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.

GM, Research
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Basic+
$750
$103
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Join Directly On Eligible Cover & Get Up To 12 Weeks Free T&Cs apply. New members only. Ends 31 July. 12 weeks free applied over 2 years (3 years for annual payers).
Psychiatric services
Rehabilitation
General dental
Physiotherapy
Basic+
$750
$105
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Want up to 8 weeks free? For new joins by Aug 28 who maintain eligible combined hospital & extras. T&Cs apply. Learn more.
Psychiatric services
Rehabilitation
General dental
Physiotherapy
Bronze
$750
$135
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Waits on Dental? No way! 2&6 month waits waived on extras on combined hospital and extras cover.* Offer ends 17 August 2025. *T&C's apply.
Psychiatric services
Rehabilitation
General dental
Physiotherapy
Basic
$750
$109
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Want up to 12 weeks free & up to $500 in gift cards? Offer ends 15 July 2025. New members only. T&Cs apply.
Psychiatric services
Rehabilitation
General dental
Physiotherapy
Basic+
$750
$109
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Get up to 14 weeks FREE. For new members who join by 28 August and maintain hospital and extras cover. T&Cs apply.
Psychiatric services
Rehabilitation
General dental
Physiotherapy
Bronze+
$750
$110
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Winner of Canstar's Outstanding Value Health Insurance 9 years running and winner of more Canstar Awards than any other Health Fund in 2024.
Psychiatric services
Rehabilitation
General dental
Physiotherapy
Basic+
$750
$106
Psychiatric services
Rehabilitation
General dental
Physiotherapy
Bronze+
$750
$160
Psychiatric services
Rehabilitation
General dental
Physiotherapy
Silver+
$750
$134
Psychiatric services
Rehabilitation
General dental
Physiotherapy

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Unsure of a term in the above table? View glossary

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.

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Get up to 14 weeks FREE. For new members who join by 17 July and maintain hospital and extras cover. T&Cs apply.
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Mix and match hospital & extras cover to suit your needs
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Switching to HBF is easy – do it online today!
Australian Financial Services Licence 227681. See Terms & Conditions.
Australian Financial Services Licence 227681. See Terms & Conditions.

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

At the time of writing, HCF does not offer Overseas Student Health Cover (OSHC). If you are an international student currently in Australia on a study visa or are planning to do so in the future, you may like to read Canstar’s guide to OSHC.

At the time of writing, HCF does offer Working Visa Health Cover (also known as Overseas Visitors Health Cover or OVHC). Keep in mind, if you’re on an overseas visa and are from a country with a reciprocal healthcare agreement, you could be eligible for another local policy.

You can manage your HCF health insurance policy by logging into the online member services portal on the HCF website, or via the My Membership app. From here, you’ll be able to see details of your coverage, make an extras or ambulance claim, manage your payments and access rewards.

Once you’ve received medical treatment or made a purchase covered by your policy, the next step is to make a claim. You can claim on the spot at the appointment if you have your membership card on you. You can also claim online or on the go via the My Membership app or HCF’s online member services portal. Alternatively, you can claim at an HCF branch or by post with a completed claim form. Contact HCF or visit the HCF website if you need assistance.

Latest in health insurance

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.

Canstar's Health Insurance Awards

About the authors

Nick Whiting, Content Producer

Nick Whiting
Nick is a Content Producer at Canstar, providing assistance to Canstar's Editorial Finance Team in its mission to empower consumers to take control of their finances. He has written hundreds of articles for Canstar across all key finance topics. Coming from a screenwriting background, Nick completed a Bachelor of Film, Television and New Media Production from Queensland University of Technology. Nick has also completed RG 146 (Tier 1), making him compliant to provide general advice for general insurance products like car, home, travel and health insurance, as well as giving him knowledge of investment options such as shares, derivatives, futures, managed investments, currencies and commodities. Nick’s role at Canstar allows him to combine his love of the written word with his interest in finance, having learned the art of share trading from his late grandfather. Nick strives to deliver clear and straightforward content that helps the everyday consumer navigating the world of finance. Nick is also working on a TV series in his spare time. You can connect with Nick on LinkedIn.

Joshua Sale, GM, Research

Joshua Sale

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 Reviewnews.com.au and Money Magazine.

