Member offers & discounts

HCF thank you

As Australia’s largest not-for-profit health fund, we exist for the benefit of our members. HCF Thank You is designed to recognise your loyalty and show you our appreciation for choosing us. After your first week of membership, and provided your policy payments are up to date, you’ll get access to a growing range of special rewards and offers. The longer you’re with us, the more ways we can say thank you#.


Planning your next holiday? HCF members can save 25% on travel insurance+ when you use our discount code^.

Pet insurance

HCF members can save up to 15% on cover that matches your pet’s life-stage and needs.**


As part of recent healthcare changes, Medicare is limiting who can get bulk-billed GP telehealth sessions. If you're an HCF member and Medicare doesn't cover you for bulk-billed GP2U consultations, we will^^. If you're not eligible for Medicare we may be able to give you free access to online GP2U consultations until at least 30 June 2022.

Important Information

#Excludes Ambulance Only and Overseas Visitors Cover. HCF Thank You program and offer terms and conditions apply.

+The Hospitals Contribution Fund of Australia Ltd ABN 68 000 026 746 AFSL 241414 (HCF) arranges this insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz). Travel insurance is issued and managed by AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 trading as Allianz Global Assistance (AGA) for the insurer Allianz. Terms, conditions, limits and exclusions apply. HCF, Allianz and AGA do not provide any advice on this insurance based on any consideration of your objectives, financial situation or needs. Because of that, you should consider whether the advice is appropriate for you. Before making a decision please consider the Product Disclosure Statement, the Financial Services Guide and Target Market Determination (TMD). The TMD is available at If you purchase a policy, HCF and AGA receive a commission which is a percentage of your premium - ask us for more details before we provide you with services.

^25% discount is the total discount on offer for the product, based on standard premium rates. It applies automatically upon successful input of the discount code to premiums for all plans, including policy add-ons. Cannot be used in conjunction with, or in addition to any other discounts. No additional discounts will be provided to Members who already receive a Member discount. Please contact us for more information.

**Existing HCF Pet Insurance policies will have the discount automatically applied at renewal. Manchester Unity Pet Insurance policies are not eligible for any discounts. HCF Pet Insurance is issued by The Hollard Insurance Company Pty Ltd ABN 78 090 584 473; AFSL 241436, is promoted and distributed by The Hospitals Contribution Fund of Australia Limited ABN 68 000 026 746, AFSL 241414, and arranged and administered by PetSure (Australia) Pty Ltd ABN 95 075 949 923, AFSL 420183. HCF Pet Insurance is not part of HCF's health insurance business. Please do not assume that pet insurance and health insurance are similar. Any advice provided is general only and does not take into account your individual objectives, financial situation or needs. Please consider the Product Disclosure Statement (PDS) and Target Market Determination (TMD) to ensure this product meets your needs before purchasing. HCF may receive a commission of up to 17% of the premium for promoting HCF Pet Insurance Policies stated in the PDS for each policy issued. This commission is used by HCF to cover costs associated with the marketing and distribution of this product to you and may include any referral fees to people or organisations that refer new customers to HCF. HCF sales agents are paid a salary or wages but do not receive a commission or other payments attributable to the sale of HCF Pet Insurance.

^^We'll only pay for GP2U consultations for HCF members who are not eligible for GP2U's bulk-billed telehealth consultations through Medicare. You may also be able to access bulk-billed online GP services with your current GP.