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HCF
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HCF
How HCF gives members more
We’re not-for-profit and return more in benefits.
- HCF is not-for-profit, so members get more, not shareholders.
- For every dollar premium members pay, HCF consistently pays more back as benefits than the industry average.
- Last year we paid back 90 cents in the dollar from contributions as benefits vs. an industry average of only 84 cents – that’s 7% more.
More benefits for the services you use most.
- Generous benefits for dental, optical, physiotherapy and chiropractic services.
- Seven HCF Sydney Dental Centres offering a range of no-gap services, saving you money.
- Seven HCF Sydney Eyecare Centres offering a range of no-gap options, saving you money.
- No-gap dental services through HCF’s Oral Health Program, saving you money (regional NSW, ACT, Victoria and Queensland).
More cover for important hospital services.
- All HCF Hospital products cover services for heart conditions (unlike most other funds).
More savings.
- You’ll pay no hospital excess for accidents and same day surgery (unlike most other funds).
- Many funds charge up to $1,000 up-front for hospital excesses – our highest charge per night is just $50.
- HCF has the best medical gap coverage of any health fund – over 86% of services in 2006/07 were provided with no-gap.
- Over 16,500 doctors with HCF no-gap arrangements.
It’s why we’re different from other funds.