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Compare & Switch
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Compare & Switch
Looking to compare, take out private health insurance or make the switch to HCF? Find the right cover for your needs and we’ll take care of the rest.
- Compare Health Insurance
- Switch health insurance to HCF
- Get a quote
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Health
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Health
Discover the benefits of private health insurance for you and your family, including comprehensive health support and how to find a provider near you.
- Why health insurance
- Find health insurance cover
- Corporate health search
- Find a provider
- Health programs
- Get a quote Find out more
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Overseas Health Cover
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Overseas Visitors Health Insurance (OVHC)
Whether you’re here for work or visiting Australia, get access to the health care services you may need with Overseas Visitors Health Cover (OVHC).
- Search for my visa
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- Why you need OVHC
- Make a claim
- Find a hospital or doctor
- Online GP consultations
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Life
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HCF Life and Recover Cover
Count on HCF Life & Recover Cover to stand by you during life’s unexpected challenges and reduce the financial stress on your family’s future.
- Why Life Insurance and Recover Cover
- Find Life Insurance and Recover Cover
- Compare Life Insurance and Recover Cover
- Income Protect Insurance
- Life Protect Insurance
- Critical Illness Insurance
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Travel
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Travel
Prepare for the unexpected with HCF Travel Insurance. Designed to provide cover for delayed luggage, overseas medical emergencies and more for singles, duos and families.
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Pet, Home & Car
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Pet, Home & Car
From furry friends to your home and the four wheels guiding you back to your loved ones, find pet insurance, as well as home and car cover options.
- Home & Contents
- Landlord
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- Pet
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Flip
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Flip
Flip helps you to embrace life's moments with simple, affordable insurance and easy access to preventative dental care.
- Flip insurance
- Flip Dental
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About HCF
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About HCF
Learn more about Australia’s largest not-for-profit health fund, how we reward our members, HCF benefits, partnerships, research initiatives and more.
- Our benefits
- Our partners
- Member care services
- Research Foundation
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NO-GAP DAY SURGERY
Our special no-gap agreement with select hospitals means you can access high-quality, convenient hospital care with no out-of-pocket costs*.
WHY CHOOSE NO-GAP DAY SURGERY?
Spend less time in hospital and avoid out-of-pocket costs on a range of eligible same-day procedures at select hospitals*.
No out-of-pocket costs
Have greater certainty around fees and charges with no out-of-pocket costs for eligible procedures*.
Recover at home
Spend less time in hospital with same-day discharge and the ability to recover in the comfort of your home.
Most services covered
No gap to pay for hospital admission*, surgeon and anaesthetist costs, and diagnostic tests like blood tests and scans^.
Coordinated care
Take the stress out of going to hospital with the same team coordinating your care from hospital admission through to discharge.
NO-GAP DAY SURGERY HOSPITALS
Eligible members* can access the No-Gap Day Surgery procedures set out below at the following hospitals.
East Sydney Private Hospital (NSW)
Endoscopy+
Hernia surgery#
HOW TO ACCESS NO-GAP DAY SURGERY
- Log in to check your cover and see if you’re eligible for No-Gap Day Surgery*.
- Check to see if there’s a No-Gap Day Surgery Hospital near you in the list above.
- Ask your GP or specialist if No-Gap Day Surgery Hospital is right for you, and to get a referral.
NO-GAP PROCEDURES WE COVER
Learn more about how each procedure works and hear from HCF members about their experience preparing for surgery and recovering.
Endoscopy+
A flexible tube is inserted into the oesophagus or colon to examine organs, diagnose conditions and perform treatments.
Hernia surgery#
Doctors use open or keyhole surgery to treat tissue bulging through an opening in your abdominal or groin muscle.
OTHER HEALTH PROGRAMS
No-Gap Joints program
Our No-Gap Joints program for primary hip and knee replacements gives eligible members peace of mind with no out-of-pocket costs**.