You can follow Josh on LinkedIn, and Canstar on X and Facebook.

Important information

For those that love the detail

This advice is general and has not taken into account your objectives, financial situation or needs. Consider whether this advice is right for you.

Canstar may earn a fee from its Online Partners for referrals from its website tables, and from sponsorship or promotion of certain products. Fees payable by product providers for referrals and sponsorship or promotion may vary between providers, website position, and revenue model. Sponsorship/promotion fees may be higher than referral fees. If a product is sponsored or promoted, it’s an ad and it is clearly marked as such. An ad might appear in different places on our website, such as in comparison tables and articles. Ads may be displayed in a fixed position in a table, regardless of the product's rating, price or other attributes. The location of an ad doesn’t indicate any ranking or rating by Canstar. Payment of fees for ads does not influence our Star Ratings. See How We Get Paid to find out more. Payment of fees for ads does not influence our Star Ratings or Awards.

If you click a 'book a call' button you will be redirected to ItsMyGroup Pty Ltd (ABN 85 167 289 965). If you book a call, you will deal directly with ItsMyGroup who will provide you with information and advice about health insurance policies. You will be speaking with an employee or agent of ItsMyGroup not Canstar. Canstar is not responsible to you for any advice ItsMyHealth provides to you. If you make a decision to enter into a health insurance policy, you are responsible for all fees payable in relation to that policy. Before applying for any health insurance policy, you should read and understand the product information. Consider the Product Summary to obtain full details of inclusions, exclusions, waiting periods and all limits that may apply.

Canstar is not providing a recommendation for your individual circumstances. We cannot and do not recommend that any particular product is suitable for you. 

We provide links to our Online Partners. These are brands that may pay Canstar a fee for referring you. Our tables default to display only our Online Partners’ products initially, you can adjust the Online Partner Filter to see all of the products available for comparison on Canstar’s website. We provide these links so that you can click through to the product provider’s website to get more information. The provision of these links does not constitute a recommendation by Canstar.

Any advice on this page is general and has not taken into account your objectives, financial situation or needs. Consider whether this general advice is right for your personal circumstances. You may need advice from a qualified adviser. Canstar is not providing a recommendation for your individual circumstances. If you decide to apply for an insurance policy, you will deal directly with the provider, not with Canstar.  It’s important you check product information directly with the provider. Consider the Product Disclosure Statement before making a purchase decision. For more information, read our Detailed Disclosure.

The Health Insurance Star Ratings were awarded in November 2024 and data in the table is current as at that date, updated from time to time to reflect product changes notified to us by product issuers. The results don’t include every provider in the market and we may not compare all features relevant to you. You can find a description of the initial sort order below the table. You can use the sort buttons at the top of each column to re-order the display. Learn more about our Health Insurance Star Rating Methodology. The rating shown is only one factor to take into account when considering products.

The products and Star Ratings in the table might not match your exact inputs in the selector. Sometimes the methodology uses profiles with categories or bands (e.g. income, loan amount or monthly spend), but sometimes a single methodology, without any categories or bands, is applied. The results will show the products that most closely match your selection, based on our profiles. If you are unsure about any terms used in the comparison table please refer to the glossary.

Companies listed in the table, or in ads, may use or be used by another company to arrange, issue, distribute or sell its insurance policies to customers. For more information on the issuer of the policy, please read the Product Disclosure Statement.

If you are seeking to replace an insurance policy, you should consider your personal circumstances, including continuing the existing cover until the replacement policy is issued and cover confirmed. Your current policy may have different features to products currently on the market. Please consider what features are right for you when comparing insurance products and refer to the provider for further details on a policy.

What is a Target Market Determination?

A Target Market Determination (‘TMD’) is a document that explains which people particular financial products may be suitable for (the target market) and sets out any conditions around how financial products can be distributed to consumers.

Why do product issuers provide Target Market Determinations?

From 5 October 2021, TMDs are compulsory for most financial products.

Issuers and distributors of financial products must take reasonable steps that are likely to result in financial products reaching consumers in the target market defined by the product issuer.

We recommend that you consider the TMD before making a purchase decision. Contact the product issuer directly for a copy of the TMD.