Get 6 weeks free when you join hospital and extras cover^.
Enjoy 100% back* on extras like dental check-ups and other popular extras.
Offers basic extras cover with a single limit plus an additional optical limit.
HCF has been around since 1932, and it's the biggest not-for-profit health insurer in Australia. The benefit of joining HCF is that they're not all about making a profit. Instead, any profit they make gets funnelled right back into making their services better and keeping your costs low.
HCF health insurance policies
How to become an HCF health insurance memberWhy Choose HCF
- Enjoy 100% back* on extras like dental check-ups and other popular extras through our No-Gap network
- Offers My Flex Extra – basic Extras cover with a single limit plus an additional optical limit that helps you get more back on the extras you’ll actually use.
- Enjoy 6 weeks free when you join hospital and extras cover^
HCF Health Insurance Policies
HCF offers a range of health insurance policies, from singles health insurance policies to couples policies, family policies and senior policies. Choose from hospital cover, extras cover, or combined hospital & extras cover.Hospital Cover
Based on a single person living in Victoria, under 65 with annual salary <$93,000
- Accident Only Basic: Just as the name suggests, this one’s purely for accidental injuries.
- Hospital Bronze Plus: Covers you for joint fixes, as well as issues with your kidney, bladder, and digestive system.
- Hospital Standard Silver Plus: Expands to cover your heart, blood vessels, and back, neck, and spine problems.
- Hospital Silver Plus: Kicks it up a notch by including things like cataract treatments and joint replacements.
- Hospital Premium Gold: This is the all-in-one package. Think pregnancy, fertility treatments, and psychiatric services.
- My Future Basic Plus Hospital: Special plan that includes joint repairs, hernia and appendix treatments, and dental surgery. You've got to pair this with My Future Extras though.
Extras Cover
Based on a single person living in Victoria, under 65 with annual salary <$93,000
- Starter Extras: Perfect for beginners—covers one dental check per year and a few therapies.
- Starter Extras (with optical): Adds in eyewear like glasses and contact.
- Mid Extras: Two dental checks a year and eyeglasses, but without the extra lens features. Also offers a range of therapies.
- Vital Extras: This one’s pretty loaded. Full access to HCF’s no-gap services and your limits go up every year you stay.
- Top Extras: The ultimate package with the highest annual limits, and yup, those limits increase every year.
- My Future 250/500/750 Extras: These are specific to the My Future Basic Plus Hospital plan, offering different combined limits for stuff like eyewear and therapies. Plus, you get teeth whitening!
