Member offers & discounts

HCF Thank You

As Australia’s largest not-for-profit health fund, we’re always looking for more ways to put our money where our members are, which is why we’ve created our reward and recognition program, HCF Thank You.

As a member, you’ll get access* to a range of exclusive offers, discounted e-Gift cards and benefits designed to thank you for choosing and sticking with us.

You could save on average up to $900 a year^ on e-Gift cards for essentials like groceries, fuel and entertainment that can help ease household pressures and offset the cost of your cover. You can also access discounts on HCF Pet and Travel Insurance# and selected pharmacy items.

Learn more


We’re committed to making healthcare more affordable. Our partnership with Ramsay Health Care is just one of the ways we’re helping members get more value from their health cover.

As an HCF member, you can receive a 5% discount+ on selected purchases at Ramsay Pharmacy when you sign up to the Ramsay Pharmacy better rewards program.

You’ll also receive:

  • $5 in rewards dollars when you join
  • $10 in rewards dollars as a birthday gift
  • earn 7.5% back on your better rewards account per dollar spent.

Sign up to Ramsay Pharmacy better rewards for free and access your discount by showing your HCF membership card in store.

Because there’s care, and then there’s Uncommon Care.

Learn more

Travel Insurance

Planning your next holiday? HCF members can save 25% on travel insurance** when you use our discount code^^.


Learn more

Pet Insurance

HCF members can save up to 15% on cover that matches your pet’s life-stage and needs.##

Learn more


We know it can be hard to manage your health in a convenient way. Our partnership with GP2U, an online video GP service, makes it easier for eligible members to access telehealth services. All HCF members with health cover can access a standard GP consultation (up to 10 minutes) for a fee of $50.
Learn more

Important Information

* Available after you’ve been a member with us for a week and all policy payments up-to-date. Excludes Ambulance Only and Overseas Visitors Health Cover.

^ Based on discounts available through HCF partners (Aug 2023) and average category spend from ABS Household Expenditure Survey, Australia (2017).

# HCF Pet Insurance is issued by The Hollard Insurance Company Pty Ltd. Consider the PDS and TMD at HCF Travel Insurance is issued and managed by AWP Australia Pty Ltd trading as Allianz Global Assistance for the insurer Allianz Australia Insurance Limited. Please consider the PDS and TMD available at

Terms and conditions apply. Excludes pharmacist only medicine (Schedule 3 medicines) and prescription only medicine. Discount applicable off current in store price. Must show HCF membership card to staff and scan better rewards card upon checkout to claim discount.

** 25% discount is the total discount on offer for the product, based on standard premium rates. It applies automatically upon successful input of the discount code to premiums for all plans, including policy add-ons. Cannot be used in conjunction with, or in addition to any other discounts. No additional discounts will be provided to members who already receive a member discount. Please contact us for more information

^^ The Hospitals Contribution Fund of Australia Ltd ABN 68 000 026 746 AFSL 241414 (HCF) arranges this insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz). Travel insurance is issued and managed by AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 trading as Allianz Global Assistance (AGA) for the insurer Allianz. Terms, conditions, limits and exclusions apply. HCF, Allianz and AGA do not provide any advice on this insurance based on any consideration of your objectives, financial situation or needs. Because of that, you should consider whether the advice is appropriate for you. Before making a decision please consider the Product Disclosure Statement, the Financial Services Guide and Target Market Determination (TMD). The TMD is available at If you purchase a policy, HCF and AGA receive a commission which is a percentage of your premium - ask us for more details before we provide you with services.

## All HCF members are eligible for at least 10% discount on HCF Pet Insurance. HCF Ruby and Diamond members get a 15% discount. Existing Manchester Unity Pet Insurance policies are not eligible for discounts under HCF Thank You. Visit the HCF Thank You page for further information. Where relevant, increased discount will be applied automatically at first renewal after advancement in HCF Thank You tier. HCF Pet Insurance is issued by The Hollard Insurance Company Pty Ltd ABN 78 090 584 473 (AFSL 241436). The insurance is distributed and promoted by The Hospitals Contribution Fund of Australia Limited (HCF) ABN 68 000 026 746 (AFSL 241414) and arranged and administered by PetSure (Australia) Pty Ltd ABN 95 075 949 923 (AFSL 420183). Any advice provided is general only and does not take into account your individual objectives, financial situation or needs. Consider the Product Disclosure Statement and Target Market Determination, available at, before deciding if the product is right for you and please do not assume that pet insurance and health insurance are similar. HCF may receive a commission of up to 17% of the premium for promoting HCF Pet Insurance policies. For more information, contact HCF on 1800 630 681 or HCF Pet Insurance is not part of HCF's health insurance business. Please do not assume that pet insurance and health insurance are similar.