HCF Health Insurance
The table below shows policies from our Online Partners, as well as the HCF health insurance policies currently listed on Canstar’s database.

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The initial results in the table above are sorted by Star Rating (High-Low) , then Monthly premium (approx) (Low-High) , then Provider Name (Alphabetical) . Additional filters may have been applied, which impact the results displayed in the table - filters can be applied or removed at any time.
About HCF Health Insurance
HCF was established over 90 years ago and is best known for being a not-for-profit health fund that provides private health insurance to Australian consumers. It opened its first branch in the late 1930s and by 1942 became known as the Hospitals Contribution Fund of NSW. HCF is also a provider of life, travel, home, car and pet insurance.
What health insurance products does HCF offer?
HCF’s health insurance policies are designed to suit a variety of life stages, including singles, couples, families, single parents and young adults. At the time of writing, HCF provides the following hospital, extras and combined hospital and extras products:
- HCF hospital cover options: Hospital Basic Plus, My Future Basic Plus Hospital (must be taken as part of a combined package), Hospital Bronze Plus, Hospital Standard Silver Plus, Hospital Silver Plus, My Family Silver Plus (must be taken as part of a combined package), My Family Advanced Silver Plus (must be taken as part of a combined package), and Hospital Optimal Gold.
- HCF extras cover options: Starter Extras, Starter Extras (with optical), Flex My Extras, Mid Extras, Choose My Extras, Vital Extras, Top Extras, My Future Extras, My Family Silver Plus Extras and My Family Advanced Silver Plus Extras.
- HCF combined cover options: HCF offers combined hospital and extras cover based on any combination of its hospital cover and extras packages, with the exception of its My Future and My Family product offerings which can only be taken as part of their applicable hospital and extras packages.
- HCF ambulance cover: Ambulance Only Cover (not available to residents of Tasmania or Queensland, who receive taxpayer-funded ambulance transport from their respective state governments).
Read more about what’s generally covered by Gold, Silver, Bronze and Basic hospital cover, as well as extras policies.
Can I get dental cover with HCF?
At the time of writing, all of HCF’s extras policies include some form of cover for general dental. HCF’s Mid Extras, Choose My Extras, Vital Extras, Top Extras, My Family Silver Plus Extras and My Family Advanced Silver Plus Extras also include cover for major dental. Additionally, all of HCF’s hospital policies currently include some form of cover for dental surgery.
Does HCF’s health insurance cover physio?
Yes, at the time of writing all of HCF’s extras policies include some form of cover for physiotherapy. The amount of cover that a policy provides and the limits that apply to it will depend on the specific policy.
Does HCF’s health insurance cover obstetrics?
HCF’s options for pregnancy and birth cover include its My Family Silver Plus Hospital, My Family Advanced Silver Plus and Optimal Gold hospital policies, as well as any hospital and extras packages that include the above hospital cover options.
How do I join HCF?
If you’re interested in joining HCF, you can compare the policy options using the comparison table above. If you decide to take out a HCF health insurance policy, you can get a quote by clicking on the ‘Get Quote’ button on the comparison table next to the policy of your choice.
Before taking out a health insurance policy, you may first want to compare your options with Canstar. If you would like to discuss your health insurance options, you can book a call with a health insurance professional or call 1300 383 982 (available Monday to Friday, 9am to 5pm AEST). It’s also important to read any relevant policy documentation, such as the Private Health Information Statement (PHIS) and Target Market Determination (TMD), for any policy you are considering.
Frequently Asked Questions about HCF Health Insurance
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Canstar Star Ratings and Awards
Looking for an award-winning product or to switch providers or brands? Canstar rates products based on price and features in our Star Ratings and Awards. Our expert Research team shares insights about which products offer 5-Star value and which providers offer outstanding value overall. We also reveal which providers have the most satisfied customers in our dedicated Customer Satisfaction Awards.
About the authors
Nick Whiting, Content Producer

Joshua Sale, GM, Research

As Canstar’s Group Manager, Research, Ratings & Product Data, Josh Sale is responsible for the methodology and delivery of Canstar’s Health Insurance Star Ratings and Awards. With tertiary qualifications in economics and finance, Josh has worked behind the scenes for the last five years to develop Star Ratings and Awards that help connect consumers with the right product for them.
Josh is passionate about helping consumers get hands-on with their finances. Josh has been interviewed by media outlets such as the Australian Financial Review, news.com.au and Money Magazine.
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This advice is general and has not taken into account your objectives, financial situation or needs. Consider whether this advice is right for you.