HCF Hospital Cover Health Insurance

HCF has competitively priced Bronze Plus, Silver Plus and Gold (but no Basic) hospital polices.

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Top Pick for

Bronze Hospital

HCF Hospital Bronze Plus image


From $92.48 per month

26 hospital services | digestive system | kidney and bladder | joint reconstructions

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Top Pick for

Gold Hospital

HCF Hospital Gold image


From $172.96 per month

39 hospital services | all silver & gold treatments | pregnancy and birth | cataracts

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Run for the benefit of its members, not-for-profit fund HCF provides four Hospital cover policies designed to suit people at different life stages. Plus there are great benefits you can take advantage of as a member on travel and pet insurance, too.

Top 3 features
  1. HCF is not-for-profit.
  2. Good for all life stages.
  3. Members are rewarded for their loyalty with additional benefits.

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What HCF Hospital Cover policies are available?

  • HCF Hospital Bronze Plus. Hospital cover designed for the healthy and budget conscious. It covers accidents, intensive care and accommodation, plus joint reconstructions, digestive system and more.
  • HCF Hospital Standard Silver Plus. Affordable hospital cover for some common treatments including heart surgery, back, neck and spine plus more.
  • HCF Hospital Silver Plus. Comprehensive hospital cover for those who don't need cover for pregnancy.
  • HCF Hospital Gold. The HCF top hospital cover option aims to provide premium hospital health care protection and peace of mind to members.
BenefitHCF Hospital Bronze PlusHCF Hospital Standard Silver PlusHCF Hospital Silver PlusHCF Hospital Gold
Emergency ambulance
  • Yes
  • Yes
  • Yes
  • Yes
Rehabilitation
  • Minimum Benefit Payable
  • Yes
  • Yes
  • Yes
Hospital psychiatric services
  • Minimum Benefit Payable
  • Minimum Benefit Payable
  • Minimum Benefit Payable
  • Yes
Palliative care
  • Yes
  • Yes
  • Yes
  • Yes
Brain and nervous system
  • Yes
  • Yes
  • Yes
  • Yes
Eye (not cataracts)
  • Yes
  • Yes
  • Yes
  • Yes
Ear, nose and throat
  • Yes
  • Yes
  • Yes
  • Yes
Tonsils, adenoids and grommets
  • Yes
  • Yes
  • Yes
  • Yes
Bone, joint and muscle
  • Yes
  • Yes
  • Yes
  • Yes
Joint reconstructions
  • Yes
  • Yes
  • Yes
  • Yes
Kidney and bladder
  • Yes
  • Yes
  • Yes
  • Yes
Male reproductive system
  • Yes
  • Yes
  • Yes
  • Yes
Digestive system
  • Yes
  • Yes
  • Yes
  • Yes
Hernia and appendix
  • Yes
  • Yes
  • Yes
  • Yes
Gastrointestinal endoscopy
  • Yes
  • Yes
  • Yes
  • Yes
Gynaecology
  • Yes
  • Yes
  • Yes
  • Yes
Miscarriage and termination of pregnancy
  • Yes
  • Yes
  • Yes
  • Yes
Chemotherapy, radiotherapy and immunotherapy for cancer
  • Yes
  • Yes
  • Yes
  • Yes
Pain management
  • Yes
  • Yes
  • Yes
  • Yes
Skin
  • Yes
  • Yes
  • Yes
  • Yes
Breast surgery (medically necessary)
  • Yes
  • Yes
  • Yes
  • Yes
Diabetes management (excluding insulin pumps)
  • Yes
  • Yes
  • Yes
  • Yes
Heart and vascular system
  • Excluded
  • Yes
  • Yes
  • Yes
Lung and chest
  • Yes
  • Yes
  • Yes
  • Yes
Blood
  • Yes
  • Yes
  • Yes
  • Yes
Back, neck and spine
  • Excluded
  • Yes
  • Yes
  • Yes
Plastic and reconstructive surgery (medically necessary)
  • Yes
  • Yes
  • Yes
  • Yes
Dental surgery
  • Yes
  • Yes
  • Yes
  • Yes
Podiatric surgery (provided by a registered podiatric surgeon)
  • Yes
  • Yes
  • Yes
  • Yes
Implantation of hearing devices
  • Excluded
  • Yes
  • Yes
  • Yes
Cataracts
  • Excluded
  • Excluded
  • Yes
  • Yes
Joint replacements
  • Excluded
  • Excluded
  • Yes
  • Yes
Dialysis for chronic kidney failure
  • Excluded
  • Excluded
  • Yes
  • Yes
Pregnancy and birth
  • Excluded
  • Excluded
  • Excluded
  • Yes
Assisted reproductive services
  • Excluded
  • Excluded
  • Excluded
  • Yes
Weight loss surgery
  • Excluded
  • Excluded
  • Excluded
  • Yes
Insulin pumps
  • Excluded
  • Excluded
  • Excluded
  • Yes
Pain management with device
  • Excluded
  • Excluded
  • Yes
  • Yes
Sleep studies
  • Yes
  • Yes
  • Yes
  • Yes
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Other benefits of HCF Hospital Cover

HCF members receive a few attractive benefits.

