More value

• We’re not for profit, so members get more, not shareholders.
• We consistently return more in benefits than the industry average.

More benefits and savings.

• More benefits for dental and optical services than the industry average.
• Seven HCF Sydney Dental and Eyecare Centres offering many no-charge services and products, saving you money.
• No charge for basic dental services through HCF’s Oral Health Program, saving you money (regional NSW, ACT, VIC, QLD and SA).
• If hospitalised, you only pay an excess once per person per year, and dependant children are exempt (unlike most other funds).
• You won’t pay any excess for accidents and same day surgery (unlike most other funds).
• HCF has the best no-gap medical coverage of any major health fund in mainland Australia.

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).

…it’s how we’re different from other funds.