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HCF Hospital Cover

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

What does HCF Hospital Cover cover?

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 HospitalMid HospitalMid Plus HospitalPremium Hospital
    Emergency AmbulanceYesYesYesYes
    Removal of tonsils, adenoids, appendixYesYesYesYes
    Surgical treatment of a herniaYesYesYesYes
    Removal of kidney stones and gall stonesYesYesYesYes
    Digestive disorder proceduresYesYesYesYes
    Cancer related servicesYesYesYesYes
    Heart surgeryNoYesYesYes
    Spinal surgeryNoRestrictedYesYes
    Cochlear implant surgeryNoNoNoYes
    Care involving dialysis for chronic renal failureNoNoYesYes
    Rehabilitation servicesRestrictedRestrictedYesYes
    Psychiatric treatmentRestrictedRestrictedRestrictedYes
    Gastric banding and obesity surgeryNoNoNoYes
    Assisted reproductive servicesNoNoNoYes
    Pregnancy and birth related servicesNoRestrictedNoYes
    Joint investigations and reconstructionsYesYesYesYes
    Joint replacementsNoRestrictedYesYes
    Cataract and other lens related surgeryNoNoYesYes
    Podiatric surgeryNoNoRestrictedRestricted

Information last checked as correct in April 2018 and is subject to change at any time.

Are there any additional benefits?

  • 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.
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Policy limitations, exclusions, waiting periods and excesses

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.

Waiting periods

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.

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How much does HCF Hospital Cover cost?

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.

How do I 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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Need some questions answered?

Is there an option for overseas visitors?

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.

Get a quote & apply for HCF Hospital Cover


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6 Responses

  1. 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?

    • finder 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 our guide here.



  2. 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.

    • finder Customer Care
      RichardJanuary 18, 2017Staff

      Hi Troy,

      Thanks for getting in touch. finder.com.au is a comparison service and not an insurer. You will need to contact HCF directly about you claim, which you can do by heading to its contact us page.

      All the best,

  3. Default Gravatar
    January 8, 2017

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

    • finder 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,

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