4 reasons to switch your health insurance
Thinking about switching your health insurance to a new provider? We take a look at why now is a great time.
Sponsored by HCF. HCF offers award-winning health cover that meets the health and budget needs of everyday Australians.
Switching to a new health insurer can offer a range of advantages. So today, we're taking a look at some of the ways you can benefit by making a change.
1. Use your extras straight away
Extras on your health insurance policy can be a great way to get access to a range of healthcare services that might be too expensive otherwise.
However, there are sometimes lengthy waiting periods before you can actually use them.
The good news is that some insurers allow you to skip the waiting period when you make the switch.
This can be a great way to take care of issues you know need attention (for example, visiting the dentist).
With the right extras, it can be a great way to get yourself into good health before 2026.
Switch to HCF and score a range of benefits
When you join HCF you'll score a range of benefits, including:
- Award-winning health cover that meets the health and budget needs of everyday Australians
- Access to industry-leading health programs helping members live happier, healthier lives
- Access to exclusive member discounts and offers to make every day more rewarding
- And more!
Terms and conditions apply
2. It's an opportunity to plan for the future
Switching health insurers also represents a great opportunity to add more extras to your policy.
For example, if you join HCF then you may want to add ambulance cover. Or if you're planning to start a family, you might be interested in pregnancy cover.
This can be a way of planning ahead for the healthcare needs you might have in the future, as well as your immediate ones.
3. Access to cheaper premiums
Costs are on the rise across Australia, so it makes sense to look for ways to save.
Depending on the types of extras you opt for, switching health insurers can also be a great way to reduce your overall costs.
HCF is Australia's largest not-for-profit health fund. This means it's run to benefit its members.
Generally, this means they provide a range of additional member benefits (more on them in a moment).
Everyone's healthcare needs are different, so be sure to thoroughly investigate a policy before signing up for it. But a not-for-profit fund can potentially lead to additional benefits for you.
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
4. Access to new perks
Sometimes, changing your health fund can also mean that you get access to a range of bonuses, too.
These will vary quite a bit from insurer to insurer, so they're always worth investigating.
For example, HCF offers members the Thank You app. This provides you with a range of offers from high-profile brands like Coles, Woolworths, The Good Guys, Myer, THE ICONIC and more^.
You can also get discounts on a range of other HCF insurance products, including life insurance, pet insurance, travel insurance and more.
You can see more about the complete range on the HCF website.
Learn more about getting cover with HCF
Sponsored by HCF. HCF offers award-winning health cover that meets the health and budget needs of everyday Australians.