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Top Pick for
Bronze Hospital
Top Pick for
Silver Hospital
Top Pick for
Gold Hospital
Hospitals Contribution Fund (HCF) is one of the largest and well-known private health insurance brands in Australia. As a not-for-profit provider, HCF has committed to re-investing its earnings back into the fund, allowing it to offer cheap premium rates and savings to its members.
Looking to compare health insurance options and quotes with HCF? Use this free tool to see options side by side, or use the filters to find specific treatments.
HCF is a not-for-profit insurance company, meaning any profit goes back into the fund rather than being shared among shareholders. Over the last 5 years, HCF have paid out more in premiums to members in benefits than the industry average.
Benefit | HCF Hospital Bronze Plus | HCF Hospital Standard Silver Plus | HCF Hospital Silver Plus | HCF Hospital Gold |
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Emergency ambulance |
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Rehabilitation |
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Hospital psychiatric services |
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Palliative care |
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Brain and nervous system |
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Eye (not cataracts) |
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Ear, nose and throat |
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Tonsils, adenoids and grommets |
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Bone, joint and muscle |
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Joint reconstructions |
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Kidney and bladder |
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Male reproductive system |
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Digestive system |
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Hernia and appendix |
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Gastrointestinal endoscopy |
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Gynaecology |
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Miscarriage and termination of pregnancy |
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Chemotherapy, radiotherapy and immunotherapy for cancer |
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Pain management |
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Skin |
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Breast surgery (medically necessary) |
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Diabetes management (excluding insulin pumps) |
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Heart and vascular system |
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Lung and chest |
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Blood |
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Back, neck and spine |
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Plastic and reconstructive surgery (medically necessary) |
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Dental surgery |
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Podiatric surgery (provided by a registered podiatric surgeon) |
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Implantation of hearing devices |
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Cataracts |
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Joint replacements |
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Dialysis for chronic kidney failure |
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Pregnancy and birth |
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Assisted reproductive services |
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Weight loss surgery |
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Insulin pumps |
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Pain management with device |
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Sleep studies |
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Apply | Go to Site | Go to Site | Go to Site | Go to Site |
Looking for both hospital and extras cover? You can combine any hospital policy and extras policy from the previous two tabs, or you can choose one of these three custom policies that combine hospital cover and extras cover you can't buy on their own:
Ambulance Cover from HCF is only available for residents of NSW and the ACT. It provides cover for emergency ambulance travel provided by state government services anywhere in Australia.
You also have an annual cover limit for medically necessary, non-emergency ambulance services where your doctor requires you to be transported by ambulance, for up to $5,000. This occurs in situations where your condition needs to be monitored and the right medical support provided while you are in transit.
This cover is offered for singles, couples, families and single parent families, and there is no need to pay upfront for the ambulance service you use once you're insured.
Ambulance Cover is available as a standalone policy or with Cash Back Cover. Cash Back Cover offers a cash benefit to help you cover additional expenses that arise when you are sick or injured. Available from $2 a week for singles, Cash Back Cover provides:
You're also eligible to make multiple claims, up to a limit of $20,000 for singles and $40,000 for families.
Always check the conditions and the list of general exclusions to make sure you know what is and isn't covered. HCF will not pay your claim if:
There are waiting periods which apply when you take out HCF Ambulance Cover. A one-day waiting period applies to emergency ambulance. There is a two-month waiting period for medically necessary non-emergency ambulance. If you require ambulance transport or treatment for a pre-existing ailment or condition, keep in mind that you will have to serve a 12-month waiting period.
There are several factors that can influence how much HCF Ambulance Cover costs:
As a not-for-profit organisation, HCF have a number of member offers and benefits including:
If you need to make an extras claim with HCF, you can lodge your claim in the following ways:
As for medical bills from your treating doctor, if you were treated under the HCF Medicover agreement the bills will go directly to HCF. If not, you can submit your health insurance claim at any HCFor Medicare branch.
If you're planning on visiting or working in Australia, HCF have a range of options available to you. It's important you have the right level of health insurance as part of your visa requirements.
Find out how much a colonoscopy costs in Australia and how you can avoid paying heaps.
Find out how much veneers cost in Australia and how you can avoid being hit with a big bill.
Find out how much dentures cost in Australia and how you can get cover with mid-level health insurance.
$100,000 life insurance policies can be very affordable. Compare costs and cover here.
Compare $500,000 life insurance policies, costs and cover here.
Learn how to get life insurance if you have asthma.
How to get life insurance if you have been in a coma.
How to get life insurance if you’ve had a stroke.
The ins and outs of life insurance if you have epilepsy.
Can you get life insurance if you have a pacemaker? We explain how it works.
Get cover to suit your budget and lifestyle.
Great offers, promos, and deals for today.
Hospital, extras, or neither? Find out in 1-minute.
Compare visa-compliant OVHC today.
I am 78 female, living alone. Would like quotes for hospital, ambulance, specialists doctors, some extras like heart, limbs, hips, dental, along the lines of silver in HCF. Looking what offers available.
Hi Jay,
Thank you for getting in touch with Finder.
You may click on the green get deal button on this page you’re looking at and you will be redirected to HCF’s official page where you may get quotes for your health insurance needs. Also, if you enter all details asked in the table on this page, our health insurance advisor will get in touch to give you options and help you find health insurance that will suit your needs.
I hope this helps.
Thank you and have a wonderful day!
Cheers,
Jeni
Do you have to have a Community First bank account to open with HCF?
Hi Rosemary,
Thank you for getting in touch with Finder.
You may take out any HCF health cover even if you do not have a Community First bank account. You may click on the green get deal button on this page and you’ll be redirected to HCF’s official page where you may learn more on their offered health products or get quotes. Also, on this page you’re looking at, you may enter all details asked on the table and an expert will get in touch to help you compare up-to-date policies from eight funds to see which one is best for you.
I hope this helps.
Thank you and have a wonderful day!
Cheers,
Jeni
I am looking for a cover which will cover an insulin pump
Hi Cherie,
Thank you for your question.
You have contacted finder.com.au, a comparison and information service and not actually HCF Health Insurance.
On our health insurance for insulin pumps and diabetes page, you can find the HCF and other health funds who offer cover for an insulin pump.
All the best,
Zubair
Does the HCF completely cover all costs associated with “capsule endoscopy”. I have top cover for hospital and ambulance. Thanks
Hi Norm,
Thanks for getting in touch. finder.com.au is a comparison service and does not have access to that kind of information. You will need to contact HCF directly about the specifics of your policy.
I hope this was helpful,
Richard
Does mid cover hospital include day surgery admission? Thanks.
Hi Peter,
Thanks for getting in touch. Whether or not you’ll have cover will depend on the type of surgery. You should contact HCF directly about the specifics of your policy.
Cheers,
Richard
I cancelled my membership in HCF this year…it last more than half year…I like to make my membership active again.. i need more information how to continue with my request
Hi Tomas,
finder.com.au is a comparison service and not an insurer. You will need to contact HCF directly about this matter.
Cheers,
Richard
can you tell me what cover i need 4 if i have heart attack
Hi Rob,
Thank you for contacting finder. We are a comparison website and general information service, we’re more than happy to offer general advice.
You may check HCF’s Critical Illness cover. It covers Heart; heart attack, angioplasty, bypass coronary arteries, open heart surgery, cardiomyopathy, pulmonary hypertension.
I hope this helps.
Cheers,
Danielle