  • Telehealth services. Medicare is restricting who is allowed to get bulk-billed GP telehealth sessions. If you're not eligible, HCF will cover you.
  • Member offers. After a month as an HCF member, you get access to their Thank You scheme. There are 4 tiers: Opal, Emerald, Ruby and Diamond which gives you money off places like Myer, JB Hi-Fi and Woolies.
  • Pet insurance. If you have a pet, HCF members can save up to 15% on their pet insurance.
  • Manage Your Health. You can also get access to a number of health management programs like weight management and mental health support.
  • 100% back on popular extras. If you take out extras, you also get 100% back on up to 2 dental check ups per year, physio appointments, chiro or osteo appointments, a podiatrist appointments, prescription glasses and hearing aids with Blamey Saunders hears.

HCF also reward long-standing members.

  • Diamond members. If you've been with HCF for over 25 years and have a top tier policy, you are rewarded with preferential servicing, a growing range of exclusive offers, VIP experiences and more.
  • Ruby. If you've been with HCF for more than 14 years, you get access to special offers and rewards, exclusive access to unique events and more.
  • Emerald. For 5 years service or more you can access an increasing range of discounts and privileges from HCF partner brands.
  • Opal. Customers who have been with HCF for under 5 years are still rewarded with various exclusive offers and rewards.

How do the costs work?

Each policy is subject to excess when you visit hospital for the first time each year, with the choice of $250, $500 or $750. The higher your excess, the lower your premium.

HCF has agreements in place with many private hospitals to ensure their members won't face a gap for services covered by their policy. If you choose a non-participating public or private hospital, you could be charged some additional costs.

To check any out of pocket costs, HCF's cost indicator give an idea of typical costs for common hospital procedures.

The HCF Medicover scheme also allows members to search for no-gap doctors through Healthshare, to help you avoid gap costs that could be incurred from doctor, anaesthetist and surgeon fees.

Waiting periods and limitations

There are certain situations where your HCF hospital cover will not pay a benefit, including:

  • Procedures excluded from your cover
  • Elective cosmetic surgery
  • Services for which Medicare does not pay a benefit
  • Services received outside Australia
  • Claims made two or more years after the date of service
  • When you have the right to recover your medical costs from a third party other than HCF, for example through workers' compensation insurance
  • Claims made when you are serving a waiting period
  • Experimental treatments
  • Treatment that HCF deems inappropriate or unreasonable

It's also worth remembering that waiting periods will apply when you sign up for HCF Hospital Cover. While you'll only have to serve a two-month waiting period before you can access most services, treatment for pre-existing conditions and for pregnancy or birth-related services will require you to wait 12 months.

How to make a claim

If you need to make an extras claim with HCF you can do so in five ways:

  1. On the spot by swiping your membership card at your provider
  2. On your smartphone with HCF's mobile app
  3. Online through the HCF website
  4. By visiting any HCF branch
  5. By filling out and posting in a claim form

You'll need to provide your full name, the service provider's details, the item number and description of the services you received, and the date and cost of those services. If you're admitted to hospital as an inpatient, your hospital should send the bill for your treatment directly to HCF on your behalf.

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6 Responses

    Default Gravatar
    peterJanuary 31, 2018

    We have HCF top cover for family. My 2 twin children are 22 years and 11 months.
    They have just graduated from University and one is entering full time work and the other part time work. They are unmarried and not in a de facto relationship.
    They are both doing some “part time study” whilst working.
    They still depend on some financial assistance from their parents.
    ASre they still covered on our Top HCF cover or do they need to take their own separate private health fund covers?

      Avatarfinder Customer Care
      JonathanFebruary 23, 2018Staff

      Hi Peter,

      Thanks for your inquiry!

      The general rule for dependents is that they need to be between 18-24 years of age. As a result, your twins should be covered by your HCF cover until they turn 25. To find out more about what happens after they turn 25, please see review about leaving a family policy.

      Best,

      Jonathan

    Default Gravatar
    TroyJanuary 17, 2017

    I am member of HCF, my child has just had a tonsillectomy. We received a cheque from you for $73.90 and the Doctors Charged us $970. Is this all you cover ? We are premium members and have been with you for 10 years or more and pay $245 a month. I’d expect you should pay more.

      Avatarfinder Customer Care
      RichardJanuary 18, 2017Staff

      Hi Troy,

      Thanks for getting in touch.

      Please note that Finder is a comparison service and not an insurer. You will need to contact HCF directly about your claim, which you can do by getting in touch with them through their website.

      If you wish to learn more, we have a guide on Health insurance for tonsil removal. You might find this guide helpfu.

      All the best,
      Richard

    Default Gravatar
    VivienneJanuary 8, 2017

    Husband needs surgery if we join hospital cover how long will cover take we are HCF ambulance members???

      Avatarfinder Customer Care
      RichardJanuary 9, 2017Staff

      Hi Vivienne,

      Thanks for getting in touch. HCF waiting periods for ambulance fees (which are covered by extras policies, not hospital policies) are:

      • Emergency ambulance (where not for pre-existing ailments): 1 day
      • Pre-existing ailments: 12 months

      All the best,
      Richard

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