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HCF health insurance

HCF health insurance

Australians have trusted HCF with their health insurance needs since 1932. Read on to discover if it's the right health fund 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.

Compare HCF's policy range

HCF health insurance policies at a glance

HCF offers standalone hospital and extras policies in a range of cover levels to suit different needs and budgets. It also offers package policies designed for different life stages and events.

To learn more about what HCF has to offer, simply select the type of health insurance you are interested in:

Hospital cover

Those seeking cover for hospital treatments can choose from four HCF policies. These can be taken out by themselves or paired with extras cover:

  • Basic Hospital. An affordable policy for those watching their wallet. Covers you for essential treatment in an HCF affiliated private hospital and includes an emergency ambulance transport benefit.
  • Mid Hospital. Slightly higher premium than Basic Hospital but covers a wider range of hospital treatments such as heart surgery, joint reconstruction and sterilisation.
  • 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. The highest level of cover available. It is the only hospital policy offered by HCF that fully covers pregnancy and birth-related services.

Extras cover

Need insurance for out-of-hospital services like dental or optical? HCF offers five extras policies that can be taken out as standalones, or added to your hospital cover:

  • Bronze Extras. Basic extras that include cover for general dental, physiotherapy, chiro and a selection of natural therapies.
  • Bronze Plus Extras. Covers the same services as Bronze Extras but includes benefits for optical accessories.
  • Silver Plus Extras. Offers higher annual benefit limits than both Bronze policies and covers more services.
  • Gold Extras. Comprehensive extras that increase the benefit limits of certain services for each year you hold cover.
  • Platinum Extras. Covers all the services included in Gold Extras with higher annual benefit limits and per year increases.

Packaged cover

Starting a family or just looking for both in and out of hospital cover? HCF saves you the hassle of sifting through policies by offering pre-packaged options:

  • Young Singles & Couples. This package focuses on affordability by excluding premium-raising cover for treatments and services young people are not likely to use.
  • Planning a Family. Ensures that the birth of your new family member does not come with a costly medical bill by including cover for pregnancy and maternity services.
  • Family with Kids. Includes cover for services your children might need such as tonsil removal, immunisations, vaccines, general dental and major dental.
  • No Pregnancy. This package is for those who may want a comprehensive level of cover but have no need for pregnancy benefits, such as families with older children or seniors.
  • Top Cover. Combines top tier hospital with comprehensive extras options. If you are seeking the highest level of protection available from HCF this may be the policy for you.

Get bonus benefits with the HCF Young Starter Package*

HCF is currently offering a unique hospital and extras policy called the Young Starter Package. This policy contains additional benefits not available with other Young Singles & Couples packages. These include:

  • 100% back on up to 2 dental checks each year.
  • 100% back on select spectacles and lenses plus a free retinal imaging eye check.
  • Free HCF comprehensive travel insurance.

*Available to singles and couples only. The increased dental and optical benefits are based on comparing those offered by the lowest cost Young Singles & Couples package.

How do the HCF extras loyalty benefits work?

If you purchase HCF Gold Extras or Platinum Extras, you can enjoy a loyalty bonus which increases your annual benefit limits on certain services for each year that you maintain your cover. The benefit increase is applied whether Gold or Platinum Extras are taken out as standalone policies, paired with hospital cover or included in a package:

ServiceTreatments includedGold ExtrasPlatinum Extras
  • Direct fillings
  • Indirect fillings
  • Tooth extractions
  • Oral surgery
  • Periodontics
  • Endodontics
  • Crowns and bridges
  • Dentures
  • One year. $800
  • Two years. $950
  • Three years. $1,100
  • One year. $1,000
  • Two years. $1,150
  • Three years. $1,300
Standard therapies
  • Physiotherapy
  • Exercise physiology
  • Occupational therapy
  • Psychology
  • One year. $350
  • Two years. $450
  • Three years. $550
  • One year. $600
  • Two years. $750
  • Three years. $900
Complementary therapies
  • Chiropractic and osteopathy
  • Remedial massage and myotherapy
  • Acupuncture
  • Chinese herbal medicine 
  • Naturopathy and nutrition 
  • One year. $250
  • Two years. $350
  • Three years. $450
  • One year. $300
  • Two years. $400
  • Three years. $500
Complex therapies
  • Podiatry
  • Dietetics
  • Audiology and speech pathology
  • One year. $200
  • Two years. $250
  • Three years. $400
  • One year. $250
  • Two years. $300
  • Three years. $500
Hearing aids 
  • Hearing appliances
  • $600 to $1,600
  • $800 to $1,800

What additional benefits does HCF offer?

  • Discounts on other HCF products. Becoming an HCF member awards you with a 10% discount if you choose to take out HCF travel or pet insurance.
  • Free comprehensive travel insurance. Enjoy complimentary travel insurance if you purchase Premium Hospital, Mid Plus Hospital or the Young Starter Package, if you're under 75.
  • More at Home Community Care. Having HCF health insurance gets you a 10% discount on its More at Home scheme, which provides professional in-home care for seniors. 
  • Unemployment subsidy. HCF will pay your premium for up to 183 days if you become unemployed through no fault of your own. This is included in all HCF retail hospital products currently available for purchase. Eligibility criteria apply.

