Member offers & discounts

As Australia’s largest not-for-profit health fund, we’re always looking for more ways to put our money where our members are, which is why we’ve created our reward and recognition program, HCF Thank You.

As a member, you’ll get access^* to a range of rewards, offers and discounts as a way of saying thank you for choosing and sticking with us.

You could save on average up to $900 a year^{^} on e-Gift cards for essentials like groceries, fuel and entertainment that can help ease household pressures and offset the cost of your cover. You can also access discounts on HCF Pet^## and Travel Insurance^** and selected pharmacy items.

To celebrate the launch of the new HCF Thank You app^~~~~, eligible HCF members have a chance to spin to win 1 of over 370 prizes, including HCF dollars and vouchers from Dietlicious, Red Balloon, Breville, Adrenaline, Experience Oz and Village Cinemas^{^^^^^}. All entrants will also go into a draw to win 1 of 5 $1,000 HCF Digital Prepaid Mastercards.

Through the app, you can also browse personalised offers from popular brands including Woolworths, Coles, Amazon, JB Hi-Fi and more.

Download the app from the App Store or Google Play, log in and tap Spin to Win.

Get more value from your health cover with the HCF Thank You app⁺⁺.  

Enjoy the convenience of redeeming offers on the go from the brands you love – like Coles, Woolworths, The Good Guys, Myer, THE ICONIC and more. 

Plus, earn HCF dollars when you shop at participating retailers through the HCF Thank You app. HCF dollars can be converted into an HCF Digital Prepaid Mastercard, an eligible retailer e-Gift card, or used to help reduce the cost of your health cover premiums^{^^^^}. 

Reward yourself your way, every day. Download the HCF Thank You app from the App Store or Google Play. 

Got a gap to fill? If you’ve got eligible extras cover, you can get 1- and 2-surface direct fillings for any tooth with no gap to pay^#### at HCF Dental Centres until 30 June 2026.  

Plus, get 100% back^**** on 1 or 2 dental check-ups and scale and cleans each year.

Book your appointment today. 

Get HCF Pet Insurance for your dog or cat by 30 June 2026 to enjoy 2 months free^~~. Plus, HCF members can also save up to 15% on cover that matches your pet’s life stage and needs^##.

As an HCF member, you could win 1 of 8 $4.5K prepaid Visa cards if you buy HCF Travel Insurance^~~~ between 1 May and 30 June 2026. Plus, use your member discount code for 25% off^**.

How to enter:

1. Get a quote for HCF Travel Insurance.
2. Enter your holiday details.
3. Use your member discount code to save 25%^** and to be entered into the draw automatically (find it in the HCF Thank You travel offers in online member services or the My Membership app).
4. Complete your quote and payment.

Entries close on Tuesday 30 June 2026 11.59pm AEST. The winners will be announced and contacted Thursday 23 July 2026. Terms and conditions apply^~~~.

HCF's Life Protect Insurance^*** is designed to help you look after your family if you're no longer able to. We pay your loved ones a lump sum benefit of up to $1.5 million if you pass away or are diagnosed with a terminal illness^{^^^}.

And if you’re an eligible HCF member, you save 10% on your premium⁺⁺⁺. 

Eligible HCF members can get 5% off^< HCF Home Insurance^###, plus for a limited time, receive a $100 Visa e-Gift card^~. Just quote and buy online.

HCF members can save 15%⁺⁺⁺⁺ when you take out a selected Flip cover^# – our pay-as-you-go cover for accidental injuries.

Download and log in to the My Membership or HCF Thank You app to find the code and claim your offer.

Download from the App Store or Google Play.

We’re committed to making healthcare more affordable. Our partnership with Ramsay Health Care is just one of the ways we’re helping members get more value from their health cover.

As an HCF member, you can receive a 5% discount⁺ on selected purchases at Ramsay Pharmacy when you sign up to the Ramsay Pharmacy better rewards program.

You’ll also receive:

• $5 in rewards dollars when you join
• $10 in rewards dollars as a birthday gift
• earn 7.5% back on your better rewards account per dollar spent.

Sign up to Ramsay Pharmacy better rewards for free and access your discount by showing your HCF membership card in store.

Because there’s care, and then there’s Uncommon Care.

HCF members, including Overseas Visitors Health Cover members, admitted to a participating Ramsay Hospital in NSW and Vic can request a free flu vaccination until 30 September 2026^*****. Speak to your treating specialist or ward nurse while you're in hospital to assess your suitability to receive the flu vaccine.

We're helping members to be in control of their health and wellbeing. That's Uncommon Care.

