HCF

How you can save.

Get up to $300 cashback when you take out Hospital & Extras cover with HCF.
Terms and conditions apply. Please see below for more details. 

 

Switching is easy.

  • Switching your health fund to HCF is fast – and uncomplicated: it takes less than 15 minutes to choose the cover that works for you and fill in an application. HCF will take care of the rest – and that includes liaising with your previous fund, so you don’t have to.
  • No need to re-serve waiting periods for benefits previously covered
  • Obligation-free health fund cover check up
  • Get a 30-day money-back cooling off period
  • Switch at any time of the year

How you do it.

   Request a call back. One of the HCF team members will call at a time that works for you.  

   Call 1800 789 121

  Email the friendly team or

  Enquire online through HCF corporate. You'll need your member card to get started. 

A little more about our partner.

HCF is Australia's largest not-for-profit health fund. Since 1932, they've helped over 1.6 million Australians lead healthier lives and get the most from the healthcare system. Plus, they're the most trusted health fund two years running.* Now that's uncommon care. 

 

Find out more about HCF

Not a member? Join now.

Common questions

  • Who are HCF?

    HCF (Hospitals Contribution Fund of Australia) was formed in 1932 and is now Australia’s largest not-for profit private health fund provider. They provide 1.6 million Australians with cover. In 2018 and 2019, market research company Roy Morgan asked 10,000 Australians to nominate the brands they trust and distrust. HCF was recognised as Australia’s most trusted private health provider both years. Canstar also awarded HCF a National Award for Outstanding Value in Health Insurance in 2018.

    Find out more about HCF here. 

  • Why HCF?

    • Australia’s largest not-for-profit health fund because more than 1.7 million people choose HCF as their health partner.
    • Award winning value: HCF are the only health insurer awarded for Outstanding Value three years in a row in Tasmania. They’ve won on Hospital, Extras and packed Hospital and Extras cover.
    • 100% back on popular extras: See an extras provider in the HCF network to get 100% back on a dental check-up or first visit to a physio, chiro or osteo*.
    • Australia’s most trusted health fund: HCF were recognised as Australia's most trusted health fund by Roy Morgan Net Trust survey for 2 years running^.
    • More money back: For every dollar members paid in premiums over the last 5 years, they’ve given them back more in benefits than the industry average.#
    • Kids go free: Believe it or not, if you have 1 child or many, the cost of your family cover with HCF stays the same. You also pay $0 excess for kids, no matter how many times they go to hospital. Excludes Accident Only Basic cover.
    • Free second opinion: They’ll connect you to a network of medical specialists for a free second opinion on a health condition you’re worried about.~
  • Why switch your health fund to HCF?

    • Switching your health fund to HCF is fast – and uncomplicated: it takes less than 15 minutes to choose the cover that works for you and fill in an application. HCF will take care of the rest – and that includes liaising with your previous fund, so you don’t have to.
    • No need to re-serve waiting periods for benefits previously covered
    • Obligation-free health fund cover check up
    • Get a 30-day money-back cooling off period
    • Switch at any time of the year
  • What kind of policy do I have to take out with HCF to be eligible to receive the cashback offer?

    To be eligible to receive the HCF cashback offer you need to be: 

    • A current RACT member
    • Not have been an HCF member two months prior to taking up the offer 
    • Sign up to a combined Hospital & Extras policy
    • Maintain your policy for three months
    • Have a valid email address
  • How much cashback will I receive?

    An eligible RACT member taking out a Single Hospital & Extras policy will receive $150 cashback.

    An eligible RACT member taking out a Family, Couple or Single Parent Hospital & Extras policy will receive $300 cashback.

  • When will I receive the cashback?

    You will receive your payment 6 weeks after your 3rd month premium has been received by HCF. HCF will send you an email to redeem your cashback offer. You will need to provide your bank account details to HCF in order for them to make the Electronic Funds Transfer (EFT) payment. Limited to 1 EFT payment per policy.

  • *Offer T&Cs
    $300 EFT voucher for Family, Couple, or Single parent memberships purchased through RACT. 
    $150 EFT voucher for Single memberships purchased through RACT. Payment will be made by direct deposit up to six weeks after paying your first three months’ premium. HCF will send you an email to redeem your EFT payment and you must provide your bank account details within 90 days to redeem the offer. You must not have been an HCF member two months prior to offer, must provide a valid email address and maintain and pay for the policy for three months. Limit 1 EFT payment per policy.

    *Roy Morgan Net Trust Survey 2018 and 2019.

    Why HCF? T&Cs

    *This depends on your level of cover and annual limits. 100% back on physio, chiro or osteo is only available on some products.

    ^Roy Morgan Net Trust Survey 2018 and 2019. 2020 survey did not take place.

    #90% compared to 86% across the industry. Calculated based on the average of the past 5 years, sourced from APRA, APRA, Statistics: Private Health Insurance Operations Report 2016-20, June 2020.

    ~You must have had hospital cover for 12 months and a specialist consultation to use this service. Excludes Accident Only Basic cover, conditions apply.