Investing in health cover is serious business, so let our review assist you in making the best decision for you and your family. It’s also a good idea to review and compare other health insurance companies so that you can be confident in your decision.

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Health Cover For* Single Female Single Male Couple Family with Kids Single Parent

Health Cover Type* Hospital Only Extras Only Hospital & Extras

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Health insurance HCF operates as a “not-for-profit”, or a “for members” provider. This simply means that they re-invest their profits back into the company to improve their product offering, provide additional savings opportunities and lower premiums.

HCF private health insurance packages and options

HCF offers 4 Hospital Cover policies, 5 Extras Cover policies, and 5 Package Cover policies. With their wide range of options, you can customize your cover or choose a policy that combines different treatments and services to suit your unique lifestyle.

Basic Hospital

The HCF Basic Hospital is their most affordable hospital policy. This product gives you cover for a wider range of treatments than most other insurers’ entry-level policies.

• Ideal if you’re on a tight budget and just need cover for basic hospital treatments in an HCF-affiliated private hospital.
• Covers emergency ambulance, accident-related treatments, rehabilitation services, cancer-related services (like chemotherapy), and psychiatric services, removal of tonsils, appendix, kidney stones, and digestive disorder procedures (like bowel surgery).
• Excludes cover for heart and spinal surgery (including diagnostic procedures), gastric banding and obesity surgery, assisted reproductive services (like IVF), and pregnancy and birth-related services.
• Minimum benefits are provided for rehabilitation services, psychiatric services, and joint investigations and reconstructions.

Mid Hospital

HCF’s Mid Hospital policy provides cover for some common procedures and includes a wider range of hospital treatments than their Basic option, with only a slightly higher premium.

• An affordable choice, whether you’re single, a single parent, or a couple that needs a bit more cover and wants to include pregnancy services.
• Covers everything listed in the Basic Hospital cover and also includes heart surgery, joint reconstruction, and pregnancy and birth-related services.
• Excludes cover for gastric banding and obesity surgery, cataract and other lens-related surgery, insulin pump treatments, and assisted reproductive services (like IVF).
• Minimum benefits are provided for spinal surgery, rehabilitation services, psychiatric services, and pregnancy and birth-related services.

Mid Plus Hospital

The HCF Mid Plus Hospital policy provides moderately more cover than their Mid option and includes more complex procedures, like eye surgery.

• Provides cover for common and complex procedures but excludes pregnancy services.
• Includes the same services as Mid Hospital, like heart surgery and joint reconstruction, as well as more complex procedures, like spinal surgery, cataract surgery, and other lens-related surgeries.
• Excludes cover for gastric banding and obesity surgery, assisted reproductive services (like IVF), pregnancy and birth-related services, insulin pump treatments, and care involving dialysis for chronic renal failure.
• Minimum benefits are provided for psychiatric services and podiatric (foot) surgery.

Premium Hospital

For more comprehensive cover you can choose their Premium Hospital policy. This is HCF’s most expensive policy with the highest level of cover available. It is also their only policy with no exclusions and full cover for assisted reproductive services, pregnancy, and birth services.

• Perfect if you want total peace of mind knowing that you’re covered for almost every eventuality as a hospital patient.
• Cover includes all treatments and services, from emergency ambulance and cancer-related services (like chemotherapy) to eye surgery (including cataract surgery) and gastric banding and obesity surgery, as well as assisted reproductive services, pregnancy, and birth services.
• No exclusions.
• Minimum benefits provided for Podiatric (foot) surgery.

Bronze Extras

As HCF’s most affordable Extras policy, Bronze provides cover for the basic out-of-hospital treatments and services that you might need, from general dental to chiropractic treatment.

• Best for those that have a strict budget, are young and healthy, and only want cover for the basics.
• Includes cover for general dental (including 1 check-up, 1 scale and clean, and 1 fluoride treatment per year), physiotherapy, chiropractic/osteopathy, and a few therapies (like remedial massage, acupuncture, and a nutrition consultation).
• Excludes cover for major dental (like tooth extractions, oral surgery, and dentures), optical treatments (like glasses and contact lenses), and other therapies (like occupational therapy, podiatry, speech therapy, hearing aids, and more).
• Get 100% back on 1 dental check per year, although not available to Northern Territory and Tasmania residents.

Bronze Plus Extras

While on the surface, this appears to be the same as Bronze, HCF’s Bronze Plus Extras goes one step further and includes benefits for optical treatments.

• Bronze Plus is suited to the young and healthy who are budget conscious, while still allowing you to claim for optical treatments.
• Covers everything in the Bronze option, but with higher limits and added cover for simple tooth extractions and optical treatments (like glasses and contact lenses).
• Excludes a few therapies like occupational therapy, podiatry, speech therapy, hearing aids, and more. Also excludes major dental, for example, oral surgery and dentures.
• This policy gives you 100% back on 1 dental check per year, although this isn’t available to Northern Territory and Tasmania residents.

Silver Plus Extras

While this remains an affordable policy, the HCF Silver Plus Extras provides mid-level extras cover for a range of services and therapies. This allows you to benefit from higher annual benefit limits and cover for more services than either of the Bronze policies.

• Great for families and those wanting cover for more dental procedures, more therapies, and prescription glasses.
• Covers all general and most major dental services, from check-ups and cleanings to fillings and oral surgery, as well as optical treatments (like glasses and contact lenses), and a few more therapies, including physiotherapy, chiropractic, exercise physiology, osteopathy, remedial massage, acupuncture, and health management programs (HCF-approved exercise classes and weight management).
• Excludes cover for orthodontics, hearing aids, artificial aids (like glucose monitors), and a few therapies (including podiatry, dietetics, audiology, and speech pathology).
• You’ll receive 100% back on 2 dental checks per year, although this isn’t available to Northern Territory and Tasmania residents, and 100% back on certain spectacles and lenses, and free digital retinal imaging eye check.