Heart health and diabetes
If you have a heart condition or diabetes, you can access a range of preventative and management programs like The COACH Program^^, Cardihab^^ and more.
Weight management
Find support to help you develop healthier habits, manage your weight, and prevent the risk of certain health conditions with our range of evidence-based weight management programs.
Mental health
We've developed a comprehensive range of mental health support programs, with options available for all ages and the freedom to choose what works for you.
FREQUENTLY ASKED QUESTIONS
Learn more about No-Gap Day Surgery with these answers to common questions.
To access the No-Gap Day Surgery program, you must have an active hospital policy with HCF (excluding Overseas Visitors Health Cover) that covers the relevant procedure for at least 12 months. You'll also need to have been accepted into that specific no-gap program by a participating hospital and surgeon, based on clinical criteria.
You can check your cover in the My Membership app, online member services, or by calling us on 13 13 34.
In addition to your waiting periods, you'll need to have held hospital cover that covers the day procedure with HCF for at least 12 months before you can access the No-Gap Day Surgery program.
If you're eligible for the No-Gap Day Surgery program, and the procedure is being provided by a participating hospital, surgeon and anaesthetist, you won't need to pay any out-of-pocket costs for:
- hospital admission
- surgeon costs
- anaesthetist costs
- diagnostic tests that are undertaken as part of the procedure.
You may be required to pay a hospital excess, depending on your cover and if you're claiming for the first time in the calendar year. There may also be some small permitted gaps and additional costs for outpatient appointments, like a visit to your surgeon in their consulting rooms. If you need additional services during your admission (eg. if you have other medical conditions such as diabetes or cardiac conditions), these are not covered by the No-Gap Day Surgery program.
If there are complications with your surgery and you need additional care or services beyond what's included in the No-Gap Day Surgery program, you may have to cover these costs yourself. Talk to your participating surgeon and anaesthetist to confirm what these costs might be so you can provide Informed Financial Consent.
Yes, we’ll be adding more hospitals and procedures to the No-Gap Day Surgery network over time.
If you have any questions about how No-Gap Day Surgery works, or if you're eligible, you can give us a call on 13 13 34 or email service@myhcf.com.au
To access the No-Gap Day Surgery program, you must have an active hospital policy with HCF (excluding Overseas Visitors Health Cover) that covers the relevant procedure for at least 12 months. You'll also need to have been accepted into that specific no-gap program by a participating hospital and surgeon, based on clinical criteria.
You can check your cover in the My Membership app, online member services, or by calling us on 13 13 34.
In addition to your waiting periods, you'll need to have held hospital cover that covers the day procedure with HCF for at least 12 months before you can access the No-Gap Day Surgery program.
If you're eligible for the No-Gap Day Surgery program, and the procedure is being provided by a participating hospital, surgeon and anaesthetist, you won't need to pay any out-of-pocket costs for:
- hospital admission
- surgeon costs
- anaesthetist costs
- diagnostic tests that are undertaken as part of the procedure.
You may be required to pay a hospital excess, depending on your cover and if you're claiming for the first time in the calendar year. There may also be some small permitted gaps and additional costs for outpatient appointments, like a visit to your surgeon in their consulting rooms. If you need additional services during your admission (eg. if you have other medical conditions such as diabetes or cardiac conditions), these are not covered by the No-Gap Day Surgery program.
If there are complications with your surgery and you need additional care or services beyond what's included in the No-Gap Day Surgery program, you may have to cover these costs yourself. Talk to your participating surgeon and anaesthetist to confirm what these costs might be so you can provide Informed Financial Consent.
Yes, we’ll be adding more hospitals and procedures to the No-Gap Day Surgery network over time.
If you have any questions about how No-Gap Day Surgery works, or if you're eligible, you can give us a call on 13 13 34 or email service@myhcf.com.au
To access the No-Gap Day Surgery program, you must have an active hospital policy with HCF (excluding Overseas Visitors Health Cover) that covers the relevant procedure for at least 12 months. You'll also need to have been accepted into that specific no-gap program by a participating hospital and surgeon, based on clinical criteria.
