HEALTH INSURANCE FORYOUNG ADULTS

If you’re about to come off your family's health cover policy we can help you find health cover to suit your health and wellbeing needs, and your budget.

Start claiming right away

Before you sign up for your own health cover, give us a call on 1800 068 425 or visit a branch to discuss your options. Usually, taking out hospital cover can mean serving waiting periods of up to 12 months. But because you’ve been on your family's health cover, you won’t have to serve any waiting periods you've already served on your family cover so you can start claiming right away, if you sign up for your own cover within 30 days.

Keep enjoying offers and discounts with HCF Thank You

HCF Thank You is our loyalty rewards program with offers and savings at over 100 places like Rebel, JB Hi-Fi and Priceline. And the longer your family has been with us, the better the discounts. Call us or visit a branch and we can make sure you keep your family’s level of HCF Thank You loyalty tier. If you sign up online you could lose the loyalty tier.

Call us: 1800 068 425 Find a branch

We all have different needs when it comes to choosing health cover. Watch the video to learn some of the benefits like skipping the public hospital wait list, choosing your medical specialist and, if you choose extras cover, claiming on services like dental, optical and physio.

Because we’re Australia’s largest not-for-profit health fund, our members are at the heart of everything we do. We put the health and wellbeing of the 1.9 million Aussies we cover before anything else.

Reasons to choose us?

• For every dollar our members pay in premiums, we’ve paid out more benefits than the industry average over the past 10 years*.
  
• We’ve gone above and beyond to develop an holistic mental health and wellbeing program with access to a range of options and the freedom to choose which is right for you.
• You’ll have a 30-day cooling-off period^# because we want you to be happy with the health cover you’ve chosen.

We understand if you can’t work because of an illness or injury, you might struggle to make the bills or rent repayments.

That’s where Income Protect Insurance can assist. It pays up to 70% of your average monthly income^{^} (up to $7,500 per month), for up to 12 months if you’re unable to work due to illness or injury^~ for more than 30 days. It can help with living expenses and keeping you afloat while you recover. Cover starts from only $2.65^† per week.

Are there any waiting periods if I take out my own cover?

If you take out your own cover within 30 days of your birthday you won't have to re-serve any waiting periods if you need to make a claim for treatments or services you’re currently covered for on your family's cover provided your new cover also covers those treatments or services. You’ll need to call us on 1800 068 425 or visit a branch to make sure you’ll be covered. You might have to serve waiting periods if you join online.

Will I get to keep my family's HCF Thank You loyalty tier?

If you take out your own cover, or stay on your family's cover, you’ll get to stay on your family's HCF Thank You loyalty tier. You’ll still have access to a wide range of special offers and benefits. It's how we say thanks for choosing and staying with us.

Trying to wrap your head around health insurance packages, or want to understand more about what waiting periods apply if you change your health cover?

We’re here to help 6 days a week, so give us a call. 

Call us: 1800 068 425 Find a branch

^*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.

^#Available if you change your mind and cancel your HCF policy within 30 days of joining, and haven't made a claim in that period.

**100% back from 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 booking your appointment. See hcf.com.au/100back

⁺Up to your annual limits. Excludes add-ons such as high index material, coatings and tinting. Waiting periods apply.

^{^^}Up to your annual limits.

⁺⁺Benefits are not payable for expenses incurred in relation to an injury where compensation, damages or benefits may be claimed from another source. Other conditions apply. See hcf.com.au/accident-safeguard

^{^}Payment is subject to offsets including any amounts payable from your employer or superannuation fund.

^~Subject to exclusions, limitations and definitions- please refer to the PDS and the Policy Document for further information.

^†For a male aged 29–34 who is a non-smoker accountant with a normal BMI on a $1,500 monthly benefit.

^~~Please read the Income Protect Insurance Product Disclosure Statement, Policy Document and Financial Services Guide available by calling 13 13 34 or visiting hcf.com.au/lifeinfo, and consider your financial situation, objectives, and needs before deciding on this product as any advice provided does not take these into account. The Target Market Determination (TMD) for the product is available at hcf.com.au/lifeinfo. Income Protect Insurance is 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 Income Protect Insurance 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.