HCF has been around since 1932, and it's the biggest not-for-profit health insurer in Australia. The benefit of joining HCF is that they're not all about making a profit. Instead, any profit they make gets funnelled right back into making their services better and keeping your costs low.
Why Choose HCF
- Ambulance Cover: All HCF hospital and extras insurance include ambulance cover. For residents of NSW and ACT, standalone ambulance cover is also available.
- Coverage Options: HCF offers various hospital and extras cover options to suit different needs. Their hospital cover ranges from basic to premium, with no excess for accidents or children on any level.
- Loyalty Rewards: HCF values long-term members with their Thank You program, offering discounts and special deals. The longer you stay, the more benefits you get, including savings at popular brands and access to exclusive events.
- Family-Friendly Policies: HCF provides policies with no excess for children under 25 on family cover, making it an excellent choice for families.
About HCF Health Insurance
HCF (Hospitals Contribution Fund of Australia), is the country's largest not-for-profit health insurer. Established in 1932, HCF serves over 1.9 million members. As a not-for-profit organisation, HCF focuses on returning value to its members rather than making a profit.
HCF Health Insurance Policies
HCF offers a range of health insurance policies, from singles health insurance policies to couples policies, family policies and senior policies. Choose from hospital cover, extras cover, or combined hospital & extras cover.
Hospital Cover- Accident Only Basic: Just as the name suggests, this one’s purely for accidental injuries.
- Hospital Bronze Plus: Covers you for joint fixes, as well as issues with your kidney, bladder, and digestive system.
- Hospital Standard Silver Plus: Expands to cover your heart, blood vessels, and back, neck, and spine problems.
- Hospital Silver Plus: Kicks it up a notch by including things like cataract treatments and joint replacements.
- Hospital Premium Gold: This is the all-in-one package. Think pregnancy, fertility treatments, and psychiatric services.
- My Future Basic Plus Hospital: Special plan that includes joint repairs, hernia and appendix treatments, and dental surgery. You have to pair this with My Future Extras, however.
- Starter Extras: Perfect for beginners—covers one dental check per year and a few therapies.
- Starter Extras (with optical): Adds in eyewear like glasses and contacts.
- Mid Extras: Two dental checks a year and eyeglasses, but without the extra lens features. Also offers a range of therapies.
- Vital Extras: This one’s pretty loaded. Full access to HCF’s no-gap services and your limits go up every year you stay.
- Top Extras: The ultimate package with the highest annual limits, and yup, those limits increase every year.
- My Future 250/500/750 Extras: These are specific to the My Future Basic Plus Hospital plan, offering different combined limits for stuff like eyewear and therapies. Plus, you get teeth whitening!
How to Join HCF
Ready to join HCF health insurance? You apply online using our simple application tool, or you can call us and one of our expert consultants will guide you through the process.
If you want to compare health funds to find the right fit for your needs, we can help you compare policies from our range of health fund providers and plans. Give us a call today, or use our simple comparison tool to compare online now.
