HCF Thank You
As Australia’s largest not-for-profit health fund, we’re always looking for more ways to put our money where our members are, which is why we’ve created our reward and recognition program, HCF Thank You.
As a member, you’ll get access* to a range of exclusive offers, discounted e-Gift cards and benefits designed to thank you for choosing and sticking with us.
You could save on average up to $900 a year^ on e-Gift cards for essentials like groceries, fuel and entertainment that can help ease household pressures and offset the cost of your cover. You can also access discounts on HCF Pet## and Travel Insurance** and selected pharmacy items.
10% OFF LIFE PROTECT INSURANCE
HCF's Life Protect Insurance*** is designed to help you look after your family if you're no longer able to. We pay your loved ones a lump sum benefit of up to $1.5 million if you pass away or are diagnosed with a terminal illness^^^.
And if you’re an eligible HCF member, you save 10% on your premium+++.
Travel Insurance
Planning your next holiday? HCF members can save 25% on travel insurance when you use our discount code**.
Learn more
Pet Insurance
HCF members can save up to 15% on cover that matches your pet’s life-stage and needs##.
Learn more
SAVE ON HCF HOME INSURANCE
We understand the importance of safeguarding your home and belongings against the unexpected.
That's why, as an HCF member, you can also save 5%**** when you quote and buy HCF Home Insurance^^^^ online.
Learn more
That's why, as an HCF member, you can also save 5%**** when you quote and buy HCF Home Insurance^^^^ online.
SAVE ON HCF CAR INSURANCE
Safeguard your car, ute or SUV from the unexpected with new HCF Car Insurance.
As an HCF member, you can also save 5%**** when you quote and buy HCF Car Insurance^^^^ online.
Learn more
As an HCF member, you can also save 5%**** when you quote and buy HCF Car Insurance^^^^ online.
FLIP INSURANCE
HCF members save 15% when you take out cover with Flip – our pay-as-you-go cover for accidental injuries.
Log in to our My Membership app or online member services and head to the travel section of the HCF Thank You page to find the code.
GP2U
We know it can be hard to manage your health in a convenient way. Our partnership with GP2U, an online video GP service, makes it easier for eligible members to access telehealth services. All HCF members with health cover can access a standard GP consultation (up to 10 minutes) for a fee of $50.
Learn more
EVEN BETTER VALUE WITH RAMSAY PHARMACY
We’re committed to making healthcare more affordable. Our partnership with Ramsay Health Care is just one of the ways we’re helping members get more value from their health cover.
As an HCF member, you can receive a 5% discount+ on selected purchases at Ramsay Pharmacy when you sign up to the Ramsay Pharmacy better rewards program.
You’ll also receive:
- $5 in rewards dollars when you join
- $10 in rewards dollars as a birthday gift
- earn 7.5% back on your better rewards account per dollar spent.
Sign up to Ramsay Pharmacy better rewards for free and access your discount by showing your HCF membership card in store.
Because there’s care, and then there’s Uncommon Care.
SAVE AT SYDNEY ADVENTIST HOSPITAL PHARMACY
Members save 5% on full-price items at Sydney Adventist Hospital Pharmacy (excludes pharmacy-only medicines and prescription medicines).
Just show your HCF membership card when you make a purchase in-store.
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.
Important Information
* Available after you’ve been a member with us for a week and all policy payments up-to-date. Excludes Ambulance Only and Overseas Visitors Health Cover.
^ Based on discounts available through HCF partners (Aug 2023) and average category spend from ABS Household Expenditure Survey, Australia (2017).
+ Terms and conditions apply. Excludes pharmacist only medicine (Schedule 3 medicines) and prescription only medicine. Discount applicable off current in store price. Must show HCF membership card to staff and scan better rewards card upon checkout to claim discount.
** To access the discount code, log in to the My Membership app or online member services and go to the travel section of the HCF Thank You page to find the code. 25% discount applies to new policy purchases and is based on standard premium rates (including optional covers). It applies automatically upon successful input of the discount code and applies to any changes, upgrades or amendments made to the policy prior to commencement of the journey. The discount may apply to changes made after commencement of the journey, contact Allianz Global Assistance to find out more. Cannot be used in conjunction with, or in addition to any other discounts. No additional discounts will be provided to Members who already receive a Member discount. Please contact us for more information.
The Hospitals Contribution Fund of Australia Ltd ABN 68 000 026 746 AFSL 241414 (HCF) arranges this insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz). Travel insurance is issued and managed by AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 trading as Allianz Global Assistance (AGA) for the insurer Allianz. Terms, conditions, exclusions, limits and applicable sub-limits apply. HCF, Allianz and AGA do not provide any advice on this insurance based on any consideration of your objectives, financial situation or needs. Because of that, you should consider whether the advice is appropriate for you. Before making a decision please consider the Product Disclosure Statement, the Financial Services Guide and Target Market Determination (TMD). If you purchase a policy, HCF and AGA receive a commission which is a percentage of your premium - ask us for more details before we provide you with services.
