You get more with HCF

We’re not-for-profit and return more in benefits

• HCF is not-for-profit, so members get more, not shareholders.
• For every dollar premium members pay, HCF consistently pays more back as benefits than the industry average.
• Last year we paid back 90 cents in the dollar as benefits vs. an industry average of only 85 cents.

More benefits for the services you use most

• Generous benefits for dental, optical, physiotherapy and chiropractic services.
• Seven HCF Sydney Dental and Eyecare Centres offering a range of no-gap services and options, saving you money.
• No-gap dental services through HCF’s Oral Health Program, saving you money (regional NSW, ACT, VIC, QLD & SA).

More cover for important hospital services

• All HCF Hospital products include cover for heart conditions, intensive and neo-natal intensive care (unlike most other funds).
• Outstanding private hospital access.

More savings

• You’ll pay no hospital excess for accidents and same day surgery
• (unlike most other funds).
• Many funds charge up to $1,000 up-front for hospital excesses – our highest charge per night is just $50.
• HCF has the best medical gap coverage of any major health fund.
• Over 19,000 doctors with HCF no-gap arrangements.

It’s how we’re different from other funds.