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
-
Emergency department wait times Victoria
In the first quarter of 2025, the average emergency department wait time in Victoria public hospitals was 14 minutes. However this varies depending on the severity of your condition.
-
Canberra Hospital emergency department waiting times
In February 2025, the average waiting time for patients visiting Canberra Hospital emergency department was 30 minutes.
-
What is private health insurance?
Private health insurance provides coverage beyond Medicare. It can make in-hospital healthcare more convenient and everyday healthcare costs more affordable. Learn more.
-
Compare Extras Cover
Extras health insurance comes in hundreds of varieties...literally. Learn more and compare extras cover from dozens of providers before you buy.
-
see-u health insurance review
see-u is part of popular non profit insurer HBF. Previous known as CUA, see-u offers a simple, no nonsense set of products aimed at younger Aussies.
-
Australian Seniors health insurance review
Our verdict: Australian Seniors has some well priced policies, including some that are custom made for older Australians, issued by nib.
-
Cost of childbirth in Australia: Public vs private costs
Prenatal care in Australia is covered by Medicare, meaning it’s mostly free through the public system. You can choose to go private, which comes with a lot of benefits – but there are out-of-pocket expenses to watch out for.
-
Alcohol calculator: What is the cost of alcohol?
Work out your savings and see the financial case for going sober.
-
Priceline Health Insurance Review
Priceline are a simple, no-nonsense health insurance brand offered by the popular pharmacy, underwritten by nib. Regular shoppers can score some great benefits as members, so should definitely consider their cover options.
-
Health insurance deals and offers for March 2026
Find out about the latest health insurance deals and special promotions.