How to switch to HCF

Moving to HCF is easy. Here’s how.

  1. Choose the cover that works for you
  2. Complete your application (don't forget the Interfund Transfer section)
  3. We’ll make it happen (including liaising with your previous fund so you don’t have to)

You can also switch at any HCF branch or by calling 13 13 34.

Avoiding coverage gaps

If you’ve held an equivalent level of cover with your previous fund, and join HCF within 30 days of leaving, you won’t have to re-serve any waiting periods. (This excludes hearing aids as there’s a 12 month waiting period from the date you join us.)

Once we have the details of your previous fund, we’ll ask them to send us an Interfund Transfer /Clearance Certificate. If they send it to you, please forward it to us at: GPO BOX 4242, Sydney, NSW 2001, so we can review your entitlements. 

If you’re switching and upgrading your cover, you’ll need to serve the relevant waiting periods for your higher entitlements.

HCF's 30 day guarantee

We want you to be happy with your health cover and the choice you've made. So if you change your mind and cancel your HCF policy within 30 days of joining, we will give a 100% refund as long as you haven't made a claim in that period.

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