HCF health insurance

HCF Health Insurance

Looking for HCF Health Insurance? Find out if it's right for you

Hospitals Contribution Fund (HCF) was formed in 1932 as a not-for-profit health fund. Today, HCF largest not-for-profit health fund in Australia. HCF Health Insurance is a “member first” health fund. All profits are re-invested in the fund and in some of the savings that HCF Health Insurance provide to its members.

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HCF Health Insurance at a glance

Choosing health insurance can be complicated. HCF Health Insurance strives to make insurance simpler and has divided its cover into four bands, with optional extras.

The four bands of insurance offered by HCF Health Insurance are:

  • Basic. The clue is in the name. This is basic hospital cover for those watching the wallet.
  • Mid. The next step up is Mid. It costs a little more money, but you get more cover.
  • Mid plus. This offers comprehensive cover for singles and couples, although it does not cover pregnancy.
  • Premium. This is the everything package. It covers all the elements in the other packages with many other additions.

On top of these four options, you can choose to add Extras. The Extras are also divided into tiers:

  • Bronze. Basic extras for dental and selected therapies.
  • Bronze Plus. Same as Bronze, plus optical care is covered.
  • Silver. More comprehensive cover than Bronze Plus, including two free dental checks, more thorough eye screening and no gap eyewear claims.
  • Gold. Adds 100% back on physiotherapist, chiropractor, osteopath and podiatry consultations.
  • Platinum. Even more comprehensive cover for a wide range of conditions, therapies and services.

HCF Health Insurance levels of cover

Another way to view HCF Health Insurance's products is by life stage:

  • Singles and couples under 30. This package covers everything from hospital treatments to some dental care, physiotherapy and optical depending on your level of cover.
  • Planning a family. The big difference is that this adds full pregnancy cover.
  • Families with Kids. HCF Health Insurance offers cover designed for the needs of you and your new family.
  • Singles and Couples up to 65. HCF Health Insurance plans for empty nesters.
  • Complete Peace of Mind. This package is for anyone looking for full health care across a range of treatments.

You can also choose from Hospital, Extras or Ambulance Only cover:

  • Hospital Only. This covers emergencies and ambulance care, including heart care.
  • Extras Only. Extras include dental, physiotherapists and chiropractors, amongst others.
  • Ambulance Only. Medicare doesn't cover ambulance costs, so basic ambulance cover of some form is essential. (Ambulance cover is also included in other packages.)

Are there any additional benefits?

  • Cash Assist Cover programs. This provides cash lump sums to help you in the event of an emergency.
Program NameProgram costProgram providesWhat it covers
Kids Accident Cover90 cents per week, per childUp to $100,000 coverCover against accidents, actual sum available varies depending on injury
Cash Back Cover$2 per week for singles, $4 per week for families$5,000 if you require surgery or suffer a listed serious medical conditionMake multiple claims up to a total of $20,000 for singles and $40,000 for families
Permanent Disability Benefit Plus$1 per week for singles, $2 per week for familiesUp to $100,000If you are permanently disabled due to an accident
Medical TraumaFrom $2.50 per weekUp to $50,000If you suffer one of 40 listed medical emergencies
Income Assist InsuranceFrom $1.65 per weekUp to $6,000 per monthPays 75% of your monthly income (up to $6,000) for a year if you’re unable to work for over a month
Smart Term InsuranceFrom $3.45 per weekUp to $500,000Pays cash in event of death or terminal illness
Personal Accident InsuranceFrom $3.15 per weekUp to $50,000For those aged 55 and over, pays cash if you suffer a listed injury
  • Discounts on other HCF products. HCF Health Insurance also offer a 10% discount off pet insurance and travel insurance programs.
  • More at Home Community Care. If you're a retiree, you may be eligible to access the HCF More at Home Community Care scheme, which provides professional in home care for seniors (only available in some Sydney locations).

How much does HCF Health Insurance cost?

The cost of HCF health insurance depends on a number of factors:

  • Who do you want the policy to cover? Obviously, health insurance will be cheaper for a single under 30 than it will be for a couple over 50. It will also be more expensive if you’re looking to cover a whole family, rather than just one person.
  • What level of cover do you need? The level of cover you select affects the cost of your insurance. With the various customisable benefits and options, you are in control of how much you pay.
  • What is Savings Provision Entitlement? The Savings Provision Entitlement ensures that people on a policy, which has been eligible a Government Rebate of 35% or 40%, do not have their rebate reduced when a person aged 65 years+ leaves or cancels the policy.
  • How can I pay my premiums? You may pay your HCF Health Insurance premiums with your credit card or by direct debit. Your premiums can be paid fortnightly, monthly or annually.

