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.
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 competitive 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 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|
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:
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:
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.
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