WE PUT OUR MONEY WHERE OUR MEMBERS ARE

We had the lowest average rate rise of the major funds in 2024.

And have won more Canstar Awards than any other health fund+.

Now, with HCF Value Ads, our members could take over our ads. T&C's apply.

We’ve won more Canstar Health Insurance Awards than any other Health Insurer in 2024~~~~.

We’ve paid out more benefits than the industry average over the last 10 years+++.

100% back+ on a dental check-up and other popular extras through our No-Gap network.

Find out moreGet a quote Learn more

We take care of more than health insurance. Our unique range of flexible life insurance products pay you cash, to help take care of the unexpected costs that come with recovery.

Learn more

WANT TO TAKE OVER OUR ADS?

At HCF, we’re always giving members more value.​

Like winning more Canstar Health Insurance Awards than any other insurer in 2024++, discounted e-gift cards on everyday essentials+ and 100% back on popular extras through our No-Gap network*. Now, we’re even giving members the chance to take over our advertising.​

Simply email ValueAds@hcf.com.au with your HCF membership number. Tell us what you would do or say, and the ad could be yours.

Terms and conditions apply. ​

YOUR HEALTH PARTNER IN YOUR POCKET

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

Learn more about the app

OUTSTANDING VALUE HEALTH INSURANCE 9 YEARS IN A ROW

At HCF, our focus is where it should be – on providing great value insurance for our members.

That's why we're pleased to announce we've won this year’s Canstar Health Insurance Awards' highly coveted Outstanding Value Award for Health Insurance for the 9th year in a row (2016 to 2024).

We were also recognised for continuing to provide outstanding value across Hospital and Hospitals and Extras State Awards for 2024, including:

  • Hospital Insurance Award – WA, SA and Qld
  • Hospital and Extras Insurance Award – Tas, Vic and WA

We’re proud that our cover has been recognised by independent review body Canstar for meeting Australians’ needs and budgets. Just another way we’re putting our money where our members are.

Learn more

HEALTH AND WELLBEING SUPPORT

Our industry-leading health and wellbeing programs are pretty uncommon, helping members live happier, healthier lives.

Leading Mental Health Programs

Access a range of holistic mental health and wellbeing programs providing eligible members with access to the right support, at the right time - that's Uncommon Care.

100% Back on Extras

You can get 100% back* on a dental check-up or first visit to a physio, chiro or osteo when you see an extras provider in our No-Gap network.

ALL YOUR DENTAL NEEDS, COVERED

Our Dental Centres provide high-quality treatment at affordable rates for a whole range of dentistry needs for you and your family.

NEW NATIONAL PARTNERSHIP WITH THE SMITH FAMILY

HCF has a social mission to build healthier communities by helping to address important social issues impacting health outcomes. We know education is essential to breaking the cycle of poverty and improving long-term health outcomes, which is why we’ve established a major 3-year partnership with The Smith Family, a national children’s education charity.

Our financial commitment will enable 1,500 young students across Australia to be part of the Learning for Life program, providing them with long-term financial, personal and practical educational support to reach their full potential.

Learn more

SAVE ON HCF HOME INSURANCE

We understand the importance of safeguarding your home and belongings against the unexpected.

That's why, as an HCF member, you can also save 5%** when you quote and buy HCF Home Insurance## online.
 
Learn more

SAVE ON HCF CAR INSURANCE

Safeguard your car, ute or SUV from the unexpected with new HCF Car Insurance.

As an HCF member, you can also save 5%** when you quote and buy HCF Car Insurance## online.
 
Learn more

FLIP – ON-DEMAND ACCIDENTAL INJURY COVER

We want Aussies to have access to affordable, flexible protection when they need it. That's why we’ve developed Flip – our pay-as-you-go cover for accidental injuries.

Get short-term cover for you or your kids for (almost) any activity. Choose a day, week or monthly subscription, with no waiting periods or lock-in contracts. You can also get weekly accidental injury cover for selected overseas destinations^.

Explore Flip

Empowering women to take charge of their health

Managing good health and making informed decisions starts with the right information.

Our Women's Health Hub gives you practical information and real-life stories to take charge of your health and wellbeing, covering topics like endometriosis, fertility, mental health, fitness, sexuality, pregnancy and menopause.

