OUR MEMBERS HAVE TAKEN 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. And our members have even taken over our advertising. Look out for their stories.
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.
HELP PROTECT YOUR FURBABY AND GET 2 MONTHS ON US^^
Get HCF Pet Insurance for your dog or cat by 31 May 2025 to enjoy 2 months free^^. Plus, HCF members can also save up to 15% on cover that matches your pet’s life stage and needs***.
Learn more
SAVE ON HCF HOME AND LANDLORD INSURANCE
Learn moreSAVE ON HCF CAR INSURANCE
Eligible HCF members can get 5% off** HCF Car Insurance##. Just quote and buy 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.
** HCF members who have held eligible cover for at least 1 week and are up to date with their premiums can save 5% on HCF Home, Landlord and Car Insurance. For this offer, eligible cover includes all Hospital and Extras products, plus selected Life and Recover Cover products (see HCF Thank You terms and conditions for the full list) and excludes Overseas Visitor Health Cover and Ambulance Only Cover. To redeem the discount HCF members must have the HCF My Membership app or online member services set up, and be logged in when you quote and buy a new HCF Home, Landlord and/or Car Insurance policy online via the HCF Thank You webpage.
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 and Landlord Worker's Compensation if available and selected for HCF Landlord 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 this offer without providing written notice. Visit the HCF Thank You Terms or the relevant section of the HCF My Membership app for further information and terms and conditions.
## The Hospitals Contribution Fund of Australia Ltd ABN 68 000 026 746 AFSL 241414 (HCF) arranges Home and Contents Insurance, Motor Insurance and Landlord 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.
in relation to Landlord Insurance, please consider the relevant Landlord Insurance Product Disclosure Statement (PDS), any applicable supplementary PDS, the Landlord Buildings or Landlord Contents Key Facts Sheets 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, 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 or Landlord Insurance, HCF will receive a commission of up to 5% of the premium for each HCF Motor Insurance policy or HCF Landlord Insurance policy issued or renewed. HCF may also receive a share of up to 40% of the underwriting profit for HCF Home and Contents Insurance, HCF Motor Insurance and HCF Landlord Insurance policies. 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.
^^ The two months' free cover ("Offer") commences at 12:01 AEST on 1 April 2025 and closes at 11:59pm AEST on 31 May 2025 (“Offer Period”). It is open to Australian residents aged 18 years or over ("Eligible Customers") and applies to any new HCF Pet Insurance policy other than a Manchester Unity Pet Insurance policy ("HCF Pet Insurance Policy"). The Offer provides Eligible Customers with two months’ free in their first policy year, when they purchase a new HCF Pet Insurance Policy during the Offer Period. The Offer does not apply to renewals of existing HCF Pet Insurance Policies.
For monthly or fortnightly instalment payers, you will not be charged an instalment for the first two months of your policy period. Your instalments will begin being charged from the third month after the policy commencement date. Annual payers will have the two months' free cover deducted from the annual premium, at the time of purchase. This Offer is automatically applied to your quote at the time of purchasing the HCF Pet Insurance Policy. Customers can remove this Offer at the time of purchase.
This Offer will cease if you change your level of cover. This means that any remaining period of free cover will be forfeited, and you will begin paying premiums for your varied policy from the date of the change. This Offer is not available with any other offer, except for the HCF Thank You discount for eligible HCF members and the multi-pet discount for additional pets. If more than one Offer or discount is available, they will be applied in a predetermined order. To view the HCF Thank You Terms and Conditions, please click here. HCF reserves the right to withdraw, vary or extend this Offer at any time, without notice.
*** HCF members who have held eligible cover for at least 1 week and are up to date with their premiums can get a discount of at least 10% on HCF Pet Insurance, and 15% if they are HCF Ruby or Diamond members. For this offer, eligible cover includes all Hospital and Extras products, plus selected Life and Recover Cover products (full list available here) and excludes Overseas Visitor Health Cover and Ambulance Only Cover. The discount does not apply to Manchester Unity Pet Insurance policies. Where relevant, adjustments to the eligible HCF Pet Insurance discount will be reflected on your HCF Pet Insurance policy no later than two months after the end of the HCF Pet Insurance policy period that follows the change to your HCF Thank You tier. To redeem the discount HCF members must have the HCF My Membership app or online member services set up, and be logged in when you quote and buy a new HCF Pet Insurance policy online via the HCF Thank You webpage. This offer may be subject to change.
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 Ltd 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 13 13 34
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. Manchester Unity Pet Insurance PDS and TMD available at hcf.com.au/petinsurance
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.
