Hospital cover gives you choices – you can decide who treats you and where you’re treated.
- Hospital cover enables you to choose your doctor and hospital
- Our members can save money by choosing HCF-participating providers
- You can evaluate hospitals through our online comparison tool
Choosing a doctor
You might follow the recommendation of your GP or specialist, or you may want to carry out your own research. Each medical specialty has a governing body, which can be a good starting point for finding a consultant.
Out-of-pocket medical costs may be another deciding factor – if your entitlements don't cover your doctor’s fees you could end up having to pay the difference, known as 'the gap'.
Our members can avoid large gap payments by choosing a doctor who participates in the HCF Medicover scheme. To find one, go to Find a participating provider.
Choosing a hospital
If you’ve already chosen a doctor, they’ll tell you which hospitals they operate out of, but again gap payments may be an issue. Our members can get gap-free treatment (for services listed on their policies) at HCF-participating hospitals. To find one, go to Participating hospitals.
You can compare data from many Australian hospitals through our Hospital safety & quality search tool.