## All HCF members are eligible for a member discount of at least 10% on HCF Pet Insurance. HCF Ruby and Diamond members get a 15% discount. Existing Manchester Unity Pet Insurance policies are not eligible for discounts under HCF Thank You. Visit the HCF Thank You page for further information. Where relevant, increased discount will be applied automatically at first renewal after advancement in HCF Thank You tier. To be eligible for the discount members need to have the HCF My Membership app or online member services set up. This offer may be subject to change.
HCF Pet Insurance policies entered into for the first time prior to 21 March 2024 and subsequent renewals of those policies are issued by The Hollard Insurance Company Pty Ltd ABN 78 090 584 473, AFSL 241436, arranged and administered by PetSure (Australia) Pty Ltd ABN 95 075 949 923, AFSL 420183 (PetSure) and promoted and distributed by The Hospitals Contribution Fund of Australia Ltd ABN 68 000 026 746, AFSL 241414 (HCF). HCF Pet Insurance policies entered into for the first time on or after 21 March 2024 and subsequent renewals of those policies are issued by PetSure and promoted and distributed by HCF. Any advice provided is general only and does not take into account your individual objectives, financial situation or needs. Please consider the Product Disclosure Statement (PDS) to ensure this product meets your needs before purchasing, or choosing to continue with the product. PDS and Target Market Determination available at hcf.com.au/petinsurance.
HCF Pet Insurance is not part of HCF's health insurance business. Please do not assume that pet insurance and health insurance are similar. HCF may receive a commission of up to 13% of the premium for promoting HCF Pet Insurance Policies. HCF sales agents are paid a salary or wages but do not receive a commission or other payments attributable to the sale of HCF Pet Insurance. For more information, contact HCF on 1800 630 681 or petinsurance@hcf.com.au.
Manchester Unity Pet Insurance is issued by The Hollard Insurance Company Pty Ltd ABN 78 090 584 473; AFSL 241436, is distributed by The Hospitals Contribution Fund of Australia Limited ABN 68 000 026 746, AFSL 241414, and arranged and administered by PetSure (Australia) Pty Ltd ABN 95 075 949 923, AFSL 420183. Manchester Unity Pet Insurance is closed to new customers and is only available for renewal by existing customers. Manchester Unity Pet Insurance is not part of HCF's health insurance business. Please do not assume that pet insurance and health insurance are similar. Any advice provided is general only and does not take into account your individual objectives, financial situation or needs. Please consider the Product Disclosure Statement (PDS) and Target Market Determination (TMD) to ensure this product meets your needs before you renew your cover. Manchester Unity Pet Insurance PDS and TMD available at hcf.com.au/petinsurance.
*** 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. Our 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 241 414 (HCF). The premiums for the life insurance 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.
^^^ Less than 24 months’ life expectancy. Subject to terms and conditions, exclusions, limitations and definitions. Please refer to the PDS and Policy Document for further information.
+++ To be eligible, HCF Members must have HCF hospital or extras cover. Excludes Ambulance Only and Overseas Visitors Health Cover.
**** To access the link, log in to the My Membership app or online member services and go to the insurance section of the HCF Thank You page. The 5% discount applies automatically when you use the applicable link to quote and buy a new HCF Home Insurance policy and/or HCF Car Insurance policy online. The discount will be applied to standard premiums (including for optional covers except for Domestic Worker's Compensation if available and selected for HCF Home Insurance) after all other eligible discounts, to the extent that any minimum premium is not reached (noting that if you are eligible for more than one discount, we apply each of them in a predetermined order to the premium as reduced by any prior applied discounts/entitlements). The discount does not apply to taxes and government charges. The discount will continue to apply automatically in the event the policy is renewed, while this offer continues. HCF reserves the right to change, remove or amend partners and offers without providing written notice. HCF Thank You terms and conditions apply.
^^^^ The Hospitals Contribution Fund of Australia Ltd ABN 68 000 026 746 AFSL 241414 (HCF) arranges Home and Contents Insurance and Motor Insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 234708 (Allianz).
HCF and Allianz do not provide any advice based on any consideration of your objectives, financial situation or needs. Policy terms, conditions, limits, applicable sub-limits and exclusions apply. Before making a decision:
- in relation to Home and Contents Insurance, please consider the relevant Home and Contents Insurance Product Disclosure Statement (PDS), any applicable supplementary PDS, the Home Buildings or Home Contents Key Fact Sheets and the Financial Services Guide. The relevant Target Market Determination is available by calling 1300 657 046.
- in relation to Motor Insurance, please consider the relevant Motor Insurance Product Disclosure Statement (PDS), any applicable supplementary PDS and the Financial Services Guide. The relevant Target Market Determination is available by calling 1300 657 046.
If you purchase a policy of Home and Contents Insurance or Motor Insurance, HCF will receive a commission of up to 10% of the premium for each policy issued and renewed and may also receive a share of up to 40% of the underwriting profit