Gold Extras

The HCF Gold Extras provides you with quality cover for comprehensive extras. This policy increases the benefit limits for a wide range of services for every year that you stay with HCF and maintain your Gold policy.

• Ideal if you want more extras services, or if you have a family and want comprehensive cover.
• Covers general and major dental services, with no annual limit for some treatments, as well as optical services (contact lenses and glasses), all therapies from physiotherapy and occupational therapy to remedial massage, acupuncture, and podiatry, as well as hearing aids, artificial aids (like blood glucose monitors), and health management programs (HCF approved exercise classes and weight management).
• No exclusions.
• This policy gives you 100% back on 2 dental checks per year (not available to Northern Territory and Tasmania residents), 100% back on an initial physiotherapy, chiropractic, osteopathy, and podiatry consultation, and 100% back on certain spectacles and lenses and free digital retinal imaging eye check.

Platinum Extras

The HCF Platinum Extras is their top level of extras cover and provides you with the highest level of cover and highest limits.

• Ideal for families, couples, and those who want total peace of mind knowing that they’ve got comprehensive cover for a wide range of extras.
• Includes everything that’s covered under Gold Extras, plus higher benefit limits.
• No exclusions.
• You get 100% back on 2 dental checks per year (not available to Northern Territory and Tasmania residents), 100% back on an initial physiotherapy, chiropractic, osteopathy, and podiatry consultation, and 100% back on certain spectacles and lenses and free digital retinal imaging eye check.

Young Singles and Couples Package

As a young single or couple, you can get affordable cover for services you are more likely to use by excluding those that you don’t, like pregnancy, birth, and assisted reproductive services.

Policies you can choose from:

• Basic Hospital + Bronze Plus Extras
• Young Starter Package
• Mid Hospital + Silver Plus Extras

Planning a Family Package

People who are planning a family have different health concerns, the most obvious of which includes pregnancy and birth-related services. HCF provides packages that specifically includes these services.

Policies you can choose from:

• Premium Hospital + Silver Plus Extras
• Premium Hospital + Gold Extras
• Premium Hospital + Platinum Extras

Family with Kids Package

Due to the varied nature of a family’s needs, HCF provides more comprehensive and affordable options for you to choose from.

Policies you can choose from:

• Basic Hospital + Silver Plus Extras
• Mid Hospital + Gold Extras
• Premium Hospital + Platinum Extras

No Pregnancy Package

The No Pregnancy Package from HCF is ideal for those who are looking for a more comprehensive level of health insurance but don’t need cover for pregnancy, like couples who have chosen not to have children, seniors, or families with older children.

Policies you can choose from:

• Mid Hospital + Silver Plus Extras
• Mid Plus Hospital + Gold Extras
• Mid Plus Hospital + Platinum Extras

Top Cover Package

The most expensive package is Top Cover, which takes the top Hospital policy and combines it with the most comprehensive Extras policies.

Policies you can choose from:

• Premium Hospital + Silver Plus Extras
• Premium Hospital + Gold Extras
• Premium Hospital + Platinum Extras

Other benefits include:

• Access to 35 000+ Specialist Doctors: With so many specialist doctors who participate in the HCF Medical Gap Cover scheme available for you to see, you’ll have little to no out-of-pocket expenses.
• Access to My Global Specialist: If you need a second opinion, you can get the best advice from a global network of 50 000+ medical experts.
• Access to My Health Guardian: This is HCF’s chronic disease management program, which provides telephonic and face-to-face support to help members with chronic diseases, like diabetes, to manage their condition and live healthier lives.
• Zero Excess: You won’t pay a hospital excess for children, or for yourself if you have been in an accident and are admitted to an HCF-participating hospital.

What HCF doesn’t cover | Exclusions

A list of HCF general exclusions, which applies to all their policies:

• Any claims made 2 years after the date of service.
• Any claims that fail to meet the HCF Fund Rules.
• Any claims you make for extras where you have already exceeded your limit.
• Any elective cosmetic surgery or emergency room fees.
• Any fees related to ambulance transfers between hospitals.
• Any medicine considered “take-home/discharge drugs”.
• Any nursing home or respite care fees.
• Any prostheses used for cosmetic reasons and where no Medicare benefit applies.
• Any services that aren’t received face-to-face, except for services received under a Chronic Disease Management Program or Health Management Program.
• Any treatments and services provided to you by a family member, business partner, or a provider that isn’t recognised by HCF.
• Any treatments and services you received from outside of Australia.
• Any treatments and services you received while your policy is in arrears, suspended, or within a waiting period.

HCF No Gap Services

One of the benefits of joining HCF is that they offer a range of fully covered services through their More for You provider network, depending on your Extras policy.

HCF No Gap services include:

• Your Back: The initial consultation with a participating chiropractor or osteopath (1 per calendar year) is fully covered.
• Your Eyes: Get a free digital retinal imaging with your eye test and 100% back on a range of prescription glasses – excluding add-ons, like high index material, coatings, and tinting.
• Your Feet: The initial consultation with a participating podiatrist (1 per calendar year) is fully covered.
• Your Hearing: Get up to 100% back or a valuable discount, on high-quality hearing aids from Blamey Saunders Hears, depending on your level of cover and entitlements.
• Your Muscles: The initial consultation with a participating physiotherapist (1 per calendar year) is fully covered.
• Your Teeth: Depending on your policy, you could get 1-2 fully covered check-ups per calendar year and 2 fully covered mouth guards (limits apply).

Before you get an HCF health insurance quote, make sure that you compare HCF’s wide range of products with other top health funds. This way, you’ll be confident that you are getting the best cover for your needs and budget.