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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 Visitors
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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).
- Get a quote Find out more
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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.
- Find out more
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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.
- Find out more
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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.
- Pet
- Home & Contents
- Car
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Flip
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Flip
Flip is the flexible, great value accident cover made for active lifestyles. Whether you’re chasing waves or at the gym, get cover when you need it.
- Flip insurance
- Get cover now
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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.
- Member care
- Loyalty program
- Get help
- Our partners
- Research Foundation
- Sustainability
- Our benefits
- Get a quote
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Compare health insurance at HCF
If you’re ready to get health insurance or make the switch to a fund that puts its members first, compare plans and find outstanding value health cover today.
Compare health insurance for your needs
Compare our hospital and extras packages, hospital only cover, and extras only cover options to find cover that fits your health and budget needs, or mix and match for combined cover that works for you.
HCF My Future 750 Basic Plus
Hospital and extras cover including general dental and physio, designed for singles and couples getting health cover for the first time.
HCF My Future 500 Basic Plus
Hospital and extras cover that includes a flexible $750 combined limit on extras like general dental, plus $180 optical limit.
HCF My Future 250 Basic Plus
Hospital and extras cover that includes a flexible $900 combined limit on extras like general dental, plus $180 optical limit.
HCF My Family Silver Plus
Affordable hospital cover for families who want pregnancy cover, and a range of extras including physio and health programs.
HCF My Family Advanced Silver Plus
Affordable family hospital cover that includes pregnancy cover, and a range of extras like physio, orthodontics, podiatry and more.
HCF Hospital Basic Plus
Affordable hospital cover designed for the young and healthy.
HCF Hospital Bronze Plus
Affordable hospital cover for any budget that covers a range of hospital treatments including lung and chest, brain and nervous system.
HCF Hospital Standard Silver Plus
Great value hospital cover for a range of hospital treatments like heart and vascular system, back, neck and spine, and rehabilitation.
HCF Hospital Silver Plus
Comprehensive hospital cover for most hospital treatments including cataracts and joint replacements. Excludes pregnancy and birth.
HCF Hospital Premium Gold
Our top hospital cover for complete peace of mind, including pregnancy and birth cover.
HCF Starter Extras
Affordable extras cover for services that Medicare generally doesn’t cover like general dental, chiro and remedial massage.
HCF Starter Extras (with Optical)
Affordable extras cover for services that Medicare generally doesn’t cover like general dental, optical and remedial massage.
HCF Flex My Extras
Extras cover for singles and couples only with a flexible single limit, plus additional limits for optical and remedial massage.
HCF Mid Extras
Extras cover for common services like general and most major dental, remedial massage and more, plus HCF-approved health programs.
HCF Vital Extras
Outstanding value extras cover for a wide range of services, access to HCF-approved health programs and vaccinations.
HCF Top Extras
Our top extras cover that offers our highest limits and benefits for a wide range of services.
HCF My Future 750 Basic Plus
Hospital and extras cover including general dental and physio, designed for singles and couples getting health cover for the first time.
HCF My Future 500 Basic Plus
Hospital and extras cover that includes a flexible $750 combined limit on extras like general dental, plus $180 optical limit.
HCF My Future 250 Basic Plus
Hospital and extras cover that includes a flexible $900 combined limit on extras like general dental, plus $180 optical limit.
HCF My Family Silver Plus
Affordable hospital cover for families who want pregnancy cover, and a range of extras including physio and health programs.
HCF My Family Advanced Silver Plus
Affordable family hospital cover that includes pregnancy cover, and a range of extras like physio, orthodontics, podiatry and more.
HCF Hospital Basic Plus
Affordable hospital cover designed for the young and healthy.
HCF Hospital Bronze Plus
Affordable hospital cover for any budget that covers a range of hospital treatments including lung and chest, brain and nervous system.
HCF Hospital Standard Silver Plus
Great value hospital cover for a range of hospital treatments like heart and vascular system, back, neck and spine, and rehabilitation.