If you like the look of HCF Health Insurance and you’d like to know more about what the policy might cost, the best thing to do is go to the HCF website, enter all of your needs and requirements and get your quote.

How can I save on my HCF Health Insurance policy?

Rather than looking for how to save money on your health insurance cover, you might want to look for ways to get more for what you’re paying. HCF Health Insurance gives you lots of ways to get more for less. Below we’ve listed some of the ways you can maximise bang for your buck with HCF Health Insurance.

Does the HCF offer a loyalty benefit?

HCF offers a Loyalty Benefit to customers. Each year you're a member, you’re able to claim a little bit more for certain treatments or procedures, including physiotherapy, podiatry, hearing aids, dental and many more.

Is there an option for overseas visitors?

HCF Health Insurance does offer cover for overseas visitors. You can get varying levels of cover for you and any family members who are travelling with you. You will be covered for:

  • Accommodation in an HCF Health Insurance participating hospital (excluding private room accommodation for same day procedures and private hospital emergency room fees)
  • Theatre fees
  • Special care unit (e.g. intensive care, coronary care, neo-natal intensive care)
  • State government emergency ambulance cover
  • Physiotherapy and pharmaceuticals related to your admission
  • Doctor’s charges for in-hospital treatment up to 100% of the MBS fee
  • You will receive benefits towards the costs of doctor’s charges in and out of hospital

You can also get extra cover to take care of the following:

  • Dental treatment
  • Physiotherapy, chiropractic, osteopathy
  • Optical items
  • Therapies including natural therapies

What are the general exclusions?

  • Claims made two years after the date of service
  • Claims that don’t meet HCF Health Insurance claims criteria
  • Donated blood and blood products
  • Experimental treatments
  • If you are able to recover the costs from another third party
  • Massage and aromatherapy services
  • Personal convenience items such as beauty salon services, magazines, newspapers and phone calls
  • Private hospital emergency room fees
  • Private room accommodation for same-day
  • Respite care
  • Services provided outside Australia which don’t meet requirements under the Private Health Insurance Act (2007)
  • Services provided in hospital by non-hospital providers
  • Special nursing
  • Take home items such as crutches
  • Treatment deemed inappropriate
  • Treatment for pre-existing conditions during the waiting period

How does the excess work?

An excess is the amount you nominate to pay, at the outset of your policy, should you be admitted to hospital. HCF Health Insurance offer very competitive rates of excess, with a choice of no excess, $250 or $500 depending on the treatment required and the level of cover you have. It is also worth noting that you will only pay one excess per calendar year, regardless of the amount of treatment or care that you receive.

What steps are involved in making a claim?

Claims depends on your contributions being up to date. You can't make a claim for a pre-existing condition until after you have held the policy for a full year.

Here are a few other general rules about making a claim:

  1. You can’t claim in advance of treatment, only after it has occurred
  2. You must claim within two years of any treatment.
  3. Treatment must be provided by an HCF Health Insurance approved health practitioner (Check with your practitioner in advance if they are approved by HCF Health Insurance)

Claims can be made online, through the Online Member Services portal, by post, or in person at any HCF Health Insurance branch.

Download the HCF claims app



Q. Can I cancel my policy?

  • A. If you’re unhappy with your policy, you can cancel at any time. However, you may lose some of your accrued benefits, it might be worth calling your fund first to discuss your new needs and reasons for leaving.

Q. Does it cover me for pregnancy?

  • A. Some policies do cover pregnancy-related services, but others don’t. If you’re thinking of starting a family while covered by HCF Health Insurance double check that the options you have taken out give you the cover you require.

Q. Will HCF Health Insurance cover pre-existing conditions?

  • A. HCF Health Insurance will cover pre-existing conditions, but at a higher premium. You have to declare any existing conditions, and it is possible that HCF Health Insurance will ask to have parts of your medical history examined by an HCF approved physician.

Q. Will my HCF Health Insurance cover me while I’m abroad?

  • A. No. HCF Health Insurance provide health insurance, but not travel insurance, so you’re not covered when you’re out of Australia. If you’re going abroad, you should think about taking out a separate travel insurance policy.

Compare health insurance policies

HCF Health Insurance is a large and trusted health fund. HCF’s mission is straightforward and its member-focused service has been satisfying its customers for over 70 years. Remember that health insurance is a personal choice and will vary for individual needs and requirements.

Speak with an adviser about cover from HCF Health Insurance

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