GET MORE BACK FROM YOUR EXTRAS COVER
You could get 100% back on a range of no-gap services* through our More for You programs - there's care and then there's Uncommon Care.
Our nationwide network of participating providers gives you access to comprehensive extras cover at an affordable price.
To find out what services you can claim 100% back on under your cover, log in to online member services and refer to your Product Summary under 'Cover details'.
OUR 100% BACK SERVICES
MORE FOR HEARING
Through our partnership with Connect Hearing, you could get up to 100% back^ or a reduced cost on a range of high-quality hearing aids (1 every 3 years).
You can also access free online tools to better understand your hearing.
MORE FOR BACKS
If you're eligible for our More for Backs program, you could get 100% back* on a first visit with a participating chiropractor or osteopath (one per calendar year).
Find a participating provider now.
NOT A MEMBER YET?
WHAT AM I COVERED FOR?
As an HCF member, it’s important to know what More for You programs are included as part of your cover. To find out which no-gap services you’re covered for, log in to online member services to find your Product Summary under ‘Cover details’.
Our More for You programs have higher benefits so participating providers don't charge a gap for selected services. This means you’ll get 100% back on that service, up to your annual limit.
SAY HELLO TO OUR MY MEMBERSHIP APP
We’re focused on putting our money where it matters – our members.
That’s why our new look My Membership app is designed to take the hassle out of health cover and put you back in charge with a simpler, easier experience.
FREQUENTLY ASKED QUESTIONS
Regular vs participating providers
Can I visit any dental, optical, physio, chiro, osteo and podiatrist provider?
You can visit any provider HCF recognises. However, if the provider isn’t part of our More for You programs, it's unlikely you'll get 100% back on the services covered by the program.
If I go to a participating provider, will 100% be claimable under my annual limits?
Yes, if your cover has an annual limit for that service, it will. While you’ll have no gap to pay, the benefit amount for the service will be deducted from your annual limit. Once you’ve used all your annual limit you won’t be able to claim any benefits for that service category anymore.
How much can I get back if I’m seeing a provider who isn’t a participating More for You program provider?
It depends on how much your provider charges for that service. Indicative benefit amounts (how much you can claim back) are shown on your product summary. Anything above that will be an out-of-pocket expense for you. If the charge for your service is less than the benefit amount, you’ll only get the amount charged back.
Does HCF have its own dental and eyecare centres?
Yes, in some states we offer HCF Dental and Eyecare centres which participate in our More for You programs.
HCF Dental and Eyecare are part of HCF, Australia’s largest not-for-proﬁt health fund, which means, we’re never compromised in putting you and your health first.
Claiming, out-of-pockets, benefits and limits
What’s the difference between a benefit and an annual limit?
A benefit is the amount your cover allows you to claim back for each service a provider delivers. The benefit amount depends on your level of extras cover and each service is subject to a maximum amount known as an ‘annual limit’ that you can claim every year. Once you reach your annual limit for that extras service, you can’t claim anymore benefit amounts for that calendar year. Some services don't have an annual limit and instead accrue over time. Your product summary tells you which these are.
When do waiting periods apply?
Waiting periods apply when you:
I’ve recently switched to HCF what can I claim?
If you’ve switched from another health fund, you may not need to serve waiting periods, if:
- your HCF cover includes the same level of benefits and services as your previous cover; and
- you’ve served the equivalent waiting periods with your previous fund (except for hearing aids).
To avoid serving waiting periods again when switching between funds, you’ll need to have switched from another Australian registered health insurer or an international health insurer belonging to the International Federation of Health Plans, and to have joined within 1 month of ending your previous membership. These rules also apply if you’ve switched from another HCF product.
Unfortunately, when you switch funds, you can’t transfer over any loyalty rewards, including increased limits. If you joined HCF during a special offer, some waiting periods might be waived. Get in touch with us to check which waiting periods may apply. To see what waiting periods apply for different services log in to online member services to find your Product Summary under ‘Cover details’.
Does everyone on my policy have their own annual limit?
This depends on your level of cover. To find out what your annual limit looks like, log in to online member services to find your Product Summary under ‘Cover details’.
How do I claim on extras services?
The easiest way to claim is by using your membership card when visiting a recognised provider. You can also claim through our My Membership app, online member services or at a branch.
For more detailed information on claiming, log in to online member services and go to ‘Claims’.
UNCOMMON CARE IN UNCERTAIN TIMES
*100% back from providers in our No-Gap network is available on selected covers. Waiting periods and annual limits apply.
#89.2% compared to 85.6% across the industry. Calculated based on the average of the past 10 years, sourced from APRA Statistics: Private Health Insurance Operations Reports 2014-23.
^Subject to your level of cover.