiac rehabilitation.

    Waiting Period: 2 months

  • Hospital treatment for the care and management of patients with psychiatric, mental health, addiction or behavioural disorders. E.g. mood disorders like depression, eating disorders, addiction recovery, and psychoses like schizophrenia.

    Members who have held hospital cover for at least 2 months and upgrade to Gold hospital cover to receive hospital psychiatric services as covered services may not be required to serve the waiting period for hospital psychiatric services. This exemption can only be accessed once in a member's lifetime.

    This is a service where Minimum Benefits apply, which means that we will pay the rate set out by the Commonwealth as the minimum shared room benefit, and benefits for Government approved Prostheses if applicable. Members who have held hospital cover for at least 2 months and upgrade to Gold hospital cover to receive hospital psychiatric services as covered services may not be required to serve the waiting period for hospital psychiatric services. This exemption can only be accessed once in a member's lifetime.

    Waiting Period: 2 months

  • Hospital treatment and care where the intent is primarily providing quality of life for a patient with a terminal illness, including treatment to alleviate and manage pain.

    Waiting Period: 2 months

  • Hospital treatment to investigate and treat the brain and brain conditions, the spinal cord, and the peripheral nervous system. E.g. stroke, brain or spinal cord tumours, head injuries and Epilepsy and Parkinson’s disease.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat conditions affecting the eyes and eye socket contents, excluding cataracts. E.g. retinal detachment, tear duct conditions, eye infections and medically managed eye trauma.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for the investigation and treatment of the ear, nose, throat and related areas of the head and neck. E.g. damaged ear drum, sinus surgery, removal of foreign bodies, stapedectomy and throat cancer.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for the investigation and treatment of the tonsils, adenoids and insertion or removal of grommets. E.g. tonsillectomy and adenoidectomy.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for the investigation and treatment of diseases, disorders and injuries of the musculoskeletal system. E.g. carpal tunnel, fractures, hand surgery, joint fusion, bone spurs, osteomyelitis and surgery for bone cancer.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for the reconstruction of joints and associated structures. E.g. torn tendons, rotator cuff tears and damaged ligaments.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat kidney, adrenal gland, and bladder conditions. E.g. kidney stones, adrenal gland tumour and incontinence.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat the male reproductive system, including the prostate. E.g. male sterilisation, circumcision and prostate cancer.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat diseases and disorders affecting the digestive system. E.g. oesophageal cancer, irritable bowel syndrome, gallstones and haemorrhoids.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for the investigation and treatment of hernias and appendicitis. E.g. hernia operations and appendectomy.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate, diagnose and treat the gastrointestinal system internally using an endoscope. E.g. colonoscopy, gastroscopy and endoscopic retrograde cholangiopancreatography (ERCP).

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for the investigation and treatment of the female reproductive system. E.g. endometriosis, polycystic ovaries, female sterilisation and cervical cancer.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat a miscarriage or to terminate a pregnancy. E.g. dilation and curettage (D&C), management of ectopic pregnancy and surgical termination.

    Waiting Period: 2 months

  • Hospital treatment for chemotherapy, radiotherapy and immunotherapy to treat cancer or benign tumours.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for pain management that doesn’t need a device to be inserted or managed. E.g. treatment of nerve pain and chest pain due to cancer through procedures like nerve block injections.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for the investigation and treatment of skin-related conditions and nails. E.g. surgery to remove a melanoma, minor wound repair and abscesses.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat breast disorders and associated lymph nodes, and reconstruction and/or reduction after breast surgery or a preventative mastectomy. E.g. breast lesions, breast tumours, asymmetry due to breast cancer surgery, and gynecomastia.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and manage diabetes, excludes insulin pumps. E.g. stabilisation of hypo- or hyper-glycaemia and addressing contour problems caused by insulin injections.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat the heart, heart-related conditions, and the vascular system. E.g. heart failure, heart attack, monitoring of heart conditions, varicose veins and removal of plaque from arterial walls.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat conditions affecting the lungs and chest. E.g. lung cancer, respiratory disorders like asthma and pneumonia, and trauma to the chest.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat blood-related conditions and disorders. E.g. blood clotting disorders and bone marrow transplants.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat the back, neck and spinal column, including spinal fusion. E.g. sciatica, prolapsed or herniated disc, spinal disc replacement, and spine curvature disorders like scoliosis.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment which is medically necessary for the investigation and treatment of any physical deformity, whether acquired as a result of illness or accident, or congenital. E.g. burns requiring a graft, cleft palate, club foot and angioma.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for teeth and gum surgery. E.g. surgery to remove wisdom teeth and dental implant surgery.

