InvoluntaryUnemployment Assistance


Losing your job can be an incredibly stressful experience and you might be wondering how you’re going to make ends meet. We’re here for you, so please reach out to us and we’ll do what we can to help you with your health cover.

Call us: 13 13 34


We know that many of our members are struggling financially because of the impacts of COVID-19 - so it’s important we make sure those who are doing it tough get the help they need.

During COVID-19, our Involuntary Unemployment Assistance has been helping more than 60,000* eligible members remain covered by paying their premiums for up to 6 months.

Involuntary Unemployment Assistance is included in most of our health covers. We’ve made this easier for you to access during COVID-19, and we've now temporarily extended those changes until 31 December 2021.


We’ve extended our COVID-19 hardship support for members doing it tough to 31 December 2021. To qualify for Involuntary Unemployment Assistance during this period of extended support, you must meet the following criteria:

  • You've held hospital only cover or a combined hospitals and extras cover (excluding Extras Only, Overseas Visitors Health Cover and Ambulance Only Cover) for at least 12 months.
  • Can show evidence you've become unemployed, stood down or lost income through no fault of your own. If you’re self-employed+, contact us to chat about your options.
  • You’ve told us about your change in circumstances within 3 months of losing your income or having your income reduced.

We're here to help you review the options that will be right for your needs, including other options that are available if you've been with us for less than 12 months or don’t meet the criteria for Involuntary Unemployment Assistance, and we can also advise you where conditions might apply.


There are a few ways to get in touch with us if you need financial help during COVID-19.

  1. Call us to chat
    If you're worried and struggling to pay your premiums please call our dedicated COVID-19 support team on 13 13 34.
  2. Email us using our Contact Us page
    Send us a message about your current situation, and we’ll get back to you as soon as we can. Go to our Contact Us page and fill out the form choosing ‘Financial support due to COVID-19’ from the list. Click here to email us.

Other ways we can help

If you haven’t lost your job and need some financial help, we have other options available including premium waivers. Go to our member support page for more details.

Go to member support

Ways to connect with us


We’re open: Mon-Fri 8am-8pm, Sat 9am-5pm (AEST/AEDT). Call 13 13 34.


Head over to our Contact Us page and complete the form to send us an email.


The My Membership app is the easiest way to stay on top of your health insurance admin – no matter where you are, or what time of day it is.


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

Important Information

*Figures current for the period 1 March 2020 to 28 July 2020.

^If you're not self-employed and have been involuntarily made redundant, stood down or seen a reduction in your hours (including casual and part-time employees), HCF requires a letter from the employer confirming the impact to your income is due to COVID-19. 

+If you’re self-employed and your business continues to operate but your income is impacted by COVID-19, call us on 13 13 34 or email us at to chat about your options. If your business no longer operates due to COVID-19, HCF requires confirmation from the Australian Financial Services Authority or a letter from your accountant or solicitor on company letterhead.