Does HCF offer any excess options?

All HCF hospital cover policies have a selection of excess fees to choose from. This is an amount you nominate to pay if you are admitted to hospital, with the upside being that it reduces the premium cost of your policy. With HCF you are only required to pay one excess fee per year, regardless of the amount of treatment or care that you receive.

The Basic, Mid and Mid Plus Hospital policies allow you to select from either a $250 or $500 excess, while Premium Hospital gives you a choice between no excess, $250 or $500. When considering your options it can be helpful to think about whether you want to pay less or more over time, as the lower your excess the higher your premium

What are the general exclusions?

Below you can find examples of treatments, services and claims that HCF does not pay benefits for or accept. These are universal exclusions which apply to every policy offered by this health fund:

  • Any elective cosmetic surgery procedure.
  • Claims made two years after the date of service.
  • Claims that fail to meet the HCF Fund Rules.
  • If you have the right to claim costs from a third party.
  • Pre-existing condition claims within the waiting period.*
  • Any service or treatment listed as an exclusion.
  • Services received while a policy is in arrears, not financial, suspended or within a waiting period.
  • Treatment deemed inappropriate or unreasonable by HCF.
  • Any fees associated with emergency room treatment.
  • Services received from a provider not recognised by HCF.
  • Services that are not received face-to-face.**
  • Services provided outside of Australia.
  • Ambulance transfers between hospitals.
  • Any service or treatment that fails to meet Private Health Insurance (Accreditation) Rules.
*Pre-existing conditions relating to psychiatric treatment, rehabilitation or palliative care are subject to only a 2 month waiting period.
**Does not apply to services received under a Chronic Disease Management Program or Health Management Program.

What affects the cost of my HCF health insurance?

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

  • The number of people on the policy. A singles policy is going to be less expensive than a couples or family policy.
  • How comprehensive the policy is. Top level hospital and extras policies are going to cost more than lower tiered ones.
  • The excess amount chosen. Selecting a larger excess fee results in larger reductions on your premium.
  • If government penalties are applied. If the Lifetime Health Cover loading is applied then the premium amount increases.

How do I submit a claim?

For hospital treatments you should be given a claims form to fill out and sign once you are admitted. It is then sent on automatically to HCF for processing. If for some reason this does not occur, contact HCF at 13 13 34 for assistance.

Extras services have several options available when it comes to claiming. You can either:

  • Claim on the spot with your HCF membership card if the facility where you are treated has a HICAPS terminal available
  • Use the HCF My Membership app to take a photo of your receipt and submit your claim
  • Log into the members services portal on the HCF website and lodge your claim online
  • Mail a completed claim form and the original receipts to HCF, GPO Box 4242, Sydney NSW 2001

Get the HCF My Membership app

HCF My Membership

Final details about this health fund

If you are unhappy with your policy you can cancel at any time. Be aware that you may lose some of your accrued benefits if you decide to opt out of cover. Depending on your situation it might be worth calling HCF first to discuss your reasons for leaving.
This depends on the type of hospital cover you choose. Any policy that contains Premium Hospital fully covers pregnancy and birth-related services. The Young Starter Package and any policy that contains Mid Hospital provides minimum benefit cover.
Pre-existing conditions are covered although you have to wait 12 months before any related treatment can be claimed. This rule does not apply to pre-existing psychiatric treatment, rehabilitation or palliative care.
In order to receive full benefits for hospital and extras cover you generally have to be treated by an HCF affiliated provider. Failing to do so may result in less benefits being paid or your claim being rejected.
Your policy only covers you in Australia. If you have purchased the Young Starter Package, Mid Plus Hospital or Premium Hospital you can access free travel insurance if you're under 75 years old. All HCF members also receive a 10% discount on HCF travel insurance policies.

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10 Responses

  1. Default Gravatar
    CherieApril 23, 2017

    I am looking for a cover which will cover an insulin pump

    • Staff
      ZubairApril 26, 2017Staff

      Hi Cherie,

      Thank you for your question.

      You have contacted, 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,

  2. Default Gravatar
    NormJanuary 22, 2017

    Does the HCF completely cover all costs associated with “capsule endoscopy”. I have top cover for hospital and ambulance. Thanks

    • Staff
      RichardJanuary 23, 2017Staff

      Hi Norm,

      Thanks for getting in touch. 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,

  3. Default Gravatar
    PeterJanuary 22, 2017

    Does mid cover hospital include day surgery admission? Thanks.

    • Staff
      RichardJanuary 23, 2017Staff

      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.


  4. Default Gravatar
    TomasOctober 21, 2016

    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

    • Staff
      RichardOctober 26, 2016Staff

      Hi Tomas, is a comparison service and not an insurer. You will need to contact HCF directly about this matter.


    • Default Gravatar
      robJuly 26, 2017

      can you tell me what cover i need 4 if i have heart attack

    • Staff
      DanielleJuly 27, 2017Staff

      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.


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