Forms, Guides and Resources FAQs

Chat to us

Contact us
New Policy 1800 062 063
Mon - Fri: 8am - 8pm (AEST / AEDT)
Sat: 9am - 5pm (AEST / AEDT)

XOpen navigation

Health programs
Get help
Chat to us
- Contact us
- New Policy 1800 062 063
  Mon - Fri: 8am - 8pm (AEST / AEDT)
  Sat: 9am - 5pm (AEST / AEDT)
Login

Compare & Switch 
- - Compare & Switch 
  - Looking to compare, take out private health insurance or make the switch to HCF? Find the right cover for your needs and we’ll take care of the rest.
  - Compare health insurance
  - Switch health insurance to HCF
  - Get a quote
Health
- - Health
  - Discover the benefits of private health insurance for you and your family, including comprehensive health support and how to find a provider near you.
  - Why health insurance
  - Find health insurance cover
  - Corporate health search
  - Find a provider
  - Health programs
  - Get a quote Find out more
Overseas Visitors
- - Overseas Visitors Health Insurance (OVHC)
  - Whether you’re here for work or visiting Australia, get access to the health care services you may need with Overseas Visitors Health Cover (OVHC).
  - Get a quote Find out more
Life
- - HCF Life and Recover Cover
  - Count on HCF Life & Recover Cover to stand by you during life’s unexpected challenges and reduce the financial stress on your family’s future.
  - Find out more
Travel
- - Travel
  - Prepare for the unexpected with HCF Travel Insurance. Designed to provide cover for delayed luggage, overseas medical emergencies and more for singles, duos and families.
  - Find out more
Pet, Home & Car
- - Pet, Home & Car
  - From furry friends to your home and the four wheels guiding you back to your loved ones, find pet insurance, as well as home and car cover options.
  - Pet
  - Home & Contents
  - Car
Flip
- - Flip
  - Flip is the flexible, great value accident cover made for active lifestyles. Whether you’re chasing waves or at the gym, get cover when you need it.
  - Flip insurance
  - Get cover now
About HCF
- - About HCF
  - Learn more about Australia’s largest not-for-profit health fund, how we reward our members, HCF benefits, partnerships, research initiatives and more.
  - Member care
  - Loyalty program
  - Get help
  - Our partners
  - Research Foundation
  - Sustainability
  - Our benefits
  - Get a quote

What's the Pharmaceutical Benefits Scheme (PBS)?

The Pharmaceutical Benefits Scheme (PBS) is an Australian Government program that makes subsidised prescription medicines available to Australian residents and requires a PBS co-payment to be paid towards each item.

Private health insurers can’t pay a benefit towards the cost of medicines that you can receive through the PBS. However, if you’re on eligible extras cover, you may be able to claim up to $50 per script towards HCF-approved pharmacy items that your doctor prescribes after you have paid an HCF co-payment equivalent to the current PBS co-payment for general patients. For more information, download our membership guide.

What’s the Private Health Insurance Code of Conduct?

The Private Health Insurance Code of Conduct promotes transparency between funds and their members. HCF supports the Private Health Insurance Code of Conduct making sure:

you receive correct information on private health insurance
you're aware of the internal and external dispute resolution procedures
you can make an informed decision about your purchase through informative policy documentation
you’re protected in accordance with privacy principles.

Learn more about the Private Health Insurance Code of Conduct.

What’s the Private Patients Hospital Charter?

HCF supports the Private Patients Hospital Charter, which outlines what members can expect from doctors, hospitals and their health fund.

What's HCF’s commitment to privacy?

We're committed to protecting your privacy. How we collect, use, disclose and secure your personal information is detailed in our HCF Privacy Policy. 

What do I do if I need to make a complaint?

We’re committed to making sure your concerns are resolved as quickly as possible. Guidance on how to make a complaint and our approach to handling your complaint is outlined on our Complaints and Feedback page and in our Complaint Management Policy. 

If you have a complaint about your membership or cover, our products or services, or wish to find out the status of an existing complaint, please contact us so we can help.

What are HCF's Fund Rules?

For more information about the rules that our members are bound by, along with the membership guide, product information, their completed application form, and any HCF, rt Health, or Transport Health policies like the HCF Privacy Policy, download our HCF Fund Rules to learn more.

Find recommended cover

Compare health cover

Switch to HCF today

Private health insurance that’s right for you

No matter what stage of life you’re at, your health cover should work for you. That’s why we put you in control with a range of options for peace of mind.

A man sitting in a wheelchair in a kitchen with a dog licking his face

Singles

Whether it’s for everyday health services, peace of mind or to save at tax time, find singles cover for your lifestyle.

Explore cover

Couples

Outstanding cover for you and your partner so you can focus on what matters most and live the life you want together.

See the benefits

A father carries his young son who appears to have Down Syndrome

Families

From single to 2-parent homes, families with 2 mums or 2 dads, kids or adult-dependants, find cover for every family.

Find cover

A mother and her daughter touching noses in a back yard.

Life

With HCF Life^* insurance, you can protect your family’s future when you’re not around or get support when you’re unable to work.

Learn more

Looking for something else?

If you can’t find what you’re looking for, our team are ready to help and guide you in the right direction.

Call us

Get in touch with our team between Monday to Friday, 8am to 8pm (AEST/AEDT) or on Saturday, 9am to 5pm (AEST/AEDT).

Call us

Report a fraud or scam

If you’ve received something and are unsure if it’s a message from us, get in touch with our team or report it as suspicious to Scamwatch.

Contact support

Important Information

Find out about our terms and conditions to use and access this site.

^* 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.

Compare & Switch

Health

Overseas Visitors Health Insurance (OVHC)

HCF Life and Recover Cover

Travel

Pet, Home & Car

Flip