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.
LOWEST ANNUAL RATE INCREASE OF THE MAJOR HEALTH FUNDS
As Australia’s largest not-for-profit health fund, we’re focused on keeping health cover affordable and accessible for our members. That’s why we’re delivering the lowest rate increase among the major health funds.
Learn more
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.
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.
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.
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
That's why, as an HCF member, you can also save 5%** when you quote and buy HCF Home Insurance## online.
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
As an HCF member, you can also save 5%** when you quote and buy HCF Car Insurance## online.
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^.
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.
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.
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+
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:
- 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.
If you purchase a policy of Home and Contents Insurance or Motor Insurance, HCF will receive a commission of up to 10% of the premium for each policy issued and renewed and 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.