Explore now

MENOPAUSE MATTERS PODCAST

Join host Alison Brahe-Daddo as she chats with leading experts to unpack the experience of perimenopause and menopause, including ways to manage your symptoms, how to navigate your career, mental health and relationships during this time, as well as the joys of life post-menopause.

 

Listen here

SAVE MONEY WITH THANK YOU

We want our members to get the most value from their health cover, which is why we created our reward and recognition program, HCF Thank You. Members can access a range of exclusive offers, discounted e-Gift cards and benefits designed to reward them choosing and sticking with us+. Here are just some examples of our recent offers:

  • 3% Off Woolworths e-Gift Cards+
  • 4% Off JB Hi-fi e-Gift Cards+
  • 3% Off Harvey Norman e-Gift Cards+
  • 7% Off Rebel e-Gift Cards+
Log in to online member services

HCF AND RT HEALTH STRONGER TOGETHER

We've merged with not-for-profit fund rt Health, bringing two leading mutual health funds together as one.

Ways to connect with us

USE THE APP

The My Membership app is the easiest way to stay on top of your health insurance admin.

LOG IN ONLINE

Managing your account on the go is easy with our online member services tool.

CALL US TODAY

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

FIND A BRANCH

Visit your nearest branch for health insurance advice, claiming, joining and more.

Important Information

* 100% back through our No-Gap network is available on selected covers. Waiting periods and annual limits apply. Our network of healthcare providers change often. Please check that your provider is part of our network before you book or attend an appointment. See hcf.com.au/100back

^ Read the PDS and TMD for Flip insurance products at getflip.com.au and consider whether they’re appropriate for you. Flip Insurance is issued by HCF Life.

+ Eligibility criteria applies. 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 without advance notice. See the HCF Thank You Terms available here.

** To access the link, log in to the My Membership app or online member services and go to the insurance section of the HCF Thank You page. The 5% discount applies automatically when you use the applicable link to quote and buy a new HCF Home Insurance policy and/or HCF Car Insurance policy online. The discount will be applied to standard premiums (including for optional covers except for Domestic Worker's Compensation if available and selected for HCF Home Insurance) 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 partners and offers without providing written notice. HCF Thank You terms and conditions apply.

## The Hospitals Contribution Fund of Australia Ltd ABN 68 000 026 746 AFSL 241414 (HCF) arranges Home and Contents Insurance and Motor 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:

If you purchase a policy of Home and Contents Insurance, HCF will receive a commission of up to 10% of the premium for each HCF Home and Contents Insurance policy issued or renewed on or before 30 August 2024 and up to 5% of the premium for each HCF Home and Contents Insurance policy issued or renewed after 30 August 2024. If you purchase a policy of Motor Insurance, HCF will receive a commission of up to 5% of the premium for each HCF Motor Insurance policy issued or renewed. HCF may also receive a share of up to 40% of the underwriting profit. Ask us for more details before we provide you with services.

++ Winner of the 2024 Outstanding Value Health Insurance Award, Hospital Insurance Award in WA, SA and Qld and Hospital and Extras Award in Tas, Vic and WA.

PRIVACY COLLECTION NOTICE (HCF)

The Hospitals Contribution Fund of Australia Ltd (HCF) collects the information you submit in order to conduct the Value Ads Campaign. HCF will use this information, and may disclose this information to HCF’s marketing agency, to assess whether your submission will be used in the campaign and to contact you about the outcome. HCF's marketing agency may also contact you directly about your submission. If you do not provide this information or provide incomplete information you will be unable to participate in the campaign. HCF’s Privacy Policy explains how and for what purposes HCF collects, uses and discloses personal information, how to request access to and correction of personal information, how to complain about a privacy breach and how HCF handles complaints. The HCF Privacy Policy is available online. 

Discover the right protection for you

SWITCHING TO HCF
IS EASY

  • We'll contact your current fund, so you don't have to.

  • Waiting periods waived for benefits you already have covered.

  • 30-day money-back, cooling off period^^.

Switch now

15 minute hassle-free application

canstar-2016-2023-outstanding-value-health-insurance-australia-ol-2

canstar OUTSTANDING VALUE HEALTH INSURANCE~~~~

Winner of the 2024 Outstanding Value Health Insurance Award at this year's Canstar’s Health Insurance Awards, which we've won 9 years in a row~~~~.

what type of cover are you looking for?