    Waiting Period: 2 months
    (12 months pre-existing)

  • Hospital treatment for the investigation and treatment of conditions affecting the foot and/or ankle, provided by a registered podiatric surgeon.

    Limited benefits apply. Minimum Benefit level payable by HCF for Hospital accommodation as determined under the Private Health Insurance Act and the cost of prosthesis (as listed on the Prescribed List of Medical Devices and Human Tissue Products). No benefit is payable for podiatric surgeon fees. Ensure you have Informed Financial Consent prior to your treatment, for any out-of-pocket expenses.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to correct hearing loss, including implantation of a prosthetic hearing device.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for surgery to remove a cataract and replace it with an artificial lens.

  • Hospital treatment for surgery for joint replacements, including revisions, resurfacing, partial replacements and removal of prostheses. E.g. knee, hip, shoulder, wrist, finger, toe or ankle joint replacements.

  • Hospital treatment for dialysis to manage chronic kidney failure, including both haemodialysis and peritoneal dialysis.

  • Hospital treatment for investigation and treatment of conditions associated with pregnancy and childbirth. E.g. prenatal care, childbirth (vaginal or caesarean) and postnatal recovery.

  • Hospital treatment for fertility treatments or procedures. E.g. egg or sperm retrieval, In Vitro Fertilisation (IVF) and Gamete Intra-fallopian Transfer (GIFT).

  • Hospital treatment for surgery that’s designed to reduce a person’s weight, remove excess skin because of weight loss, and reverse a bariatric procedure. E.g. gastric bypass, sleeve gastrectomy and adjustable gastric banding.

  • Hospital treatment to provide and replace insulin pumps to treat diabetes, including certified Type C procedures and certified overnight Type C procedures to treat diabetes.

  • Hospital treatment to implant, replace, or for other surgical device management for pain treatment. E.g. nerve pain and back pain treatment, pain caused by coronary heart disease with a device.

  • Hospital treatment to investigate sleep patterns and anomalies. E.g. sleep apnoea and snoring.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • The waiting period for pre-existing ailments is 12 months. The waiting period for hospital psychiatric services, rehabilitation services and palliative care is 2 months. A pre-existing ailment, illness or condition is one where the signs or symptoms existed in the six months before joining HCF or upgrading your cover.

    Waiting Period: 12 months

  • Annual limit: $200

    Spectacle frames: 100% of fee up to annual limit

    Spectacle lenses - pair (excludes add-ons such as high index material, coatings and tinting): 100% of fee up to annual limit

    Contact lenses - pair: 100% of fee up to annual limit

  • Annual limit $700 (Max 2 check ups, 2 scale and cleans and 1 fluoride treatment per person, per year) Combined with General dental and Major dental

    Diagnostic & Preventative:

    Examinations: $32 - $73

    Removal of plaque / calculus: $36 - $63

    Application of fluoride: $27

    Single film x-rays: $29

    Teeth whitening - In-chair (service limits apply): $50

    Direct fillings (1-2 surfaces): $85 - $108

    Direct fillings (3 or more surfaces): $128 - $177

    Simple extractions: $96 - $143

  • Annual limit $700 Combined with General dental and Major dental

    Indirect fillings: $298 - $600

    Surgical extractions: $167 - $265

    Treatment of tissue surrounding teeth: $23 - $374

    Treatment of root canals: $27 - $315

    Placing of crowns and bridges: $133 - $600

    Dentures and/or components (partial and complete): Limits renew every 3 years: $25 - $600

