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.
HCF health insurance policies
Why Choose HCF
- Enjoy 100% back* on extras like dental check-ups and other popular extras through our No-Gap network
- Offers My Flex Extra – basic Extras cover with a single limit plus an additional optical limit that helps you get more back on the extras you’ll actually use.
- Enjoy 6 weeks free when you join hospital and extras cover^
HCF Health Insurance PoliciesHCF 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 CoverBased on a single person living in Victoria, under 65 with annual salary <$93,000
- 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've got to pair this with My Future Extras though.
Extras CoverBased on a single person living in Victoria, under 65 with annual salary <$93,000
- 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 contact.
- 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!