Health
Life
Travel
Pet

Health insurance

A flexible range of cover options, from basic to more comprehensive cover.

ambulance only

Covers you for the cost of emergency and non-emergency ambulance fees Australia-wide#.

overseas visitor

A range of cover options to ensure your health is taken care of while you're in Australia.

HCF CORPORATE

Caring at work and beyond. Get access to corporate products, benefits and health programs.

SWITCHING TO HCF
IS EASY

  • We'll contact your current fund, so you don't have to.
  • We'll recognise waiting periods for benefits previously covered.
  • 30 day money-back, cooling off period**.
Switch now

15 minute hassle-free application

ON-DEMAND ACCIDENTAL INJURY COVER

Our pay-as-you-go cover with no waiting periods or lock-in contracts^^.

Explore Flip
Backed by

ON-DEMAND
ACCIDENTAL INJURY
COVER

Our pay-as-you-go cover with no waiting periods or lock-in contracts^^.

Explore Flip
Backed by

YOUR HEALTH PARTNER IN YOUR POCKET

We’re focused on putting our money where it matters – our members.

That’s why our My Membership app is designed to take the hassle out of health cover and put you back in charge with a simpler, easier experience.

Learn more
Membership-Main-Img Membership-Main-Img

our MEMBER offers and discounts

Woolworths JB Harvey-Norman myer GoodGuys Coles
Rebel Hello-Fresh Event-Cinemas Village-Cinemas Amazon APPLE
View all member offers

PUTTING MEMBER HEALTH FIRST

HCF and rt health stronger together

We’re pleased to welcome RT Health to HCF Group. Two leading mutual health funds coming together as one.

About our merger
MEMBERS HEALTH FUND ALLIANCE

We're proudly part of the Members Health Fund Alliance, Australia's unified voice for member-owned, not-for-profit health funds.

About the Alliance
UNITED WITH Transport Health

Transport Health is now part of the wider HCF family, representing transport industries and committed to industry workers.