Members save 5% on full-price items at Sydney Adventist Hospital Pharmacy (excludes pharmacy-only medicines and prescription medicines).

Just show your HCF membership card when you make a purchase in-store.  

The My Membership app takes the hassle out of health cover with fast claims on the go​, payment flexibility and no-fuss cover review.

Download from the App Store or Google Play. 

^* You can access HCF Thank You offers after you've been a member for a week, and if your premiums are up to date. Excludes Ambulance Only and Overseas Visitors Health Cover. Offers and partners are subject to change. See the HCF Thank You terms available here.

^{^} Based on discounts available through HCF partners (Aug 2023) and average category spend from ABS Household Expenditure Survey, Australia (2017).

^~~ The two months' free cover offer (“Offer”) commences at 12:01am AEST on 1 May 2026 and closes at 11:59pm AEST on 30 June 2026 (“Offer Period”). It is open to Australian residents aged 18 years or over ("Eligible Customers") and applies to any HCF Pet Insurance policy other than a Manchester Unity Pet Insurance policy ("HCF Pet Insurance Policy") with a policy start date within the Offer Period. The Offer provides Eligible Customers with two months’ free in their first policy year, when they purchase a new HCF Pet Insurance Policy during the Offer Period. The Offer does not apply to renewals of existing HCF Pet Insurance Policies.

For monthly or fortnightly instalment payers, you will not be charged an instalment for the first two months of your policy period. Your instalments will begin being charged from the third month after the policy commencement date. Annual payers will have the two months' free cover deducted from the annual premium, at the time of purchase. This Offer is automatically applied.

This Offer will cease if you change your level of cover. This means that any remaining period of free cover will be forfeited, and you will begin paying premiums for your varied policy from the date of the change. This Offer is not available with any other offer, except for the HCF Thank You discount for eligible HCF members and the multi-pet discount for additional pets. If more than one Offer or discount is available, they will be applied in a predetermined order.  To view the HCF Thank You Terms and Conditions, please click here. HCF reserves the right to withdraw, vary or extend this Offer at any time, without notice.

^## HCF members who have held eligible cover for at least 1 week (consecutive) and are up to date with their premiums can get a discount of 10% on HCF Pet Insurance if they are HCF Opal or Emerald members, or a 15% discount if they are HCF Ruby or Diamond members (Discount). For this Discount, “eligible cover” includes all Hospital and Extras products, plus selected Life and Recover Cover products (full list available here) and excludes Overseas Visitor Health Cover and Ambulance Only Cover. The Discount does not apply to Manchester Unity Pet Insurance policies. To redeem the Discount, HCF members must have registered on the HCF My Membership app or through online member services before you quote and buy a new HCF Pet Insurance policy online via the HCF Pet Insurance webpage. The Discount will be applied to standard premiums (including for optional covers), noting that if you are eligible for more than one discount, we apply each of them in a predetermined order to the premium as reduced by any prior applied discount. The Discount applies before adding fees, taxes and government charges. The Discount will continue to apply for HCF eligible members automatically in the event the policy is renewed, while this offer continues. HCF members who bought a HCF Pet Insurance policy before this Discount applied or before they had held eligible cover for at least 1 week (consecutive) can redeem the Discount (which will be applied on subsequent renewals) by registering on the HCF My Membership app or through online member services and contacting PetSure on 1800 630 681. This Discount is available from 15/11/2017 and may be subject to change at any time, without notice.

HCF Pet Insurance policies entered into for the first time prior to 21 March 2024 and subsequent renewals of those policies are issued by The Hollard Insurance Company Pty Ltd ABN 78 090 584 473, AFSL 241436, arranged and administered by PetSure (Australia) Pty Ltd ABN 95 075 949 923, AFSL 420183 (PetSure) and promoted and distributed by The Hospitals Contribution Fund of Australia Limited ABN 68 000 026 746, AFSL 241414 (HCF). HCF Pet Insurance policies entered into for the first time on or after 21 March 2024 and subsequent renewals of those policies are issued by PetSure and promoted and distributed by HCF. Any advice provided is general only and does not take into account your individual objectives, financial situation or needs. Please consider the Product Disclosure Statement (PDS) to ensure this product meets your needs before purchasing, or choosing to continue with the product. PDS and Target Market Determination available at hcf.com.au/petinsurance

HCF Pet Insurance is not part of HCF's health insurance business. Please do not assume that pet insurance and health insurance are similar. HCF may receive a commission of up to 13% of the premium for promoting HCF Pet Insurance policies. HCF sales agents are paid a salary or wages but do not receive a commission or other payments attributable to the sale of HCF Pet Insurance. For more information, contact HCF on 13 13 34.

