• We're not-for-profit, so members get more, not shareholders.
• We consistently return more in benefits than the industry average.

More benefits and savings

• More benefits for dental and optical services than the industry average.
• Seven HCF Sydney Dental and Eyecare Centres offering many no-charge services and products, saving you money.
• No charge for basic dental services through HCF’s Oral Health Program, saving you money (regional NSW, ACT, VIC, QLD and SA).
• If hospitalised, you only pay an excess once per person per year, and dependant children are exempt (unlike most other funds).
• You won’t pay any excess for accidents and same day surgery (unlike most other funds).
• HCF has the best no-gap medical coverage of any major health fund in mainland Australia.

My Health Guardian

Our new health and wellbeing program, My Health Guardian is provided to members at no extra cost. Online dietary advice, exercise programs and health coaching are just some of the many helpful online tools available. It's like having your very own health coach 24 hours a day!
Find out more

Healthy Weight for Life – Type 2 Diabetes & Heart Disease Programs

A structured 18 week, 3 phase weight loss action plan which teaches people the lifestyle skills they need to control their weight for life. It does not however replace the advice given by your own healthcare professional or medical practitioner.

Find out more about the Heart Disease Program

Find out more about the Type 2 Diabetes Program

Oral Health Program

We offer a range of no-gap diagnostic and preventative dental services through our HCF Oral Health Program. There are currently over 1,800 providers registered on the HCF Oral Health Program across VIC, QLD, SA, ACT and regional NSW.

Find out more about HCF and download health insurance policy brochures and forms.

Corporate information

HCF annual report 2009

HCF annual report 2008

HCF Foundation

Media releases

Download gallery

HCF brochure

HCF forms

HCF health insurance policy brochures