  • Occlusal therapy: $0

  • Benefit amount for Orthodontist: $0

    Benefit amount for other dentists: $0

  • $350 Combined Annual limit with Physiotherapy and Exercise Physiology

    Physiotherapy – initial / subsequent (group / class consultations covered under Health Management Program): $56 / $49

  • $350 Combined Annual limit with Physiotherapy and Exercise Physiology

    Exercise physiology (group / class consultations covered under Health Management Program): $33

  • $150 Combined Annual limit with Chiropractic & Osteopathy, Remedial massage and myotherapy and Acupuncture and Chinese herbal medicine consultations

    Chiropractic - initial / subsequent: $38 / $34

    Osteopathy - initial / subsequent : $46 / $39

  • Podiatry consultation - initial / subsequent: $0

  • Orthotist/Prosthetist and Pedorthist consultation: $0

  • Speech pathology - initial / subsequent : $0

  • Speech pathology - initial / subsequent : $0

  • Occupational therapy: $0

  • Dietitian: $0

  • Annual limit $150

    Psychology (after Medicare Mental Health Treatment Plan used up) includes group consultations: $0

    Psychology (when member does not have any unused Medicare Mental Health Treatment Plan in the calendar year) includes group consultations: $0

    HCF-approved counselling & accredited mental health social worker includes group consultations: $9 / $23

    HCF-approved Online Cognitive Behavioural Therapy courses: $35 - $59

  • $150 Combined Annual limit with Chiropractic & Osteopathy, Remedial massage and myotherapy and Acupuncture and Chinese herbal medicine consultations

    Remedial massage and myotherapy: $36

    Acupuncture and Chinese herbal medicine consultation: $36

  • HCF approved pharmacy (After PBS equivalent co-payment subtracted): $0

  • Annual limit $100

    Vaccines - HCF-approved: Up to $50 per script

  • Artificial aids HCF approved e.g. low vision aids: $0

  • Hearing aids: $0

  • $50 per person, Max $100 per policy

    HCF approved e.g. exercise classes (including Pilates, yoga and Tai Chi), group physiotherapy and group exercise physiology classes, weight management, learn to swim and antenatal/postnatal services: Up to $50

    HCF approved antenatal and postnatal services including childbirth education classes, breastfeeding consultations, pregnancy compression garments, and breastfeeding support services provided by the Australian Breastfeeding Association : $0

  • School Accident Benefit: $0

  • Travel and Accommodation (200km round trip): $0

View product summary

Extras cover

HCF Vital Extras

From $0.0* /week

From

$0.0* /week

Great value extras cover

Outstanding value extras cover for couples with cover for a wide range of popular services and therapies.

  • Cover for most major dental including dentures and orthodontics.
  • $250 annual limit for optical and a $350 annual limit for physio and exercise physiology in year 1****.
  • Claim on HCF-approved health management programs^^^^ like weight management and group physio.

  • Annual limit: $250

    Spectacle frames: 100% of fee up to annual limit

    Spectacle lenses - pair (excludes add-ons such as high index material, coatings and tinting): 100% of fee up to annual limit

    Contact lenses - pair: 100% of fee up to annual limit

  • No Annual Limit for diagnostic and preventative services (Max 2 check ups, 2 scale and cleans and 1 fluoride treatment per person per year)

    Diagnostic & Preventative:

    Examinations: $32 - $73

    Removal of plaque / calculus: $36 - $65

    Application of fluoride: $28

    Single film x-rays: $31

    Combined Annual limit for General Dental (other than diagnostic and preventative) and Major dental:

    Year 1: $850
    Year 2: $950
    Year 3+: $1,100

    Teeth whitening - In-chair (service limits apply): $50

    Teeth whitening - Home application (service limits apply): $0

    Direct fillings (1-2 surfaces): $85 - $110

    Direct fillings (3 or more surfaces): $128 - $177

    Simple extractions: $96 - $143

  • Combined Annual limit for General Dental (other than diagnostic and preventative) and Major dental:

    Year 1: $850
    Year 2: $950
    Year 3+: $1,100

    Indirect fillings: $298 - $671

    Surgical extractions: $184 - $275

    Treatment of tissue surrounding teeth: $23 - $374

    Treatment of root canals: $27-$315

    Placing of crowns and bridges: $133 - $1000

    Dentures and/or components (partial and complete): $25 - $1100 - Limits renew every 3 years (Every calendar year if repairs)