Manchester Unity Pet Insurance is issued by The Hollard Insurance Company Pty Ltd ABN 78 090 584 473; AFSL 241436, is distributed by The Hospitals Contribution Fund of Australia Limited ABN 68 000 026 746, AFSL 241414 (HCF), and arranged and administered by PetSure (Australia) Pty Ltd ABN 95 075 949 923, AFSL 420183. Manchester Unity Pet Insurance is closed to new customers and is only available to renewing customers who first purchased their insurance policy prior to 1 June 2015. Manchester Unity Pet Insurance is not part of HCF's health insurance business. Please do not assume that pet insurance and health insurance are similar. HCF does not receive any commission for distributing Manchester Unity Pet Insurance policies. HCF sales agents are paid a salary or wages but do not receive a commission or other payments attributable to renewals of Manchester Unity Pet Insurance. For more information, contact HCF on 13 13 34. Any advice provided is general only and does not take into account your individual objectives, financial situation or needs. Please consider the Product Disclosure Statement (PDS) to ensure this product meets your needs before choosing to renew your cover. Manchester Unity Pet Insurance PDS and TMD available at hcf.com.au/petinsurance.

⁺ Terms and conditions apply. Excludes pharmacist only medicine (Schedule 3 medicines) and prescription only medicine. Discount applicable off current in store price. Must show HCF membership card to staff and scan better rewards card upon checkout to claim discount.

^~~~ HCF members aged 18 years or over who have held eligible cover for at least 1 week and are up to date with their premiums may be eligible to the Promotion when they quote and buy a new HCF Travel Insurance policy online during the promotion period (1 May 2026 12.01am AEST until 30 June 2026 11.59pm AEST). For this offer, eligible cover includes all Hospital and Extras products, plus selected Life and Recover Cover products (full list available here) and excludes Overseas Visitor Health Cover and Ambulance Only Cover. Visa e-Gift cards will be distributed by 17 August 2026 unless your Travel Insurance policy is cancelled prior. Visit https://www.allianz-partners.com/en_AU/products/travel/hcf-campaign.html for terms and conditions. HCF reserves the right to amend or withdraw this offer at any time without notice (though will apply it to purchases made before it is amended or withdrawn). 

The Hospitals Contribution Fund of Australia Ltd ABN 68 000 026 746 AFSL 241414 (HCF) arranges this insurance as agent for AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 trading as Allianz Global Assistance (AGA). AGA arranges and manages travel insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz). Terms, conditions, exclusions, limits and applicable sub-limits apply. HCF, Allianz and AGA do not provide any advice on this insurance based on any consideration of your objectives, financial situation or needs. Because of that, you should consider whether the advice is appropriate for you. Before making a decision please consider the Product Disclosure Statement, the Financial Services Guide and Target Market Determination (TMD). The TMD is available at allianzpartners.com.au/policies. If you purchase a policy, HCF and AGA receive a commission which is a percentage of your premium - ask us for more details before we provide you with services.

^** HCF members who have held eligible cover for at least 1 week and are up to date with their premiums can receive a 25% discount on HCF Travel Insurance. For this offer, eligible cover includes all Hospital and Extras products, plus selected Life and Recover Cover products (see HCF Thank You terms and conditions for the full list) and excludes Overseas Visitor Health Cover and Ambulance Only Cover. To access the discount code, log in to the My Membership app or online member services and go to the travel section of the HCF Thank You page to find the code. 25% discount applies to new policy purchases and is based on standard premium rates (including optional covers). It applies automatically upon successful input of the discount code and applies to any changes, upgrades or amendments made to the policy prior to commencement of the journey. The discount may apply to changes made after commencement of the journey, contact Allianz Global Assistance to find out more. Cannot be used in conjunction with, or in addition to any other discounts. No additional discounts will be provided to Members who already receive a Member discount. Please contact us for more information.

⁺⁺ Eligibility criteria apply. For more information see hcf.com.au/thank-you-app

^*** Terms and conditions apply. Please read the relevant Product Disclosure Statement, Policy Document and Financial Services Guide available by calling 1800 560 855 or visiting hcf.com.au/lifeinfo, and consider your financial situation, objectives, and needs before deciding on these products as any advice provided does not take these into account. In addition to these documents, you should also read the Target Market Determination (TMD) for the product, which is available at hcf.com.au/lifeinfo. Our Recover Cover products are issued by our own HCF Life Insurance Company Pty Ltd. ABN 37 001 831 250, AFSL 236 806 (HCF Life). HCF Life is a wholly owned subsidiary of The Hospitals Contribution Fund of Australia Limited ABN 68 000 026 746, AFSL 241 414 (HCF). The premiums for the life insurance products are paid to HCF Life. HCF receives commission from HCF Life for their sale of up to 40% of the first year’s premium plus an additional commission of 80% of HCF Life’s underwriting profit each year calculated as premiums less claims and expenses. HCF’s staff may receive an incentive depending on the annual premium of these products which they sell. This will not exceed 15% of the first year’s premium.

