WE'RE DIFFERENT TOOTHER HEALTH FUNDS

AUSTRALIA'S LARGEST NOT-FOR-PROFIT HEALTH FUND

As Australia’s largest not-for-profit health fund, we always put our members before profit. Our members are at the heart of everything we do, and their health comes first before anything else.    

Not only have we been voted Australia's most-trusted health fund the last two years running*, but more members choose us. Last year we grew more than all other health funds combined^.   

PUTTING PEOPLE BEFORE PROFIT

When it comes to healthcare, people want to know they’ll be genuinely cared for in their time of need. There’s care – and then there’s Uncommon Care. As Australia’s largest not-for-profit health insurer, our members get more benefits^ back for every dollar paid in premiums than the industry average and the peace of mind that HCF is Australia’s most-trusted^ health fund.

YOUR HEALTH CARE COMES FIRST

At HCF we put people before profits for shareholders. Some of the ways we’ve put our members first is:    

  • More money back: We give more back in benefits^ to our members for every dollar paid in premiums than the industry average   
  • Award-winning customer service: Our friendly, award-winning team of experts are ready to help you seven days a week    
  • Top value for your money: We’ve been awarded Outstanding Value Health Insurance by Canstar four years in a row.
Visit our Online Member Services

WHAT UNCOMMON CARE MEANS TO OUR MEMBERS

$6.7m
PAID TO MEMBERS ON AVERAGE IN CLAIMS EVERY SINGLE DAY
1,640
HOSPITAL ADMISSIONS ARE COVERED BY HCF ON A DAILY BASIS
254,000
HCF MEMBERS USE A NO OR KNOWN-GAP PROVIDER FOR THEIR HOSPITAL TREATMENT
23,600
EXTRAS SERVICES SUCH AS OPTICAL, DENTAL OR PHYSIO ARE COVERED EACH DAY

WHY HCF IS DIFFERENT TO OTHER HEALTH FUNDS 

At HCF, we look at the big picture and use our resources, networks and influence to innovate and help make healthcare more affordable for Australians by:

  • Reducing the out-of-pocket gap with our Participating Provider web page that has a handy search tool to help our members avoid or minimise out-of-pocket costs
  • Providing a second opinion service to eligible members from a network of medical specialists at no extra cost
  • Offering our More for You extras providers, so eligible members can get 100% back on extras and general treatment such as dental, optical, podiatry and physiotherapy
  • Driving government reform and working directly with the government to influence reform to lower healthcare costs
  • Investing in health services such as the HCF Research Foundation and HCF Catalyst to drive innovation with the aim of creating more effective and efficient healthcare.

LOOKING TO GET MORE FROM YOUR COVER?

SEND US AN EMAIL

Head over to our Contact Us page and send us some information about you and your membership.

SPEAK TO A SPECIALIST

Because we're not for profit, our health insurance experts are here to advise based on the cover you actually need.

VISIT A HCF BRANCH

We have branches across Australia. Come and visit one of our health insurance experts in store.

MANAGE YOUR ACCOUNT

Managing your health cover on the go is easy with our Online Member Services tool.

IMPORTANT INFORMATION

*Roy Morgan, Net Trust Survey, 2018 and 2019.  

^2019 Year in Review