You can check your cover in the My Membership app, online member services, or by calling us on 13 13 34.
In addition to your waiting periods, you'll need to have held hospital cover that covers the day procedure with HCF for at least 12 months before you can access the No-Gap Day Surgery program.
If you're eligible for the No-Gap Day Surgery program, and the procedure is being provided by a participating hospital, surgeon and anaesthetist, you won't need to pay any out-of-pocket costs for:
- hospital admission
- surgeon costs
- anaesthetist costs
- diagnostic tests that are undertaken as part of the procedure.
You may be required to pay a hospital excess, depending on your cover and if you're claiming for the first time in the calendar year. There may also be some small permitted gaps and additional costs for outpatient appointments, like a visit to your surgeon in their consulting rooms. If you need additional services during your admission (eg. if you have other medical conditions such as diabetes or cardiac conditions), these are not covered by the No-Gap Day Surgery program.
If there are complications with your surgery and you need additional care or services beyond what's included in the No-Gap Day Surgery program, you may have to cover these costs yourself. Talk to your participating surgeon and anaesthetist to confirm what these costs might be so you can provide Informed Financial Consent.
Yes, we’ll be adding more hospitals and procedures to the No-Gap Day Surgery network over time.
If you have any questions about how No-Gap Day Surgery works, or if you're eligible, you can give us a call on 13 13 34 or email service@myhcf.com.au
Important Information
* To access the No-Gap Day Surgery program, you must have an active hospital policy with HCF (excluding Overseas Visitors Health Cover) that covers the relevant procedure and have held that cover with HCF for at least 12 months. You'll also need to have been accepted into that specific no-gap program by a participating hospital and surgeon. You may be required to pay a hospital excess, depending on your cover and if you're claiming for the first time in the calendar year. There may also be some small permitted gaps and additional costs for outpatient appointments, like a visit to your surgeon in their consulting rooms.
^ Diagnostic test, scans and blood tests must be carried out on the day of the procedure and undertaken as part of the procedure.
+ For endoscopy procedures, members must have an active hospital policy (excluding Overseas Visitors Health Cover) with HCF that covers gastrointestinal endoscopy and have held that cover with HCF for at least 12 months, and be accepted into the No-Gap endoscopy program by a participating clinician and hospital based on clinical criteria. Members must undergo the procedure at a participating hospital before 21 August 2026.
# For hernia procedures, members must have an active hospital policy (excluding Overseas Visitors Health Cover) with HCF that covers hernia procedures and have held that cover with HCF for at least 12 months, and be accepted into the No-Gap hernia program by a participating clinician and hospital based on clinical criteria. Members must undergo the procedure at a participating hospital before 21 August 2026.
** Eligible members will need to have an active hospital policy (excluding Overseas Visitors Health Cover) that covers primary hip and knee replacements and have held that cover with HCF for 12 months. Members will be accepted into the program in line with clinical criteria by the participating clinician and hospital on a patient-by-patient basis. Must be admitted at Macquarie University Hospital, East Sydney Private Hospital, Hurstville Private Hospital or Vermont Private Hospital. Eligible members must undergo the joint replacement surgery before the proposed trial program end date. The No-Gap Joints Program is proposed to end on 31 December 2025 at Macquarie University Hospital, 31 March 2026 at Hurstville Private Hospital and East Sydney Private Hospital, 30 April 2026 at Vermont Private Hospital and 13 July 2026 at The George Centre.
^^ Eligibility criteria apply. For more information visit hcf.com.au/heart-health-programs
HCF acknowledges the traditional custodians of the lands and water upon which we work and live. We acknowledge Aboriginal and Torres Strait Islander peoples’ rich history as traditional healers and scientists, who have taken care of the health of the land and its people for thousands of years. We give thanks to elders past and present, who we have much to learn from on our reconciliation journey. View our Reconciliation Action Plan