^{^^^} Less than 24 months’ life expectancy. Subject to terms and conditions, exclusions, limitations and definitions. Please refer to the PDS and Policy Document for further information.

⁺⁺⁺ To be eligible, HCF Members must have HCF hospital or extras cover. Excludes Ambulance Only and Overseas Visitors Health Cover.

^### The Hospitals Contribution Fund of Australia Ltd ABN 68 000 026 746 AFSL 241414 (HCF) arranges Home and Contents Insurance, Motor Insurance and Landlord Insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 234708 (Allianz). 

HCF and Allianz do not provide any advice based on any consideration of your objectives, financial situation or needs. Policy terms, conditions, limits, applicable sub-limits and exclusions apply. Before making a decision:

• in relation to Home and Contents Insurance, please consider the relevant Home and Contents Insurance Product Disclosure Statement (PDS), any applicable supplementary PDS, the Home Buildings or Home Contents Key Fact Sheets and the Financial Services Guide. The relevant Target Market Determination is available by calling 1300 657 046. 

• in relation to Motor Insurance, please consider the relevant Motor Insurance Product Disclosure Statement (PDS), any applicable supplementary PDS and the Financial Services Guide. The relevant Target Market Determination is available by calling 1300 657 046. 

• in relation to Landlord Insurance, please consider the relevant Landlord Insurance Product Disclosure Statement (PDS), any applicable supplementary PDS, the Landlord Buildings or Landlord Contents Key Facts Sheets and the Financial Services Guide. The relevant Target Market Determination is available by calling 1300 657 046.  

If you purchase a policy of HCF Home and Contents Insurance, HCF Motor Insurance or HCF Landlord Insurance, HCF will receive a commission of up to 5% of the premium for each Home and Contents Insurance policy, Motor Insurance policy or Landlord Insurance policy issued or renewed. HCF may also receive a share of up to 40% of the underwriting profit for HCF Home and Contents Insurance, HCF Motor Insurance and HCF Landlord Insurance policies. Ask us for more details before we provide you with services.

^~ HCF members who have held eligible cover for at least 1 week and are up to date with their premiums may claim a $100 Visa e-Gift card when they get a quote and buy a new HCF Home, Landlord and/or Comprehensive Car Insurance policy online during the promotion period (1 May 2026 12.01am AEST until 30 June 2026 11.59pm AEST). For this offer, eligible cover includes all Hospital and Extras products, plus selected Life and Recover Cover products (full list available here) and excludes Overseas Visitor Health Cover and Ambulance Only Cover. Visa e-Gift cards will be distributed by 11 August 2026 unless your Home, Landlord or Comprehensive Car Insurance policy is cancelled prior. Visit hcf.com.au/hmgiftcard for terms and conditions. HCF reserves the right to amend or withdraw this offer at any time without notice (though will apply it to purchases made before it is amended or withdrawn).

^< HCF members who have held eligible cover for at least 1 week and are up to date with their premiums can save 5% on HCF Home, Landlord and Car Insurance. For this offer, eligible cover includes all Hospital and Extras products, plus selected Life and Recover Cover products (see HCF Thank You terms and conditions for the full list) and excludes Overseas Visitor Health Cover and Ambulance Only Cover. To redeem the discount HCF members must have the HCF My Membership app or online member services set up, and be logged in when you quote and buy a new HCF Home, Landlord and/or Car Insurance policy online via the HCF Thank You webpage.​

The discount will be applied to standard premiums, including for optional covers, after all other eligible discounts, to the extent that any minimum premium is not reached (noting that if you are eligible for more than one discount, we apply each of them in a predetermined order to the premium as reduced by any prior applied discounts/entitlements). The discount does not apply to taxes and government charges. The discount will continue to apply automatically in the event the policy is renewed, while this offer continues. ​

HCF reserves the right to change, remove or amend this offer without providing written notice. Visit the HCF Thank You Terms or the relevant section of the HCF My Membership app for further information and terms and conditions.​

^{^^} To access the discount, log in to the My Membership app or online member services, look for the CTG offer under Health & Wellbeing Programs, and click ‘Explore the CTG range’. Offer applies to selected products only. 