  • Occlusal therapy: $0

  • Annual Limit for Orthodontist: $700 ($350 limit for other dentists)
    Lifetime limit of $2,100 for Orthodontist or $1,050 for other dentists

    Benefit amount for Orthodontist: up to $700

    Benefit amount for other dentists: up to $350

  • Combined Annual Limit for Physiotherapy and Exercise Physiology

    Year 1: $350
    Year 2: $450
    Year 3+: $550

    Physiotherapy – initial / subsequent (group / class consultations covered under Health Management Program): $58 / $49

  • Combined Annual Limit for Physiotherapy and Exercise Physiology

    Year 1: $350
    Year 2: $450
    Year 3+: $550

    Exercise physiology (group / class consultations covered under Health Management Program): $33

  • Annual Limit:

    Year 1: $250
    Year 2: $350
    Year 3+: $450

    Chiropractic - initial / subsequent: $40 / $35

    Osteopathy - initial / subsequent : $48 / $41

  • Combined Annual limit for Podiatry, Dietetics, Audiology, Speech Pathology, and Orthotist/Prosthetist and Pedorthist consultation:

    Year 1: $200
    Year 2: $250
    Year 3+:$400
    Orthotics sub-limit: $200 (includes 1 pair of foot orthotics per person per year)

    Podiatry consultation - initial / subsequent: $35 / $30

  • Combined Annual limit for Podiatry, Dietetics, Audiology, Speech Pathology, and Orthotist/Prosthetist and Pedorthist consultation:

    Year 1: $200
    Year 2: $250
    Year 3+:$400

    Orthotist/Prosthetist and Pedorthist consultation: $30

  • Combined Annual limit for Podiatry, Dietetics, Audiology, Speech Pathology, and Orthotist/Prosthetist and Pedorthist consultation:

    Year 1: $200
    Year 2: $250
    Year 3+:$400

    Audiology - initial / subsequent : $60

  • Combined Annual limit for Podiatry, Dietetics, Audiology, Speech Pathology, and Orthotist/Prosthetist and Pedorthist consultation:

    Year 1: $200
    Year 2: $250
    Year 3+:$400

    Speech pathology - initial / subsequent : $60

  • Combined Annual limit for Occupational Therapy and Mental Health services

    Year 1: $350
    Year 2: $450
    Year 3: $550

    Occupational therapy: $62

  • Combined Annual limit for Podiatry, Dietetics, Audiology, Speech Pathology, and Orthotist/Prosthetist and Pedorthist consultation:

    Year 1: $200
    Year 2: $250
    Year 3+:$400

    Dietitian: $45

  • Combined Annual limit for Occupational Therapy and Mental Health services

    Year 1: $350
    Year 2: $450
    Year 3: $550

    Psychology (after Medicare Mental Health Treatment Plan used up) includes group consultations: $26 / $100

    Psychology (when member does not have any unused Medicare Mental Health Treatment Plan in the calendar year) includes group consultations: $18 / $65

    HCF-approved counselling & accredited mental health social worker includes group consultations: $15 / $41

    HCF-approved Online Cognitive Behavioural Therapy courses: $35 - $59

  • Annual Limit:

    Year 1: $250
    Year 2: $350
    Year 3+: $450
    Sub-limit per therapy: $250

    Remedial massage and myotherapy: $36

    Acupuncture and Chinese herbal medicine consultation: $36

  • Combined Annual limit for HCF-approved Pharmacy and Vaccines: $180

    HCF approved pharmacy (After PBS equivalent co-payment subtracted): Up to $50 per script

  • Combined Annual limit for HCF-approved Pharmacy and Vaccines: $180

    Vaccines - HCF-approved: Up to $50 per script

  • Max $150 per policy

    Artificial aids HCF approved e.g. low vision aids: $45 - $150

  • Annual limit:

    Up to 5 years $600
    Year 6-9 $800
    Year 10-14 $1,000
    Year 15-19 $1,200
    Year 20+ $1,600

