Understandingthe costs


When it comes to hospital insurance, it pays to start young. Find out why. 

Learn more

Charges and the gap

How to avoid out-of-pocket costs and get the most out of your hospital cover. 

How the government rebate works

How your income and age affects premiums, and what it means for you.  

Medicare Levy Surcharge

How hospital cover could save you money come tax time.

Choosing an excess

How it works, and how to decide what’s right for you. 

Protecting you against fraud

Fraud against the fund impacts all our members – find out how we prevent it.  

related articles

Private vs Medicare

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

Selecting a doctor or hospital

How to decide who treats you and where you're treated.

Switching funds

Moving to HCF is easy. Find out how to make the switch.

Getting loyalty benefits

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