This guide is brought to you by HCF. HCF offers an extensive range of health insurance options to suit your needs. For more information, visit the HCF website.
HCF’s Cost of Living Hub
Cost-effective health insurance for the whole family
With HCF, you'll be able to find the cover you need at an affordable price if you join eligible combined cover.
About HCF Health Insurance
In a time when costs are rising, it's important to be able to look for ways to save on everyday essentials.
As Australia's largest not-for-profit health fund, HCF puts their 2 million members at the heart of everything they do. That's Uncommon Care.
HCF works to keep private health insurance cost-effective, while still enabling members to access the high-quality care they need.
Compare HCF's hospital and extras packages, hospital-only cover, and extras-only cover options to find cover that fits your health and budget needs, or mix and match for combined cover that works for you.
You're able to pick a policy to suit you and your family's needs. It can be a great way to manage costs effectively without compromising on cover.
Congratulations, HCF!
HCF was a big winner in the 2025 Finder Awards*.
- Winner, Best Basic Hospital Health Insurance: Hospital Basic Plus $750 Excess
- Winner, Best Bronze Hospital Health Insurance: HOSPITAL BRONZE PLUS $750 EXCESS
- Highly commended, Best Silver Hospital Health Insurance: HOSPITAL STANDARD SILVER PLUS
- Highly commended, Best Comprehensive Extras Health Insurance: VITAL EXTRAS
Learn more about HCF
Other perks with HCF
In addition to offering an extensive range of cover, HCF offers a range of other features and perks to members.
With the right features, this can help make your policy even better value in the process.
The My Membership app is designed to make your health cover easy, simple and fast to use – anytime, anywhere, from your pocket.
As an HCF member, you can also score discounts on life and recovery products, travel, pet, home and car insurance.
Score exclusive offers and discounts with the HCF Thank You loyalty rewards program^ and get more out of your cover.
Articles and resources about HCF
Learn more about HCF, making savings on your insurance costs and more.
Visit regularly to find out how you can get more great cost-saving tips on your health insurance.
Sponsored
News
SPONSORED: Thinking about switching your health insurance to a new provider? We take a look at why now is a great time.
More guides on Finder
-
Medicare Levy Surcharge calculator: find out what you owe in 2026–27
Use Finder's free calculator to find out if you're liable for the MLS and whether private hospital cover could save you money.
-
Finder Rewards AHM Health Insurance Switching Promotion – June 2026 – Terms & Conditions
Finder is giving eligible customers a $300 digital Visa card when they switch their health insurance to Medibank
-
Medicare levy surcharge – don’t get caught out!
Don’t have private hospital cover? You could be paying more tax than you need to, due to the Medicare Levy Surcharge.
-
ahm health insurance review
ahm offers a broad range of policies with affordable premiums, but if you’re looking for the lowest price possible, cheaper options are available.
-
GMHBA health insurance review
GMHBA health insurance offers a wide range of hospital and extras policies, giving you tons of flexibility.
-
Health insurance rewards
Save on your insurance with gift cards, points and other bonuses - here's what to look for.
-
How to switch health insurance: Step-by-step
This guide looks at the reasons people switch, and what it means for your waiting periods. You can also compare new options with over 30 Australian health funds.
-
Health insurance waiting periods
It's not possible to skip waiting periods for health insurance but there are exceptions.
-
Health insurance deals and offers for July 2026
Find out about the latest health insurance deals and special promotions.
-
Cheapest health insurance in Australia July 2026
Learn how to get cheap health insurance and what you can expect for your money.