    Hearing aids: $600-$1,600

  • $150 per person, Max $300 per policy

    HCF approved e.g. exercise classes (including Pilates, yoga and Tai Chi), group physiotherapy and group exercise physiology classes, weight management, learn to swim and antenatal/postnatal services: Up to $150

    HCF approved antenatal and postnatal services including childbirth education classes, breastfeeding consultations, pregnancy compression garments, and breastfeeding support services provided by the Australian Breastfeeding Association : $0

  • $150 per eligible child***

    School Accident Benefit: Up to $150

  • Max $200 per policy

    Travel and Accommodation (200km round trip): $40

View product summary

Looking for health cover that matches your needs?

Whether you’re after a higher level of cover for more treatments and services, or something that better fits your budget, get a quote to find the right cover for you.

Get a quote

the benefits of couples health insurance

On top of hospital cover and access to our No-Gap network to lower out-of-pocket costs on extras, rest easy knowing you and your partner's health is covered.

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Couples health cover could help you and your partner save on tax and avoid the extra Medicare Levy.

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You could save on entertainment with discounted e-Gift cards, and money back on holiday accommodation with HCF Thank You**. 

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Emergency ambulance cover^^ included for you and your partner, and no annual limits to worry about. 

Get a quote

Do I need hospital, extras cover or both?

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Hospital and extras cover

Get hospital and extras cover for more protection and coverage, from private hospital care and treatments to a range of extras like dental, physio, optical, chiro and remedial massage.

View hospital and extras
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Hospital cover

Choose hospital cover to make sure you’re covered for private hospital admission, emergency ambulance services^^, a range of in-hospital treatments and costs, and more.    

View hospital cover 
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Extras cover

Use extras cover for services generally not covered by Medicare, and claim on extras like physio and optical and get 100% back~ on a dental check-up through our No-Gap network.

View extras cover
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Offers and discounts

We help couples save more. Members can save an average of $900++ a year on groceries and fuel through discounted e-Gift cards**, plus discounts on pet## and travel insurance***. 

Explore more HCF member benefits
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Holistic health support

Members can access a range of health programs^^^ like mental health support, weight management and heart and diabetes health checks+++ for the support they need on their health journey. 

Discover health programs

Award-winning insurance trusted by more than 2 million australians

Canstar 2025 outstanding value for health insurance award logo.
Outstanding value 10 years in a row

We've won Canstar’s Outstanding Value Award for Health Insurance 10 years in a row (2016 to 2025).

Roy Morgan 2025 most trusted brand for private health insurance award logo.
Australia’s most trusted health fund 2025

We're Roy Morgan’s 2025 Most Trusted Private Health Insurance Brand#####. 

A finder 2024 hospital cover award logo.
2024 Finder Health Insurance Award winner

Based on value for money, we scored higher than all eligible bronze hospital policies on the market for our Hospital Bronze Plus $750 Excess cover.

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need help to find the best couples health cover for your needs?

Answers to commonly asked questions to help you make the right choice.

On top of choosing your doctor and hospital, and lowering out-of-pocket costs on extras like dental, couples health cover has additional benefits. It’s easier to manage under one policy and you’ll receive one health insurance tax statement instead of two, simplifying your tax return as a couple for your private health insurance rebate if you’re eligible.

Learn how the government rebate works

You don’t need to be married to get couples health insurance. We'll cover you and your partner if you’re married, or in a de facto relationship. There’s also no minimum time requirement for how long you’ve been together.

So, whether you’re a young couple planning a family, a couple with no children, empty nesters, or mature couple, we have couples health insurance to suit you and your situation and health needs.

Learn more about health cover and what's right for you

On top of a private health insurance rebate and avoiding the Lifetime Health Cover (LHC) loading if you have hospital cover before turning 31, couples health cover could also help you avoid paying the Medicare Levy Surcharge. 

This additional tax can be between 1% and 1.5% of your individual income if it’s above the specified threshold of $101,000. Couples health cover increases this threshold to $202,000, meaning both you and your partner won’t need to pay the extra Medicare Levy if your combined income is below this threshold, and will get more back in your tax return. 