^# Flip advice is general in nature. We don’t take into account your personal circumstances, so please consider how appropriate it is for you before taking action. It’s important to read our Product Disclosure Statement and Financial Services Guide and Target Market Determination before signing up, too.

HCF Life Insurance Company Pty Ltd ABN 37 001 831 250, AFSL 236 806 (HCF Life) is the issuer of Flip Insurance. Flip Insurance Pty Ltd ABN 71 648 680 960, ARN 001288198 (Flip Insurance) is a wholly owned subsidiary and authorised representative of HCF Life. HCF Life is a wholly owned subsidiary of The Hospitals Contribution Fund of Australia Limited ABN 68 000 026 746, AFSL 241 414 (HCF), and acts on its own behalf.

Premiums for Flip cover are paid to HCF Life. HCF receives commission of 80% of HCF Life’s underwriting profit each year calculated as premiums less claims and expenses. Flip Insurance may receive remuneration from HCF Life for the financial services it provides in relation to Flip cover. Flip Insurance and HCF Life employees receive a salary, paid by HCF Life, for the financial services they provide in relation to Flip cover. In addition, HCF, HCF Life and Flip Insurance employees may also receive an incentive depending on the total revenue and profitability of Flip products, and for meeting their compliance obligations. This remuneration is provided on a discretionary basis and may vary from time to time.

⁺⁺⁺⁺ Offer is valid until 01/06/2026. You will receive 15% off cover for a day, a week, or the first month of a monthly subscription of Flip Active/Kids and 15% off cover for a week with Flip Roaming. This discount does not apply to the Flip Active/Kids 90-day, 180-day or annual subscription covers or to the Flip Group Active. Offers are subject to change without advance notice. Read the promo terms at flipinsurance.com.au/promo-terms

^***** Administered by a qualified immuniser. Age restrictions apply – visit Ramsay Pharmacy Flu Vaccinations for more information. Please allow 15 mins post-vaccination for monitoring. Free flu vaccinations are subject to immuniser availability, treating physician consent and vaccine supply. Bookings for children under 16 years who are eligible for the vaccine require parent/guardian consent. Available at selected Ramsay Health Care facilities in NSW and Vic. See participating Ramsay Health Care Hospitals.

^{^^^^} Must have at least 20 HCF dollars in cleared funds. Only members who pay their premiums by credit card or direct debit can use their HCF dollars to reduce premiums.

^#### This offer is only available to HCF members with eligible extras cover who have served their waiting periods and who are up to date with their premiums. Offer applies to direct surface fillings only, up to 2 surfaces per tooth. For direct surface fillings to 3, 4 or 5 surfaces, a gap payment will apply for the number of surfaces exceeding 2 (per tooth).

^**** 100% back available on selected covers for 1 or 2 dental check-ups and scale and cleans per year at HCF Dental Centres. Waiting periods and annual limits apply. To find all HCF Dental Centres see hcf.com.au/dental

^~~~~ To be eligible, you must have an active HCF health, life or Overseas Visitors Health Insurance policy and your premiums must be up to date (excluding Ambulance Only Cover and RT Health Cover). Offers and partners are subject to change without advance notice. See the HCF Thank You app Terms and Conditions.

^{^^^^^} Competition starts 12:01 AM AEST 1 June 2026. Competition closes 11:59 PM AEST 30 June 2026. Total Prize value is $14,880. Prize pool consists of 374 Prizes. Draw prizes are 5 x HCF Digital Prepaid Mastercards® valued at AUD $1000 each. Instant win prizes are 1 x Adrenaline AU voucher valued at $250 each, 1 x Experience Oz voucher valued at $250 each, 2 x RedBalloon vouchers valued at $200 each, 5 x Village Gold Class Double Passes valued at $96 each, 10 x Breville vouchers valued at $50 each, 100 x Dietlicious vouchers valued at $30 each and 250 x $20 HCF Dollars. Entry is only open to Australian residents who are 18 years of age or over, not employees of HCF or agencies associated with the conduct of the Promotion (or their immediate family members) and have an active HCF health, life or Overseas Visitors Health Insurance policy with their premiums up to date (excluding Ambulance Only Cover and RT Health Cover). Entrants must be registered on the HCF Thank You app and link their HCF policy, then click the 'Spin the Wheel' tile in the app. Limit of 1 spin per member. Draw: 11am AEST, 6 July 2026, Level 13/60 Castlereagh St Sydney NSW 2000, Australia. Draw winners published at hcf.com.au/spintowin by 13 July 2026. Full terms and conditions available here. ACT Permit No. TP 26/00660, NSW Authority No. TP/03056 and SA Permit No. T26/501