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If you’re an HCF corporate member with Future Care Basic Plus cover you can get free overseas travel insurance.
Heading off on an overseas adventure should be easy and exciting. Travel insurance gives you peace of mind should anything go wrong while you’re away – so you can focus on enjoying your holiday.
For eligible members, the cover includes:
  • unlimited sum insured for overseas medical and hospital emergency expenses
  • cover for overseas emergency dental expenses as a result of injury
  • cover for flight cancellation costs
  • cover for extra expenses caused by scheduled transport delays
  • up to $5,000 towards overseas hospitalisation
  • up to $10,000 for accidental loss of luggage (sub-limits apply)
  • up to $100,000 for accidental death
  • up to $300 for emergency replacement of delayed luggage
  • up to $2,000 for rental vehicle excess
  • cover for costs of replacing personal travel documents
  • up to $2,500,000 for personal liability
  • a 24 hour emergency assistance hotline. 

If you need travel insurance but aren’t eligible for the above, or want to look at different options, check out our other travel insurance policies.


  • this cover is available to members aged 74 and under
  • pre-existing medical conditions aren't covered
  • maximum duration of coverage is 90 consecutive days        
  • available only if your HCF membership is current (e.g. if you suspend your HCF health cover when you travel overseas, you won't be eligible for free overseas travel insurance.)

HCF Future Care Basic Plus Overseas Travel Insurance

678.8KB PDF

* The Hospitals Contribution Fund of Australia Limited (HCF) ABN 68 000 026 746 (AFSL 241414) has arranged for overseas travel insurance cover (Cover) under and by way of a master policy issued by AIG Australia Limited ABN 93 004 727 753, AFSL 381 686 (AIG) to HCF. This Cover is available to you while you remain a HCF Future Care Basic Plus policyholder, subject to our or AIG's right to remove or alter the Cover on 30 days’ notice. The terms, conditions and Excluded Services of the Cover are specified in the ‘Conditions of Use’ (above) as amended, and must be reviewed to make sure that the Cover meets your needs.

HCF is not the issuer or insurer of the Cover but has arranged this Cover with AIG. Neither HCF nor any of its related corporations guarantee any of the benefits under the Cover. HCF does not hold anything on trust for, or for the benefit of, or on behalf of, you in relation to this Cover. If you meet the eligibility criteria, this Cover is provided at no additional cost to you. HCF does not receive any commission or remuneration from AIG for arranging this Cover. Neither HCF nor any of its related corporations are Authorised Representatives (under the Corporations Act 2001 (Cth)) of AIG and any financial service provided by HCF in relation to the Cover is under their own AFSL. Access to the Cover is provided to you solely by the statutory operation of section 48 of the Insurance Contracts Act 1984 (Cth). This means that any eligible or admitted claim you make under the Master Policy will be covered and paid by AIG.