Find out more about the Medicare Levy

The best health cover for couples depends on your individual circumstances, health needs, lifestyle and budget. At HCF, we make it easy for you to choose a couples cover to suit your needs with the transparency to know what you're covered for. 

Find couples cover today

Most health funds, including HCF, don’t include pregnancy and birth cover in couples health insurance policies. HCF’s Hospital Gold product includes health cover for pregnancy and birth and has a 12-month waiting period before the date of birth of your baby. Make sure your cover includes full benefits for these services. At HCF, we understand that sometimes this need might change. If you’re expecting, make sure you transfer to a family membership within 2 months of the birth of your child to ensure your baby is covered. 

Explore pregnancy health cover options

On top of choosing your doctor and hospital, and lowering out-of-pocket costs on extras like dental, couples health cover has additional benefits. It’s easier to manage under one policy and you’ll receive one health insurance tax statement instead of two, simplifying your tax return as a couple for your private health insurance rebate if you’re eligible.

Learn how the government rebate works

You don’t need to be married to get couples health insurance. We'll cover you and your partner if you’re married, or in a de facto relationship. There’s also no minimum time requirement for how long you’ve been together.

So, whether you’re a young couple planning a family, a couple with no children, empty nesters, or mature couple, we have couples health insurance to suit you and your situation and health needs.

Learn more about health cover and what's right for you

On top of a private health insurance rebate and avoiding the Lifetime Health Cover (LHC) loading if you have hospital cover before turning 31, couples health cover could also help you avoid paying the Medicare Levy Surcharge. 

This additional tax can be between 1% and 1.5% of your individual income if it’s above the specified threshold of $101,000. Couples health cover increases this threshold to $202,000, meaning both you and your partner won’t need to pay the extra Medicare Levy if your combined income is below this threshold, and will get more back in your tax return. 

Find out more about the Medicare Levy

The best health cover for couples depends on your individual circumstances, health needs, lifestyle and budget. At HCF, we make it easy for you to choose a couples cover to suit your needs with the transparency to know what you're covered for. 

Find couples cover today

Most health funds, including HCF, don’t include pregnancy and birth cover in couples health insurance policies. HCF’s Hospital Gold product includes health cover for pregnancy and birth and has a 12-month waiting period before the date of birth of your baby. Make sure your cover includes full benefits for these services. At HCF, we understand that sometimes this need might change. If you’re expecting, make sure you transfer to a family membership within 2 months of the birth of your child to ensure your baby is covered. 

Explore pregnancy health cover options

Important Information

HCF will collect and use your personal information through this quote process in accordance with our Privacy Collection Notice.

* Australian Government Rebate has been applied if you selected an income level less than $158,001 for single or less than $316,001 for family. Price excludes any Lifetime Health Cover loading.

~ 100% back at More for You program providers in our No-Gap network is available on selected covers. Waiting periods and annual limits apply. Our No-Gap network of healthcare providers changes often. Please check that your provider is part of our No-Gap network before you book or attend an appointment. See hcf.com.au/100back

^ Singles and Couples only. Flexible $650 single limit plus $175 optical limit and $100 remedial massage and myotherapy limit per person, per year.

+ Calculated based on APRA Quarterly private health insurance statistics September 2023. 

# Must visit the emergency department within 24 hours of the accident. Excludes Accident Only Basic cover. See hcf.com.au/accident-safeguard for more information.  

** Eligibility criteria applies. You can access HCF Thank You offers after you’ve been a member for a week, and if your premiums are up to date. Excludes Ambulance Only and Overseas Visitors Health Cover. Offers and partners are subject to change without advance notice. See HCF Thank You terms and conditions.

^^ Cover is limited to emergency transport to the nearest hospital by a State or Territory government ambulance provider (excludes transport from another hospital or medical facility). Benefits are not payable for ambulance services covered by a State or Territory government scheme.

++ Based on discounts available through HCF partners (Aug 2023) and average category spend from ABS Household Expenditure Survey, Australia (2017).  

