Compare health insurance at HCF

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.

Find cover that’s right for you

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^{^^}.

Learn more about switching to HCF

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.

Find a provider near you^*

^* 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.