Mum and Dad playing with their son.
Member value

Thinking about switching your health cover?

Switch to HCF in under 15 minutes for uncommon care and see what the 'un' is about.

As Australia’s largest not-for-profit health fund, HCF goes above and beyond to put their members before profit. They put the 1.7 million members they cover at the heart of everything they do and their members health before anything else.

  • Switch your health fund to HCF at any time in under 15 minutes.

  • Don’t re-serve waiting periods for benefits previously covered*.

  • Use an obligation-free health cover check-up to assess if you’re on the right level of hospital or extras cover.

  • Get your money back if you change your mind and cancel your policy within 30-days^.

RACT members get up to $300 cashback+ when you take out hospital & extras cover with HCF and stay for 3 months.

When you switch your health cover to HCF it's quick and simple. Choose the cover that works for you and fill in an application. They’ll take care of the rest – including getting in touch with your previous fund, so you don’t have to.

More reasons to join HCF

Delivering real value

As Australia’s largest not-for-profit health fund, HCF’s member-driven approach helps them keep premiums affordable, reward members for their loyalty and make quality care more accessible to more people. HCF has been awarded the National Award for Outstanding Value Health Insurance by Canstar 6 years in a row#.

More money back

For every dollar HCF members pay in premiums, they’ve paid out more benefits than the industry average over a 6 year period**.

They're here for you

Proudly Australian owned and run they're always ready to help you with award-winning local call centres that you can count on to show you a level of care that's uncommon. HCF have been recognised for customer service excellence with awards from the Customer Service Institute of Australia for the last 9 years in a row.   

100% back on popular extras

See an extras provider in HCF’s No-Gap provider network to get 100% back^^ on a dental check-up or first visit to a physio, chiro or osteo. Visit HCF 100 back.

Understanding extras cover

Looking after your health is easier when you have extras cover. Here’s how you can get more value from your HCF membership.

Know when your limits reset

Most treatments and services have annual limits – the maximum you can claim – which refresh on 1 January every year. There are a few exceptions which, depending on your cover, may be claimable every 1 to 3 years, like hearing aids, dentures and some artificial appliances. Orthodontics has a life-time limit.

Understand what you're covered for

Make sure you know what treatments and services you’re covered for and how much you can claim. Understanding your cover will help you avoid unexpected costs, keep on top of your health and make sure you’re getting the most value out of your cover.

Be proactive about your health

On certain levels of extras cover, you may be eligible to claim for a range of health and wellbeing programs, under your Health Management benefit. These include weight management, exercise classes and gym memberships, childbirth education and breastfeeding support and more++.

Arrange a call at a time that works for you

Request a call back

Switching is easy

Once you've filled in an application, HCF will take care of the rest – that includes liaising with your previous fund, so you don’t have to.