We're giving back an additional $176 million in COVID-19 claims savings. It’s just another way we’re putting our money where our members are to help ease cost of living pressures.

If you're eligible to receive the additional cashback, it will be deposited in the bank account you've nominated to receive your claims benefits.

Learn more


At HCF, our focus is where it should be – on providing great value insurance for our members.

That's why we're pleased to announce we've won 11 awards at this year’s Canstar’s Health Insurance Awards, including the highly coveted Outstanding Value Award for Health Insurance for the 8th year in a row (2016-2023).

We were also recognised for continuing to provide outstanding value across Extras and Package State Awards, including:

  • Extras Insurance Award – NSW, Vic, Qld and Tas
  • Hospital & Extras Insurance Award – Vic, Qld, WA, SA, Tas and NT

We’re proud that our cover has been recognised by independent review body Canstar for meeting Australians’ needs and budgets. Just another way we’re putting our money where our members are ++ .

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Our industry-leading health and wellbeing programs are pretty uncommon, helping members live happier, healthier lives.

Leading Mental Health Programs

Access a range of holistic mental health and wellbeing programs providing eligible members with access to the right support, at the right time - that's Uncommon Care.

100% Back on Extras

You can get 100% back * on a dental check-up or first visit to a physio, chiro or osteo when you see an extras provider in our No-Gap network.


Our Dental Centres provide high-quality treatment at affordable rates for a whole range of dentistry needs for you and your family.


As Australia’s largest not-for-profit health fund, we recognise the crucial role we play in helping to make a positive health impact for our members, people and communities.

To help deliver on our social mission to build healthier communities, we’ve established a 3-year major national partnership with the Royal Flying Doctor Service. Together, we’re committed to improving healthcare access and outcomes for rural and remote communities through the delivery of essential healthcare and services to every corner of Australia.

Learn more

Empowering women to take charge of their health

Managing good health and making informed decisions starts with the right information.

Our Women's Health Hub gives you practical information and real-life stories to take charge of your health and wellbeing, covering topics like endometriosis, fertility, mental health, fitness, sexuality, pregnancy and menopause.

Explore now


Join host Alison Brahe-Daddo as she chats with leading experts to unpack the experience of perimenopause and menopause, including ways to manage your symptoms, how to navigate your career, mental health and relationships during this time, as well as the joys of life post-menopause.

Listen here


Flip offers quick and simple cover that gives you choice over when and where you're covered. Members can choose a single day of cover or a weekly subscription and cancel anytime. It’s designed to give you a cash payout if you have an accident in Australia or New Zealand while your cover is active, with no waiting period or cancellation fees ^ .
Learn more

HCF's My Membership App

The My Membership app is your health companion in your pocket.

You can check what you're covered for, access HCF Thank You rewards, and use your digital membership card to claim extras on the spot.

Download from the App store or Google Play .


We want our members to get the most value from their health cover, which is why we created our reward and recognition program, HCF Thank You. Members can access a range of exclusive offers, discounted e-Gift cards and benefits designed to reward them choosing and sticking with us + . Here are just some examples of our recent offers:

  • 3% Off Woolworths e-Gift Cards +
  • 4% Off JB Hi-fi e-Gift Cards +
  • 3% Off Harvey Norman e-Gift Cards +
  • 7% Off Rebel e-Gift Cards +
Log in to online member services

2024澳洲幸运5开奖直播软件-168官网历史开奖号码查询 HCF AND RT HEALTH STRONGER TOGETHER

We've merged with not-for-profit fund rt Health, bringing two leading mutual health funds together as one.

Ways to connect with us


The My Membership app is the easiest way to stay on top of your health insurance admin.


Managing your account on the go is easy with our online member services tool.


We’re open: Mon to Fri 8am to 8pm, Sat 9am to 5pm (AEST/AEDT).
Call 13 13 34 .


Visit your nearest branch for health insurance advice, claiming, joining and more.

Important Information

~ T&Cs apply. Competition ends 13 December 2023. Authorised under SA Licence No. T23/1687, ACT Permit No. T 23/02180, NSW Authority No. TP/03056. Full T&Cs can be found here .

*100% back through More for You providers in our No-Gap network is available on selected covers. Waiting periods and annual limits apply. Providers are subject to change. We recommend that you confirm the provider prior to your appointment. See hcf.com.au/100back

^ Flip advice is general in nature. We don’t take into account your personal circumstances, so please consider how appropriate it is for you before purchasing. Read ourPDS, FSG and TMD available at getflip.com.au before purchasing, too. HCF Life Insurance Company Pty Ltd (HCF Life) is the issuer of Flip Insurance. Flip Insurance PtyLtd (Flip Insurance) is a wholly owned subsidiary and authorised representative of HCF Life. HCF Life is a wholly owned subsidiary of The Hospitals Contribution Fundof Australia Limited (HCF), and acts on its own behalf. Premiums for Flip cover are paid to HCF Life. HCF receives commission of 80% of HCF Life’s underwriting profiteach year calculated as premiums less claims and expenses. Flip Insurance may receive remuneration from HCF Life for the financial services it provides in relation toFlip cover. Flip Insurance and HCF Life employees receive a salary, paid by HCF Life, for the financial services they provide in relation to Flip cover. In addition, HCF, HCF Life and Flip Insurance employees may also receive an incentive depending on the total revenue and profitability of Flip products, and for meeting their complianceobligations. This remuneration is provided on a discretionary basis and may vary from time to time.

+ Eligibility criteria applies. You can access HCF Thank You offers after you’ve been a member for a week, and if your premiums are up to date. Excludes Ambulance Only and Overseas Visitors Health Cover. Offers and partners are subject to change without advance notice. See the HCF Thank You Terms available at hcf.com.au

++ Based on number of Canstar National and State based Health Insurance Awards from 2008 to 2023. Outstanding Value Health Insurance 8 years in a row (2016-23). Winner of the 2023 Extras Insurance Award in NSW, Vic, Qld and Tas, and the Hospital and Extras Insurance Award in Vic, Qld, WA, SA, NT and Tas.

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