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Health Cover That Works for You

  • Winner of Canstar’s Outstanding Value Health Insurance 2016-2021*
  • 100% back on selected dental services through our no-gap network^
  • Access to a range of mental health services including video and online support+
  • Freezing premiums at current rates until 1 November 2022
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Australia’s Largest Not-for-profit Health Fund

Winner of Canstar’s Outstanding Value Health Insurance by Canstar 6 years running*.

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  • Free second opinion
    We’ll connect you to a network of medical specialists for a free second opinion on a health condition you’re worried about~.
  • 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^.
  • We're here for you
    Run by Aussies, for Aussies – those born here and those who've decided to call it home. We're here to help you with award-winning# local call centres and branches across the country.
  • My Membership app
    Take full control of your health cover with our My Membership app.
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Apply online to move health funds and join HCF in 3 simple steps.

  1. Choose the hospital or extras cover that works for you
  2. Complete your health cover quote and application (don't forget the Interfund Transfer section)
  3. We'll do the rest (including liaising with your previous health fund so you don't have to)
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Matthew’s world turned upside down with this testicular cancer diagnosis. Luckily he had access to Chemo@Home as part of his HCF health cover, so he didn’t have to go to hospital and was treated from the comfort of his lounge.

Whenever we can, we want to give members like Matthew the choice of how they're treated.

“We just assumed he'd have to have chemo somewhere and have to travel... then they said they were going to do it at home and it was just such a relief.”

We’re always looking for ways show our members Uncommon Care, like saving Matthew and his family the long distance travel and hospital visits.

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Call Our Team of Experts About Health Cover Today

  • We've been recognised with a Customer Service Institute Award for 9 years#.
  • Because we're not for profit, our health insurance experts are here to advise based on the cover you actually need
  • We answer 3,000 calls a day helping people with their health cover questions**

Call us: 13 13 34 Get a quote

Important Information

*Canstar 6 years in a row for 2016-2021. We were also recognised for; Hospital cover in NSW, NT, Qld, SA, WA & Tas. Extras cover in NSW, NT, Tas and WA. Hospital & Extras package in NSW, SA, NT, Tas and WA.

^100% back from providers in our No-Gap network is available on selected covers. Waiting periods and annual limits apply. See

+Available on eligible cover held for 12 months. Other criteria apply.

**Based on an annual total averaged across 365 days a year (HCF Year in Review – Financial Review 2019)

#CSIA: Recognised 9 years 2012-2020.

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

##89% compared to 86% across the industry. Calculated based on the average of the past 5 years, sourced from APRA, Statistics: Quarterly Private Health Insurance Statistics, June 2019; APRA, Statistics: Private Health Insurance Operations Report 2015-18, June 2018.