HCF Health Insurance

HCF health insurance

HCF is a provider of health insurance in Australia, as well as other products, including life, travel 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 and single parents. At the time of writing, HCF provides the following hospital, extras and combined hospital and extras products:

  • HCF hospital cover options: My Future Basic Plus Hospital (must be taken as part of a package, with options for a $750, $500 or $250 excess), Hospital Bronze Plus, Hospital Standard Silver Plus, Hospital Silver Plus, My Family Silver Plus (must be taken as part of a package), My Family Advanced Silver Plus (must be taken as part of a package), and Hospital Gold.
  • HCF extras cover options: Starter Extras, Starter Extras (with Optical), Mid 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.

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Health Insurance FAQs

If you decide to take out HCF health insurance, you can get a quote on its website or over the phone. You can also purchase a policy at one of its branches. You’ll need to select your desired policy inclusions and extras. If you request hospital cover as part of your policy, you may be asked what tier of hospital cover you would like.

Before taking out a health insurance policy, you may first want to compare your options with Canstar.

Compare Health Insurance with Canstar

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 will be able to see details of your coverage, make an extras or ambulance claim, manage your payments and access rewards.

At the time of writing, all of HCF’s extras policies include at least some cover for general dental. HCF’s Mid 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 cover for dental surgery.

Yes, at the time of writing all of HCF’s extras policies include physio cover. The exact amount of cover and the limits that apply will depend on the policy you choose.

HCF’s options for pregnancy and birth cover include its Silver Plus, Advanced Silver Plus or Gold-level hospital policies, as well as any hospital and extras packages that include hospital cover of Silver Plus or Gold.

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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.

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 can compare OSHC policies available in Australia with Canstar:

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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.

Compare OVHC policies on Canstar’s website:

Compare Working Visa Health Cover

HCF was established over 85 years ago and is best known as being a provider of health insurance. 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 and pet insurance.

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This content was reviewed as part of our fact-checking process.

Written by: Jacqueline Belesky | Last updated: October 15, 2021