As a not-for-profit health fund, we’ll keep working hard for you so you can enjoy more benefits, more cover and more savings.

HCF

We’re not-for-profit and return more in benefits

• HCF is not-for-profit, so members get more, not shareholders.

• HCF has been returning more in benefits than the industry average every year for the past 5 years.

• Last year we paid back 90 cents in the dollar as benefits vs. an industry average of only 85 cents.

More benefits for the services you use most

• Generous benefits for dental, optical, physiotherapy and chiropractic services.

• Seven HCF Sydney Dental Centres and Eyecare Centres offering a range of no-gap services, saving you money.

• No-gap dental services through HCF’s Oral Health Program, saving you money. (Available to members in VIC, QLD, SA, ACT and regional NSW).

More cover for important hospital services

• All HCF Hospital products include cover for heart conditions, intensive care, coronary and neo-natal intensive care (unlike most other funds).

• Outstanding private hospital access.

• No waiting lists – our hospital cover will quickly get you into a private hospital should you need surgery or medical treatment.

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.

• Over 19,000 doctors with HCF no-gap arrangements.

• HCF has the best medical gap coverage of any fund.

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