HCF Hospital Silver Plus
Comprehensive hospital cover for most hospital treatments including cataracts and joint replacements. Excludes pregnancy and birth.
HCF Hospital Premium Gold
Our top hospital cover for complete peace of mind, including pregnancy and birth cover.
HCF Starter Extras
Affordable extras cover for services that Medicare generally doesn’t cover like general dental, chiro and remedial massage.
HCF Starter Extras (with Optical)
Affordable extras cover for services that Medicare generally doesn’t cover like general dental, optical and remedial massage.
HCF Flex My Extras
Extras cover for singles and couples only with a flexible single limit, plus additional limits for optical and remedial massage.
HCF Mid Extras
Extras cover for common services like general and most major dental, remedial massage and more, plus HCF-approved health programs.
HCF Vital Extras
Outstanding value extras cover for a wide range of services, access to HCF-approved health programs and vaccinations.
HCF Top Extras
Our top extras cover that offers our highest limits and benefits for a wide range of services.
Do I need hospital, extras cover or both?
Need help with your private health insurance comparison? Start by comparing the different types of health cover available to find the best fit for your needs.
Hospital and extras cover
Get hospital and extras cover for more protection and coverage, from private hospital care and treatments to a range of extras like dental, physio, optical, chiro and remedial massage.
Choose hospital cover
Choose hospital cover to make sure you’re covered for private hospital admission, emergency ambulance services*, a range of in-hospital treatments and costs, and more.
Extras cover
Use extras cover for services generally not covered by Medicare, and claim on extras like physio and optical and get 100% back^ on dental check-ups through our No-Gap network.
What to look for when comparing private health insurance
Waiting periods
When you first join a health fund or upgrade your level of cover, you may need to serve a waiting period before you can claim on your health insurance.
Out-of-pocket costs
Depending on your level of cover, and the hospital service or treatment you’re having, you may be required to pay some out-of-pocket costs like an excess or ‘the gap’.
Eligible providers
Choose a health fund with an extensive provider network so you have cover for private hospitals, medical specialists and extras providers all across Australia.
Why choose HCF for your health cover?
At HCF, our focus is where it should be - on providing award-winning value products, service and support to members+. We call it Uncommon Care.
We put our members before profit
For every dollar our members paid in premiums, we’ve paid more back in benefits than the industry average over the last 10 years#.
We support our members' health journey
We offer a range of health programs+ like mental health and weight management to support members when they need it most.
We help members get 100% back^ on extras
From a dental check-up to your first physio visit, our members can save more through our No-Gap network.
Award-winning insurance trusted by more than 2 million Australians
Most Canstar awarded health fund in 2024
We've won more Canstar Health Insurance Awards than any other insurer in 2024, including the Outstanding Value Health Insurance award 9 years in a row**.
Award-winning customer service for our members
Awarded the Customer Service Organisation of the Year (Large) award by the Customer Service Institute of Australia for the second year running (2022 to 2023).
2024 Finder Health Insurance Award winner
Based on value for money, we scored higher than all eligible bronze hospital policies on the market for our Hospital Bronze Plus $750 Excess cover.
Comparing health insurance in Australia?
We've answered some common questions to help with your private health insurance comparison.
There are many health insurance comparison websites available, however, they may not compare every fund or cover type you’re looking for. For a comprehensive health cover comparison in Australia, start with the Australian Government’s private health website, which Australian health funds must supply with up-to-date information on all of their covers.
At HCF, we believe the best private health insurance depends on your individual needs. For example, if you want the most comprehensive hospital coverage with access to the most services available, then choose a Gold tier hospital cover. For those looking for a balance between coverage and cost, Silver, Bronze and Basic hospital cover provides varying levels of benefits to suit your budget and your lifestyle.
Switching from another health fund to HCF is easy and can be done any time. Once you’ve compared and found the health cover that’s right for you, complete the application form, and we’ll take care of the rest, including liaising with your previous fund to get a Clearance Certificate.
