Family and children playing on beach
Member value

Thinking about switching your health cover?

Switch to HCF in under 15 minutes to experience why they’re recognised as Australia’s most trusted health fund 3 years in a row*.

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.

  • No need to re-serve waiting periods for benefits previously covered.~

  • Obligation-free health cover check up.

  • Get a 30-day money-back cooling off period^.

  • Switch at any time of the year.

Switching your health cover to HCF is quick and simple. It takes less than 15 minutes to choose the cover that works for you and complete an application.

We’ll take care of the rest – including communicating with your previous fund, so you don’t have to. You'll have full continuity of cover, which means if you need to visit one of Australia's private hospitals, you'll remain covered.


Members get up to $300 cashback+ when you take out Hospital & Extras cover with HCF and stay for three months.

More reasons to join HCF

Delivering real value
As Australia’s largest not-for-profit health fund, our member-driven approach helps us keep premiums affordable, reward members for their loyalty and make quality care more accessible to more people. In 2020, HCF was the only health insurer awarded Outstanding Value in Tasmania, by Canstar.

More money back
For every dollar our members pay in premiums, we’ve paid out more benefits than the industry average over the last 5 years#.

We’re here for you
Proudly Australian owned and run, we’re delivering value and peace of mind for over 1.7 million Australians who trust us to be there when it matters most.

100% back on some extras
See an extras provider in our network to get 100% back on a dental check-up or first visit to a physio, chiro or osteo**.

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 – this is the maximum amount you can claim each year. Annual limits reset on 1 January annually. There are a few exceptions which, depending on your cover, may be claimable every 1 to 3 years – such as hearing aids, dentures and some artificial appliances. Orthodontics has a life-time limit.

Understand what you’re covered for

Make sure you know which 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.^^