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How can I make a payment?

You can make a payment through our My Membership app or in our online member services or by calling 13 14 39 during the following hours:  

Monday to Friday: 8am to 8pm (AEST/AEDT)
Saturday: 9am to 5pm (AEST/AEDT).

You can also set up direct debit or make a one-off payment.

Can I make a payment online?  

If you have a health insurance policy with us, you can make a secure payment in the My Membership app or in online member services under ’Payments’ then ‘Make a payment’.

You can pay up to 18 months in advance, depending on your cover. We accept credit cards (MasterCard, Visa, Amex) for payments.

Can I make a payment over the phone or with BPAY?  

Yes. We accept American Express, MasterCard and VISA. Just call 13 14 39. With BPAY, you can make payments for your health insurance policies any time online or over the phone on 13 14 39.

How can I set up direct debit?

You can set up direct debit for your premium payments in the My Membership app or in online member services. Just go to ’Payments’ then ‘Update payment details’.

If you can’t do this online, to set up direct debit to pay your premiums, or to change your current direct debit payment details, please call 13 14 39 during the following hours:

Monday Friday: 8am to 8pm (AEST/AEDT).
Saturday: 9am to 5pm (AEST/AEDT).

You can pay your premiums through direct debit from a bank, building society or credit union account. Complete and submit a payment authority form.  

Why doesn’t my first direct debit match my quoted premium?

Your first direct debit can differ from your quoted premium for a number of reasons, including Lifetime Health Cover (LHC) loading, rebate tiers, rate changes or your level of cover.

Your first direct debit may also include an additional 1-day premium, which is a one-off charge on top of your first payment.

Your membership will commence at 12am on your join date. Your first direct debit covers your chosen frequency (weekly, fortnightly, monthly, quarterly, half-yearly or yearly) and any additional days if you’ve chosen a direct debit date after your join date.

Your first payment may also include an additional 1-day premium to cover your chosen frequency plus the direct debit date itself. This is to make sure that your direct debit date is also covered for on-the-spot claiming. The direct debit date only needs to be covered once in the first payment, which is why your first payment may look different to subsequent payments.

For example, your membership commences on 1 January and your payment frequency is weekly. Your direct debit date is also 1 January. Your first payment covers you from 1 January to 8 January inclusive, which is 8 days of premium. Your next payment on 8 January covers you from 9 January to 15 January inclusive, which is 7 days of premium. The first payment had an additional 1-day premium to make sure the direct debit date was also covered for on-the-spot claiming.

As long as no other changes apply to your membership, the subsequent direct debits will match your quoted premium.

If you have any further questions, please call 13 13 34.

At what frequency can I make a payment?

You can pay your payments yearly, half yearly, quarterly, monthly, fortnightly or weekly, depending on your cover, but keep in mind we don't allow direct debit dates from 28 to 31 of each month.  

What are the advantages of direct debit?

You can save time and hassle by setting up an automatic direct debit to pay your premiums.  

Who can change direct debit and direct credit payment details?

When using our online member services or the My Membership app, only the policyholder can update these details.  

Can I edit my payment details at any time?

Yes, once it's set up you can edit your direct debit and direct credit payment details at any time. If you can’t do this online, to set up direct debit to pay your premiums, or to change your current direct debit payment details, please call 13 14 39.  

Can I get my claims paid to my credit card?

Unfortunately, we can't pay your claims to a credit card, only a bank account.

We'll advise you if your payment isn't made, and what you need to do to keep your membership up to date. If your account becomes overdrawn, some financial institutions may charge you a fee.

We'll abide by the Direct Debit Customer Service Agreement so we can maintain a trusting relationship with you.  

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^* Our Life and Recover Cover products are issued by our own HCF Life insurance Company Pty Ltd. ABN 37 001 831 250. AFSL 236 806 (HCF Life). HCF Life is a wholly owned subsidiary of The Hospitals Contribution Fund of Australia Limited ABN 68 000 026 746, AFSL 241414 (HCF). Terms and conditions apply. Please read the relevant Product Disclosure Statement, Policy Document and Financial Services Guide available by calling 1800 560 855 or visiting hcf.com.au/lifeinfo, and consider your financial situation, objectives, and needs before deciding on these products as any advice provided does not take these into account. In addition to these documents, you should also read the Target Market Determination (TMD) for the product, which is available at hcf.com.au/lifeinfo. The premiums for Recover Cover products are paid to HCF Life. HCF receives commission from HCF Life for their sale of up to 40% of the first year’s premium plus an additional commission of 80% of HCF Life’s underwriting profit each year calculated as premiums less claims and expenses. HCF’s staff may receive an incentive depending on the annual premium of these products which they sell. This will not exceed 15% of the first year’s premium.

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