The whole process takes less than 15 minutes, and there’s no need to re-serve waiting periods if you're switching to an HCF policy that has the same level of benefits. Plus, when you join HCF, you get a 30-day cooling-off period^^.
At HCF, we understand that you and your partner might prefer individual policies, each with their own level of cover and benefit limits. That’s why we offer our members the choice of getting couples health insurance, so you’re covered on the same policy, or a singles health insurance policy each. It’s entirely up to you and your partner, and if you want to change in in the future, we make it easy to do so.
An HCF-participating provider is a medical specialist, doctor, or extras provider that HCF has a relationship or partnership with across Australia. Choosing one of these medical specialists, doctors or extras providers can help reduce your costs for medical treatments while in hospital and lower your out-of-pocket costs on extras like dental, physio, chiro, osteo and podiatrist services.
We also have HCF Dental Centres across Sydney, Melbourne, Brisbane, and Canberra, along with HCF Eyecare Centres in Sydney, so you can access a wide range of affordable and high-quality dental and optical services as an HCF member.
* Our network of healthcare providers changes often. Please check that your provider is part of our network before you book or attend an appointment. Except for HCF Dental or Eye Centres, HCF is not responsible for the conduct of any provider and does not endorse them.
There are many health insurance comparison websites available, however, they may not compare every fund or cover type you’re looking for. For a comprehensive health cover comparison in Australia, start with the Australian Government’s private health website, which Australian health funds must supply with up-to-date information on all of their covers.
At HCF, we believe the best private health insurance depends on your individual needs. For example, if you want the most comprehensive hospital coverage with access to the most services available, then choose a Gold tier hospital cover. For those looking for a balance between coverage and cost, Silver, Bronze and Basic hospital cover provides varying levels of benefits to suit your budget and your lifestyle.
Switching from another health fund to HCF is easy and can be done any time. Once you’ve compared and found the health cover that’s right for you, complete the application form, and we’ll take care of the rest, including liaising with your previous fund to get a Clearance Certificate.
The whole process takes less than 15 minutes, and there’s no need to re-serve waiting periods if you're switching to an HCF policy that has the same level of benefits. Plus, when you join HCF, you get a 30-day cooling-off period^^.
At HCF, we understand that you and your partner might prefer individual policies, each with their own level of cover and benefit limits. That’s why we offer our members the choice of getting couples health insurance, so you’re covered on the same policy, or a singles health insurance policy each. It’s entirely up to you and your partner, and if you want to change in in the future, we make it easy to do so.
An HCF-participating provider is a medical specialist, doctor, or extras provider that HCF has a relationship or partnership with across Australia. Choosing one of these medical specialists, doctors or extras providers can help reduce your costs for medical treatments while in hospital and lower your out-of-pocket costs on extras like dental, physio, chiro, osteo and podiatrist services.
We also have HCF Dental Centres across Sydney, Melbourne, Brisbane, and Canberra, along with HCF Eyecare Centres in Sydney, so you can access a wide range of affordable and high-quality dental and optical services as an HCF member.
* Our network of healthcare providers changes often. Please check that your provider is part of our network before you book or attend an appointment. Except for HCF Dental or Eye Centres, HCF is not responsible for the conduct of any provider and does not endorse them.
Important Information
* Cover is limited to emergency transport to the nearest hospital by a State or Territory government ambulance provider (excludes transport from another hospital or medical facility). Benefits are not payable for ambulance services covered by a State or Territory government scheme.
^ 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
+ Eligibility criteria applies. For more information see hcf.com.au/health-insurance/health-programs
# 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 Hospital Insurance Award in WA, SA and Qld and Hospital and Extras Insurance Award in Tas, Vic and WA.
^^ 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.
We acknowledge Aboriginal and Torres Strait Islander people as the Traditional owners of the lands where we live, learn, and work. View our Reconciliation Action Plan