About Transport Health

IMPORTANT INFORMATION down-Arrow

HEALTH

+++ 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.

~~~~ Outstanding Value Health Insurance Award 9 years in a row (2016-24). Winner of the 2024 Outstanding Value Health Insurance Award, Hospital Insurance Award in WA, SA and Qld and Hospital and Extras Insurance Award in Tas, Vic and WA.

+ 100% back through our No-Gap network is available on selected covers. Waiting periods and annual limits apply. Our network of healthcare providers change often. Please check that your provider is part of our network before you book or attend an appointment.

# HCF Ambulance Only is available to residents of ACT, NSW, NT, SA, Vic and WA. Residents of Qld & Tas are ineligible to purchase HCF Ambulance Only cover due to state schemes.

** Available if you change your mind and cancel your HCF policy within 30 days of joining, and haven't made a claim in that period.

FLIP

^^ Excludes pre-existing conditions. Read the PDS and TMD for Flip insurance products at getflip.com.au and consider whether Flip is appropriate for you. Flip Insurance Is issued by our own HCF life Insurance Company Pty Ltd ABN 37 001 831 250. AFSL 236 806.

TRAVEL

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.

PET

++ Policy terms, conditions, limits, sub-limits, exclusions, excesses and waiting periods apply.

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 1800 630 681 or petinsurance@hcf.com.au.

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, 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 for renewal by existing customers. 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. 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) and Target Market Determination (TMD) to ensure this product meets your needs before you renew your cover.

LIFE & RECOVER COVER

## 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.

Our Life and 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 241414 (HCF). 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. The premiums for Recover Cover 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.

LIFE INSURANCE CODE OF PRACTICE

HCF Life is bound by the Life Insurance Code of Practice which sets out the Australian life insurance industry's key commitments and obligations to customers. Further information is available at CALI Life Insurance Code of Practice.

Popular Packages

Singles and couples

HCF My Future 500 Basic Plus

From$24.25^per week

What's included?

  • Dental surgery
  • Hernia and appendix
  • Joint reconstructions
  • Tonsils, adenoids and grommets
  • Ear, nose and throat
  • Get back up to $750 on extras treatment a year (combined limit)
  • Plus you could get another $180 back for optical (limit)

Planning kids

HCF My Family Silver Plus

From$41.65^per week

What's included?

  • Pregnancy and birth
  • Gynaecology
  • Tonsils, adenoids and grommets
  • Flexible extras cover
  • 100% back on 2 dental check-ups a year through our provider network
  • And many more services

Families

HCF Hospital Premium Gold and Mid Extras

From$58.85^per week

What's included?

  • Pregnancy & assisted reproductive services
  • Joint replacements
  • No excess for same-day admissions
  • 100% back on 2 dental check-ups a year through our provider network
  • Prescription glasses
  • Cover on a range of therapies
  • And many more services
Not quite right? Customise your cover
Our team can help on 13 13 34

Member Benefits

Some of our HCF Thank You loyalty rewards and discounts++

4% OFF E-GIFT CARDS AT WOOLWORTHS

5% OFF E-GIFT CARDS AT JB HI-FI

Popular

5% OFF E-GIFT CARDS AT HARVEY NORMAN

8% OFF E-GIFT CARDS AT REBEL

Some of our other partners

SAY HELLO TO OUR
MY MEMBERSHIP APP

FAST, EASY
CLAIMING
Make a claim in minutes with our quick
and easy claims experience.
PAYMENT
FLEXIBILITY
Stay in financial control with easy payment
scheduling, direct debit set-up and handy reminders.
NO-FUSS
COVER REVIEW
Know what you’re covered for, manage your
preferences, view remaining limits and order a replacement card.
HEALTH
PROGRAMS AND
DISCOUNTS
Explore our range of health and wellbeing
programs and access special offers, discounts and more.
Fast, easy claiming
Payment flexbility
No-fuss cover review
Health programs and discounts

HCF and rt health stronger together

We’re part of the Members Health Fund Alliance

Flip On-demand accidental injury cover

IMPORTANT INFORMATION

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 Recover Cover 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.

+++ HCF will apply six weeks free cover and waive the 2-month waiting periods on extras for eligible members in accordance with these terms (Offer). Offer commences at 00:00 ADST on Tuesday 8 October 2024 and ends at 23:59 ADST on Monday 9 December 2024 (Offer Period). To be eligible for this Offer, you must be an Australian resident, aged 18 years or over, you must join combined HCF hospital & extras cover (excluding Hospital Premium Gold cover, Corporate Hospital Premium Gold and Overseas Visitors Health Cover) (Eligible Policy), you must start your Eligible Policy during the Offer Period and you must not have been an HCF member 2 months prior to taking out the Eligible Policy. If you're eligible, HCF will waive the 2-month waiting periods that apply to extras on your Eligible Policy. To be eligible for the six weeks free cover, you must also pay premiums for and maintain your Eligible Policy for 90 continuous days. HCF will extend the date your Eligible Policy is paid to by six weeks and may take up to six weeks to process the extension. HCF may, at its discretion, not permit this offer to be combined with other offers.

^ 100% back through More for You providers in our No-Gap network is available on selected covers. Waiting periods and annual limits apply. Providers are subject to change. We recommend that you confirm the provider prior to your appointment. See hcf.com.au/100back

~ 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.

+ The price quoted is for a single in NSW who are under 65, with a 24.608% government rebate and excludes any Lifetime Health Cover loading. A $500 excess has been applied to HCF My Future 500 Basic Plus, a $750 excess has been applied to HCF My Family Silver Plus and HCF Hospital Premium Gold and Mid Extras.

^^ Available if you change your mind and cancel your HCF policy within 30 days of joining, and haven't made a claim in that period.

# Eligibility criteria applies. 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 without advance notice. See the HCF Thank You Terms and conditions.

** HCF has partnered with Healthshare Pty Ltd (partly owned by Fairfax Media) to enable members and GPs to search for HCF Medicover No-Gap and Known-Gap doctors.

~~ 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 the Promo TermsProduct Disclosure Statement and Financial Services Guide and Target Market Determination before signing up, too.

++ Outstanding Value Health Insurance 8 years in a row, Canstar 2016 to 2023. We were also recognised for and awarded the Extras Insurance Award in NSW, Vic, Qld and Tas, and the Hospital and Extras  Insurance Award in Vic, Qld, WA, SA, NT and Tas.

LIFE INSURANCE CODE OF PRACTICE

HCF Life is bound by the Life Insurance Code of Practice which sets out the Australian life insurance industry’s key commitments and obligations to customers. Further information is available at CALI Life Insurance Code of Practice.