Looking for hospital-only health insurance? Compare HCF Hospital Cover and see if it’s right for you.
HCF is the largest not-for-profit health fund owned and operated in Australia, and is run for the benefit of its members. HCF offer three levels of hospital-only cover designed to suit people at different life stages: Basic Hospital, Mid Hospital and Premium Hospital. Cover can be tailored further with additional cover to meet your needs without blowing out your budget.
Compare HCF Hospital Cover side-by-side
HCF offer three levels of hospital cover, to suit a range of insurance needs and budgets:
- Basic Hospital. If you’re young and healthy or simply operating on a tight budget, this option may suit you. As the name suggests, it provides a basic level of cover for emergency ambulance, accidents, intensive care and accommodation.
- Mid Hospital. This policy option is designed to offer affordable cover for a selection of common procedures, offering a combination of a decent selection of benefits with a premium structure that offers value for money. As well as the basics, it covers tonsil removal, chemotherapy, heart surgery and joint reconstructions.
- Mid Plus Hospital. A step up from Mid Hospital, this allows you to receive benefits for complex procedures such as joint replacements, eye surgery as well as rehabilitation services.
- Premium Hospital. This top-level cover option aims to provide comprehensive health care protection and peace of mind to members. It covers procedures including spinal surgery, Cochlear implant surgery, rehab, psychiatric services and joint replacements.
What’s covered? Basic Hospital Mid Hospital Mid Plus Hospital Premium Hospital Emergency Ambulance Yes Yes Yes Yes Accident Yes Yes Yes Yes Removal of tonsils, adenoids, appendix Yes Yes Yes Yes Surgical treatment of a hernia Yes Yes Yes Yes Removal of kidney stones and gall stones Yes Yes Yes Yes Digestive disorder procedures Yes Yes Yes Yes Cancer related services Yes Yes Yes Yes Heart surgery No Yes Yes Yes Spinal surgery No Restricted Yes Yes Cochlear implant surgery No No No Yes Care involving dialysis for chronic renal failure No No Yes Yes Rehabilitation services Restricted Restricted Yes Yes Psychiatric treatment Restricted Restricted Restricted Yes Gastric banding and obesity surgery No No No Yes Assisted reproductive services No No No Yes Pregnancy and birth related services No Restricted No Yes Joint investigations and reconstructions Yes Yes Yes Yes Joint replacements No Restricted Yes Yes Cataract and other lens related surgery No No Yes Yes Sterilisation No Yes Yes Yes Podiatric surgery No No Restricted Restricted
Information last checked as correct in April 2018 and is subject to change at any time.
- Travel insurance. HCF members receive a 20% discount on HCF Travel Insurance, issued by QBE.
- Pet insurance. HCF health fund members can also receive 15% off the cost of HCF Pet Insurance, issued by The Hollard Insurance Company.
- My Health Guardian. This online program allows you to improve your health and wellbeing with nutritional advice, exercise programs, health coaching and more.
- More for Teeth program. Members in Victoria, Queensland, South Australia and regional NSW can access many diagnostic and preventative dental services for no charge.
- HCF Dental and Eyecare Centres. HCF operates a network of dental and eyecare centres across Sydney.
- Healthy Weight for Life Programs. Lose weight and learn the necessary skills to keep it off for the rest of your life.
Limitations and exclusions
There are certain situations where your HCF hospital cover will not pay a benefit, including:
- Procedures specifically listed as being 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
- Emergency room fees
If you choose Basic Hospital, Mid Hospital or Mid Hospital Plus Cover, you can choose an excess of either $250 or $500. This is the amount you will need to contribute to the cost of your hospital stay when you are admitted to hospital. Premium Hospital cover is available with a choice of a nil, $250 or $500 excess.
Finally, 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.Back to top
The exact cost of your HCF Hospital Cover will vary depending on the cover option you choose, with Premium Hospital being the most expensive option.
How to save on your HCF Hospital Cover
- Choose a lower level of cover. The fewer features a policy offers, the cheaper it is.
- Choose a higher excess. Choosing a higher excess allows you to enjoy lower premiums.
- Sign up ASAP. Signing up for private health cover before your 31st birthday will allow you to avoid costly premium loadings under the Australian Government’s Lifetime Health Cover Scheme.
If you need to make an extras claim with HCF you can do so in five ways:
- On the spot by swiping your membership card at your provider
- On your smartphone with HCF’s mobile app
- Online through the HCF website
- By visiting any HCF branch
- 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.Back to top
HCF Overseas Visitors Health Cover is designed to offer comprehensive medical protection for visitors working in Australia who are not entitled to receive Medicare benefits. It covers hospital accommodation, theatre fees, special care unit treatment, emergency ambulance treatment, doctors’ charges and more. It is suitable for visitors here on a 457, 456, 417, 419, 405 or 422 visa, as well as visitors in Australia for business purposes.