Information to help you build a quote, claim and make informed decisions about your private healthcare.
Learn MoreWe’re here for you with Recover Cover – a unique range of recovery and life insurance products to help with the unexpected costs that come with recovery.
Learn MoreWhether you’re travelling near or far, choose from a range of cover options with HCF Travel Insurance.
Learn MoreProtect your pet with cover tailored to their life-stage and needs.
HCF members save up to 15%.
Choose from home and contents insurance options to cover your home, inside and out.
Learn MoreChoose comprehensive or third party property damage insurance options for cover to keep you moving.
Learn MorePrograms and resources that help you take control of your physical and emotional health.
Learn MoreInsights and information to help you feel reassured when it comes to your healthcare.
Learn MoreHCF members can save on online GP consultations, our travel and pet cover and enjoy other special offers.
Learn MoreWe have branches located across Australia. Find your nearest branch to join, access advice, claim in person and more.
Learn MoreWe help HCF members avoid out-of-pocket costs by negotiating charge agreements with private hospitals. Find your nearest participating hospital here.
Learn MoreLooking for an HCF participating doctor or extras provider? Use our tool to see their biographies and contact details.
Learn MoreHow our not-for-profit status benefits our members, how the fund works, and our key partnerships.
Learn MoreOur charitable trust was set up to encourage research and enquiry into the provision, administration and delivery of health services in Australia.
Learn MoreWelcome to the HCF Media Centre. Here you can access HCF media contacts, releases and downloads.
Learn MoreThe Hospitals Contribution Fund of Australia Limited. ABN 68 000 026 746 AFSL 241 414
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When applying for HCF Life Protect Insurance we’ll ask you some questions about your health, lifestyle and other factors. When answering these questions, please remember you have a duty to take reasonable care not to make a misrepresentation. A misrepresentation includes a statement that is false, partially false, or which doesn’t fairly reflect the truth. It’s not a misrepresentation if you don’t answer a question or if your answer is obviously incomplete or irrelevant to the question asked. So it’s important that you answer any questions in the application process honestly and correctly, and to the best of your knowledge. The duty applies until we issue your cover and extends to making changes to your policy and reinstatements.
This insurance cover is provided under a consumer insurance contract. Your answers to these questions affect the terms and conditions of your cover. If you don’t comply with this duty, we may change the terms of your policy or treat your policy as if it never existed. This may result in your benefit being reduced or denied.
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