Australians have trusted HCF with their health insurance needs since 1932. Is this members fund the right health provider for you?
Hospitals Contribution Fund (HCF) is one of the largest and most well-known private health insurance brands operating in Australia. As a not-for-profit provider, HCF has committed to re-investing its earnings back into the fund, allowing it to offer more competitive premium rates and additional savings to its members.
Top 3 things to know
- HCF is not-for-profit.
- Good for member benefits.
- Good for offering a range of family packages for various budgets.
Sign up deals with HCF for May 2019
Speak to a health insurance advisor
What you'll get:
- 100% free expert advice
- Pay the same as going direct
- Instant advice if you call 1300 594 882
Who is HCF?
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.
What health insurance options are available?
|Benefit||HCF Hospital Bronze Plus||HCF Hospital Silver||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 Starter Extras. This basic extras policy gives you 100% back on one dental check per year at participating providers and a $350 limit per person.
- HCF Starter Extras (with optical). Covers the same services as Starter Extras but also includes optical, including glasses and contact lenses and has a $400 limit per person.
- HCF Mid Extras. This comprehensive policy gives you 100% back on up to two dental checks per year. It also includes prescription glasses - excluding some add-ons - and free digital retinal imaging eye check as well as cover on a range of therapies.
- HCF Vital Extras - For around $50 a month you can get a range of important services on a range of therapies as well as everything in the Mid extras.
- HCF Top Extras - The most comprehensive cover, this one gives you higher annual limits and increases your loyalty limits each year.
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:
- My Future Basic Plus 250, 500 or 750. The hospital policy in this package is an enhanced Bronze policy offering cover for bones, joints, hernias, skin issues and dental surgery. The extras policy is quite basic, covering optical, general dental, major dental, a few therapies, emergency ambulance and some vaccines. You can choose between three different hospital excesses: $250, $500 or $750. A higher excess means lower premiums, but it also reduces your benefit limits on your extras policy.
- My Family Silver Plus. The hospital policy in this package offers more than what is required of a Silver policy, but slightly less than what you'd get through HCF's standalone Silver Plus policy since it doesn't cover kidney dialysis, insulin pumps, cataracts or joint replacements. That makes it ideal for families that want a high level of cover but may not need treatments that are largely associated with ageing. The extras policy covers optical, general dental, major dental, a range of therapies and emergency ambulance. Other than optical, you get a combined limit on the other treatments meaning you can spend your limits however you choose.
- My Family Advanced Silver Plus. The hospital policy in this package is practically the same as what you get in the My Family Silver Plus policy except that you get full cover for podiatric surgery rather than limited benefits. The extras policy is very similar as well, except you're covered for orthodontics, artificial health aids, podiatry and a few others. Your benefit limits are also slightly higher on a few extras treatments.
Information on tiers
With the introduction of the new classification system - Gold, Silver, Bronze and Basic - being rolled out from April 1 2019, HCF have created a range of new policy options. The Hospital Bronze Plus and Hospital Silver Plus all exceed the minimum standards set out by the government which is why they are categorised as 'plus' categories.
As a not-for-profit organisation, HCF have a number of member offers and benefits including:
- Diamond members. If you've been with HCF for over 25 years and have a top tier policy, you are rewarded with preferential servicing, a growing range of exclusive offers, VIP experiences and more.
- Ruby. If you've been with HCF for more than 10 years, you get access to special offers and rewards, exclusive access to unique events and more.
- Emerald. For 5 years service or more you can access an increasing range of discounts and privileges from HCF partner brands.
- Opal. Customers who have been with HCF for under 5 years are still rewarded with various exclusive offers and rewards.
How to make a claim
If you need to make an extras claim with HCF, you can lodge your claim in the following ways:
- On the spot. You can swipe your HCF membership card when you visit your service provider to claim immediately.
- Via the HCF mobile app. You can take a photo of your receipt with your smartphone to submit your claim.
- Online. Online claims can be made through the HCF member services portal. You'll need to post your original receipts to the health fund to complete your claim.
- At a branch. Claims can be lodged in an HCF branch by presenting your membership card and your original receipts.
- By post. You also have the option of downloading a claim form from the HCF website or phoning the health fund to request one. You can then send the completed claim form and your receipts to: HCF, GPO Box 4242, Sydney NSW 2001.
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.
Overseas visitors or Students
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.