Top 3 features
- HCF is not-for-profit.
- Good for all life stages.
- Members are rewarded for their loyalty with additional benefits.
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.
|Benefit||HCF Hospital Bronze Plus||HCF Hospital Standard Silver Plus||HCF Hospital Silver Plus||HCF Hospital Gold|
|Hospital psychiatric services|
|Brain and nervous system|
|Eye (not cataracts)|
|Ear, nose and throat|
|Tonsils, adenoids and grommets|
|Bone, joint and muscle|
|Kidney and bladder|
|Male reproductive system|
|Hernia and appendix|
|Miscarriage and termination of pregnancy|
|Chemotherapy, radiotherapy and immunotherapy for cancer|
|Breast surgery (medically necessary)|
|Diabetes management (excluding insulin pumps)|
|Heart and vascular system|
|Lung and chest|
|Back, neck and spine|
|Plastic and reconstructive surgery (medically necessary)|
|Podiatric surgery (provided by a registered podiatric surgeon)|
|Implantation of hearing devices|
|Dialysis for chronic kidney failure|
|Pregnancy and birth|
|Assisted reproductive services|
|Weight loss surgery|
|Pain management with device|
HCF members receive a few attractive benefits.
HCF also reward long-standing members.
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.
There are certain situations where your HCF hospital cover will not pay a benefit, including:
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.
If you need to make an extras claim with HCF you can do so in five ways:
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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