Supporting families by putting money where our members are

Published November 2023 | 3 min read
Words by Karen Burge

With the rising cost in living, it’s important to know your health cover provides value, is supporting your family and helping you to be your healthiest self.

As Australia’s largest not-for-profit health fund, we believe it’s important to reinvest into the health of our members, providing value and affordability across all stages of life.

Since the start of the pandemic, we’ve helped ease the cost of living by providing over $536 million in total COVID-19 member benefits and support, including premium increase freezes three times in three years and $309 million in cash givebacks directly to eligible members^*.

We returned an average of nearly 90 cents in every dollar spent on premiums back to members^{^} – more than any other health fund.

Here’s our guide to how you can find value in your health cover.

Support for established families

Whether it's nutrition support for your family, finding ways to save money on your healthcare or protecting your loved ones, our range of programs and services can help keep your family's health in check all year round.

Manage your weight

Need support to manage your weight? HCF offers free access to eligible members in managing their weight using the evidence-based programs, Osteoarthrtitis Healthy Weight for Life^# and the CSIRO Total Wellbeing Diet.

Nutrition for teens

Teenagers go through physical changes during puberty, and they need extra nutrition to fuel this growth. We know teens can benefit from guidance and support to develop a positive relationship with food, that’s why we offer eligible members access to the Healthy Teens for Life education hub⁺.

Change your drinking habits

Need help to change your relationship with alcohol? Connect with an anonymous peer community and online resources to reset your drinking habits through Hello Sunday Morning’s Daybreak app^**.

Reducing your medical costs

We’ve partnered with hundreds of medical specialists and extras providers so that you can focus on getting better. Use our Dr Gap tool to find a provider to suit your needs.

Help protect your loved ones

Our Life Protect Insurance^{^^} is designed to help you look after your family if you’re no longer able to. It pays a lump sum benefit if you pass away or are diagnosed with a terminal illness^## to help cover the costs that come at this difficult time, like your mortgage, school fees or day-to-day living expenses.

Supporting women’s health

In our Women's Health hub, we give you practical, no-nonsense information and real-life inspiration for a strong body and mind. We explore topics like endometriosis, fertility, mental health, fitness, pregnancy and menopause so you can stay informed and find the support that's right for you.

More affordable healthcare

We know cost-of-living pressures can increase the costs of healthcare. Our partnership with Ramsay Health Care means HCF members get a 5% discount on selected purchases when signing up to the Ramsay Pharmacy better rewards program.

Financial support

Losing your job can be incredibly stressful. We help our eligible members with their health cover with our Involuntary Unemployment Assistance.

How to get the most from your health cover

We’re always looking for ways to innovate and help you be your healthiest self. We give back to members in ways big and small, helping you find value in your health cover. Give our friendly team a call on 13 13 34 to make sure you’re on the right cover for you. You might discover a new way HCF is helping to support you and your family, by putting its money back into improving the health of our members.