WE PUT OUR MONEY WHERE OUR MEMBERS ARE
When it comes to healthcare, people want to know they’ll be genuinely cared for in their time of need. As Australia’s largest not-for-profit health fund, our members get more benefits* back for every dollar paid in premiums than the industry average.
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HELP WHEN YOU NEED IT MOST
Now more than ever, we’re focused on supporting our members in ways big and small, to make life easier. We're giving members greater flexibility in how and where their care is delivered, many from the convenience and safety of their homes.
This includes holistic mental health and wellbeing support programs, telehealth services and out-of-hospital care for eligible members.
YOUR HEALTHCARE COMES FIRST
- We give more back: Over the last 10 years we’ve paid out more benefits than the industry average, for every dollar our members paid in premiums*.
- Access to health management programs: We want to empower members to enjoy greater wellbeing with customised telehealth programs and support services like Osteoarthritis Healthy Weight for Life for members who are overweight or have osteoarthritis^, CSIRO Total Wellbeing Diet and The COACH Program®#, helping to keep eligible members healthy at home.
- Mental healthcare online solutions: We're helping the whole family look after their mental wellbeing by giving eligible members access to a range of online solutions with mental health professionals.
- Outstanding value: Proud winner of the 2024 Outstanding Value Health Insurance at this year's Canstar’s Health Insurance Awards, which we've won 9 years in a row.
- Award-winning service: We've been awarded `Customer Service Organisation of the Year (Large)’ for the second year running at the annual Customer Service Institute of Australia’s 2023 Australian Service Excellence Awards.
PEACE OF MIND IN UNCERTAIN TIMES
- Paid out $3.2b for members' hospital and extras services^^
- 2.56m dental treatments covered with no gap through our More for Teeth program^^
- 642,000 members accessed gap-free services through our More for You provider network^^
- $5.96m in member savings through our HCF Thank You program^^.
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.
MAKING HEALTHCARE MORE AFFORDABLE
At HCF, we work closely with industry groups and government to ensure we have a sustainable health system and keep the costs of health cover as low as possible by:
- keeping our promise of not profiting from the pandemic by passing on COVID-19 claims savings to all members and freezing premium increases 3 times over 3 years
- reducing the out-of-pocket gap with our handy Participating Provider search tool to help our members avoid or minimise extra health costs
- offering our More for You program, so eligible members can get 100% back on selected extras services like dental services, optical, a first visit to a podiatrist and physio++
- providing a second opinion service to eligible members from a network of medical specialists at no extra cost##
- investing in health services like the HCF Research Foundation to drive research and innovation in the delivery of affordable and accessible health services for our members and all Australians
- driving change through partnerships with industry groups and government to influence policy reform to lower healthcare costs and average premium increases.
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.
WANT MORE FROM YOUR HEALTH COVER?
USE OUR MY MEMBERSHIP APP
Our My Membership app lets you manage your health cover wherever and whenever you need.
SPEAK TO A SPECIALIST
Because we're not-for-profit, our health cover experts are here to advise on the cover you actually need.
FIND A BRANCH
Visit your nearest branch for health insurance advice, claiming, joining and more.
LOG IN ONLINE
Managing your account on the go is easy with our online member services tool.
Important Information
* 89.2% compared to 85.6% across the industry. Calculated based on the average of the past 10 years, sourced from APRA Statistics: Private Health Insurance Operations Reports 2014-23.
^ Eligibility criteria applies. For more information see hcf.com.au/hwfl
# To be eligible, members must have a heart-related condition or diabetes and must have had hospital cover that includes heart conditions and vascular system for at least 12 months. Excludes Ambulance Only, Accident Only Basic cover and Overseas Visitors Health Cover. Clinical eligibility applies.
^^ Figures for the period 1 July 2022 to 30 June 2023.
++ 100% back through More for You providers in our No-Gap network is available on selected covers. Waiting periods and annual limits apply. Providers are subject to change. We recommend that you confirm the provider prior to your appointment.
## You must have had hospital cover for 12 months and a specialist consultation to use this service. Excludes Accident Only Basic cover, Extras Only cover, Ambulance Only cover and Overseas Visitors cover.