## All HCF members are eligible for a member discount of at least 10% on HCF Pet Insurance. HCF Ruby and Diamond members get a 15% discount. Existing Manchester Unity Pet Insurance policies are not eligible for discounts under HCF Thank You. Visit the HCF Thank You page for further information. Where relevant, increased discount will be applied automatically at first renewal after advancement in HCF Thank You tier. To be eligible for the discount members need to have the HCF My Membership app or online member services set up. This offer may be subject to change.

HCF Pet Insurance policies entered into for the first time prior to 21 March 2024 and subsequent renewals of those policies are issued by The Hollard Insurance Company Pty Ltd ABN 78 090 584 473, AFSL 241436, arranged and administered by PetSure (Australia) Pty Ltd ABN 95 075 949 923, AFSL 420183 (PetSure) and promoted and distributed by The Hospitals Contribution Fund of Australia Limited ABN 68 000 026 746, AFSL 241414 (HCF). HCF Pet Insurance policies entered into for the first time on or after 21 March 2024 and subsequent renewals of those policies are issued by PetSure and promoted and distributed by HCF. Any advice provided is general only and does not take into account your individual objectives, financial situation or needs Please consider the Product Disclosure Statement (PDS) to ensure this product meets your needs before purchasing, or choosing to continue with the product. PDS and Target Market Determination available at hcf.com.au/petinsurance. 

HCF Pet Insurance is not part of HCF's health insurance business. Please do not assume that pet insurance and health insurance are similar. HCF may receive a commission of up to 13% of the premium for promoting HCF Pet Insurance policies. HCF sales agents are paid a salary or wages but do not receive a commission or other payments attributable to the sale of HCF Pet Insurance. For more information contact HCF on 13 13 34.

Manchester Unity Pet Insurance is issued by The Hollard Insurance Company Pty Ltd ABN 78 090 584 473; AFSL 241436, is distributed by The Hospitals Contribution Fund of Australia Limited ABN 68 000 026 746, AFSL 241414, and arranged and administered by PetSure (Australia) Pty Ltd ABN 95 075 949 923, AFSL 420183. Manchester Unity Pet Insurance is closed to new customers and is only available for renewal by existing customers. Manchester Unity Pet Insurance is not part of HCF's health insurance business. Please do not assume that pet insurance and health insurance are similar. Any advice provided is general only and does not take into account your individual objectives, financial situation or needs. Please consider the Product Disclosure Statement and Target Market Determination (TMD) ensure this product meets your needs before you renew your cover.

*** To access the discount code, log in to the My Membership app or online member services and go to the travel section of the HCF Thank You page to find the code. 25% discount applies to new policy purchases and is based on standard premium rates (including optional covers). It applies automatically upon successful input of the discount code and applies to any changes, upgrades or amendments made to the policy prior to commencement of the journey. The discount may apply to changes made after commencement of the journey, contact Allianz Global Assistance to find out more. Cannot be used in conjunction with, or in addition to any other discounts. No additional discounts will be provided to Members who already receive a Member discount. Please contact us for more information.

The Hospitals Contribution Fund of Australia Ltd ABN 68 000 026 746 AFSL 241414 (HCF) arranges this insurance as agent for AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 trading as Allianz Global Assistance (AGA). AGA arranges and manages travel insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz). Terms, conditions, exclusions, limits and applicable sub-limits apply. HCF, Allianz and AGA do not provide any advice on this insurance based on any consideration of your objectives, financial situation or needs. Because of that, you should consider whether the advice is appropriate for you. Before making a decision please consider the Product Disclosure Statement, the Financial Services Guide and Target Market Determination (TMD). The TMD is available at allianzpartners.com.au/policies. If you purchase a policy, HCF and AGA receive a commission which is a percentage of your premium - ask us for more details before we provide you with services.

^^^ Eligibility criteria apply. For more information see hcf.com.au/health-programs

+++ Eligibility criteria apply. For more information see hcf.com.au/victorchang

##### Based on Roy Morgan’s Risk Monitor Survey for the 12 months to June 2025.

**** Annual limits increase on some services in year 2 and 3. See extras table in the product summary for details.

^^^^ Waiting periods and annual limits apply. Before you start any program, check you're on eligible cover and the provider of the program is recognised by us. If you're unsure, call 13 13 34 or visit a branch.

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