HCF Health Insurance
Australia's biggest not for profit health fund
You get more with HCF
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
- 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.
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.
More cover for important hospital services
All HCF Hospital products include cover for heart conditions, intensive and neo-natal intensive care (unlike most other funds).
… it’s how we’re different from other funds.
Health and Wellbeing Programs to enhance your membership
Provided to members at no extra cost, My Health Guardian is like having your very own health coach. Available to you are online dietary advice, exercise programs, health coaching and many other helpful tools that will help get you into great shape.
Healthy Weight for Life – Type 2 Diabetes & Heart Disease Programs
A structured 18 week, 3 phase weight loss action plan that teaches people the lifestyle skills they need to control their weight for life and in doing so, make a real difference in the management of heart disease and diabetes.
You can receive hospital treatment in the privacy and comfort of your own home rather than being admitted to hospital, or if you are already in hospital, you can avoid having a lengthy stay by continuing your treatment at home.
HCF encourages its members to maintain their dental care and offers no-gap diagnostic and preventative dental services through the HCF Oral Health Program and network of Dental Centres.
HCF's Eyecare Centres across Sydney have gained Quality in Practice Accreditation - a standard of quality endorsed by the Optometrists Association Australia. When you go to an Eyecare centre you can be assured that you are getting quality service and products at the best prices.