Health insurance

Private vs Medicare

How the public system works, and what private health insurance can do for you.

Selecting a doctor or hospital

How to choose a provider that's right for you.

Switching funds

Moving to HCF is easy. Find out how.

Getting loyalty benefits

Enjoy higher limits on selected extras cover the longer you’re with us.


The My Membership app takes the hassle out of health cover with fast claims on the go​, payment flexibility and no-fuss cover review.

Download from the App Store or Google Play

Learn more about the app

How to
make a claim

Need to claim? We go all out to make it fast and hassle-free.

Understanding the costs

What you need to know to get the most out of your cover.

Charges and the gap

How to avoid out-of-pocket costs for hospital treatment.

How the Govt rebate works

Why your income affects your health insurance premium.

Medicare Levy Surcharge

How hospital cover can save you money come tax time.

Lifetime Health Cover

Why it pays to get hospital insurance early.