HCF health insurance discounts

Thinking of joining HCF? Check out these limited-time discounts and coupon codes for new HCF health insurance members.

Choosing a private health fund is a big decision, so many funds offer special deals and promotions to encourage you to join.

HCF is Australia’s largest not-for-profit health fund, providing health insurance cover to almost 1.5 million Australians. If you’re considering joining HCF or switching from another fund, check out the limited-time offers and promotions from HCF to see if you can get a better deal for signing up.

Current HCF discount codes

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Why should I consider HCF?

The deals listed above are just some of the reasons you should consider joining HCF. There are plenty of other benefits and advantages available to HCF members, including:

  • Not for profit. HCF is run to provide the best possible health insurance cover to members, not to increase profits for shareholders.
  • 100% back on selected extras. HCF members can receive 100% back when they claim for a range of key extras, including preventative dental services, prescription glasses, hearing aids, chiro, podiatry and more. Terms and conditions apply and treatment must be received from a member of HCF’s provider network.
  • Increasing benefit limits. Depending on the level of cover you select, the longer you’re an HCF member the more you can claim on selected extras, including dental, physio, chiro, hearing aids and more.
  • 15% discount on GP2U services. GP2U is a convenient online service that provides online GP consultations. HCF members can enjoy a 15% discount off GP2U’s standard rates.
  • 10% discount on More at Home services. More at Home is an aged care provider approved by the Australian government to provide in-home care. HCF members are entitled to a 10% discount on More at Home services.
  • 10% discount on Fitness First memberships. HCF members who sign up for a new 3- or 12-month Platinum or Passport membership with Fitness First can save 10%.
  • 10% discount on pet insurance. HCF health insurance members can take advantage of a 10% discount on HCF pet insurance.
  • 10% discount on travel insurance. If you’re planning a trip within Australia or overseas, HCF members can save 10% on HCF travel insurance.
  • Health management programs. HCF members can take control of their health with access to a range of health management programs and services. These include chronic disease management programs, healthy living plans to help you achieve your health and fitness goals, and weight loss programs to help manage type 2 diabetes, heart conditions or osteoarthritis.

What policies can I choose from?

HCF has an extensive range of cover options to suit Australians at all life stages. It offers:

  • Hospital cover. There are four levels of hospital cover from HCF: Basic, Mid, Mid Plus and Premium.
  • Extras cover. You can mix and match hospital cover with the following extras cover options: Bronze, Bronze Plus, Silver Plus, Gold or Platinum.
  • Combined hospital and extras cover. HCF offers the Young Starter package, a combined policy designed for young singles and couples taking out health insurance for the first time.
  • Ambulance cover. HCF offers ambulance-only cover to residents of NSW and the ACT.
  • Overseas Visitors Health Cover (OVHC). HCF also offers OVHC to suit the cover needs of a wide range of working-visa holders.

Take a look at our HCF health insurance review for more details of the policies this health fund offers and how you can become a member.

How can I make a claim?

There are four simple ways to lodge an extras claim with HCF:

  • On the spot at your provider. For the most convenient claims option, simply swipe your HCF membership card at a participating healthcare provider.
  • Via an app. You can upload a photo of your receipt to lodge a claim via the HCF My Membership app. This app is available for Apple and Android devices.
  • Online. You can submit a claim online through the HCF member section for the following extras services: general dental, dietetics, occupational therapy, podiatry, podiatry, homeopathy, speech pathology, remedial massage, naturopathy and physiotherapy.
  • By post. You can download a claim form from the HCF website, request one over the phone or pick up a form from a HCF branch. The completed form and your accompanying receipt can then be submitted by post.
  • At a HCF branch. You can make a claim at your nearest HCF branch by presenting your HCF membership card and your receipt.

Interested in HCF? Compare its range of policies


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