Championing the health needs of Australians for over 80 years, HCF covers almost 1. As a Rest member, you can access a great range of additional benefits when you join Hospital and Extras as a Corporate member including:. If you already have health insurance, HCF will contact your current fund for you. If you are seeking to replace an existing health insurance policy, you should consider your personal circumstances including continuing the existing cover until the replacement policy is issued and cover confirmed.
Your current policy may have different features to products currently in the market. Please consider what features are right for you when comparing insurance products and refer to the provider for further details on a policy. Canstar may earn a fee for referrals from its website tables, and from Sponsorship or Promotion of certain products.
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The table position of a Sponsored or Promoted product does not indicate any ranking or rating by Canstar. For more information please see How We Get Paid. HCF Health Insurance. HCF is a provider of health insurance in Australia, as well as other products, including life, travel and pet insurance.
Health Insurance FAQs. How do I join HCF? Can I manage my HCF policy online? Can I get dental cover with HCF? How do I lodge a claim with HCF? Can I get HCF health insurance as an international student? About HCF. Australian Unity. Budget Direct. CBHS Corporate. CDH Benefit. Switching Funds. Weight loss surgery.
Joint replacement. All guides A to Z. Government schemes. Medicare levy surcharge. Lifetime health cover loading. Pros Most hospital policies cover more than the minimum tier requirements, but are still competitively priced.
Cons No Basic or Basic Plus policies available. HCF received the highest number of complaints compared to market share of any of the big health funds. Top Pick for Basic Extras. HCF Starter Extras. Top Pick for Mid Extras. HCF Mid Extras.
Top Pick for Silver Hospital. Compare all HCF policies. HCF health insurance: Our verdict HCF has a wide selection of comprehensive hospital policies that are competitively priced. You want a mid-priced extras plan with good dental coverage.
What types of health insurance does HCF offer? Hospital Extras Combined Ambulance. Hospital Coverage. Hospital cover designed for the healthy and budget conscious. It covers accidents, intensive care and accommodation, plus joint reconstructions, digestive system and more.
Affordable hospital cover for some common treatments including heart surgery, back, neck and spine, plus more. Comprehensive hospital cover for those who don't need cover for pregnancy.
HCF Hospital Gold. The HCF top hospital cover option aims to provide premium hospital health care protection and peace of mind to members. See table of all included treatments. Extras coverage. HCF Starter Extras with optical. It also includes prescription glasses excluding some add-ons and free digital retinal imaging eye check as well as cover on a range of therapies.
HCF Vital Extras. HCF Top Extras. The most comprehensive cover, this one gives you higher annual limits and increases your loyalty limits each year. Combined coverage. You can combine any hospital policy and extras policy from the previous 2 tabs, or you can choose 1 of these 3 custom policies that combine hospital cover and extras cover that you can't buy on their own: My Future Basic Plus , or The hospital policy in this package is an enhanced Bronze policy offering cover for bones, joints, hernias, skin issues and dental surgery.
The extras policy is quite basic, covering optical, general dental, major dental, a few therapies, emergency ambulance and some vaccines. A higher excess means lower premiums, but it also reduces your benefit limits on your extras policy. My Family Silver Plus. The hospital policy in this package offers more than what is required of a Silver policy, but slightly less than what you'd get through HCF's standalone Silver Plus policy since it doesn't cover kidney dialysis, insulin pumps, cataracts or joint replacements.
That makes it ideal for families that want a high level of cover but may not need treatments that are largely associated with ageing.
The extras policy covers optical, general dental, major dental, a range of therapies and emergency ambulance. Other than optical, you get a combined limit on the other treatments meaning you can spend your limits however you choose. My Family Advanced Silver Plus. The hospital policy in this package is practically the same as what you get in the My Family Silver Plus policy except that you get full cover for podiatric surgery rather than limited benefits.
The extras policy is very similar as well, except you're covered for orthodontics, artificial health aids, podiatry and a few others. Your benefit limits are also slightly higher on a few extras treatments. Ambulance coverage. Policy limitations, exclusions, waiting periods and excesses Always check the conditions and the list of general exclusions to make sure you know what is and isn't covered.
HCF will not pay your claim if: The ambulance transport you receive does not meet the approved definition supplied in the PDS. For example, if it is for transport you receive when you are discharged from hospital.
You are covered by another arrangement, such as a state government ambulance subscription scheme. It is for transfers between hospitals. It is for transport provided by an ambulance service not recognised by HCF. Are there waiting periods? Our graphic below displays the CHOICE gap rating, which takes into account the percentage of services where members either paid no gap or a known gap, compared to the state average. The benefit amount your fund pays you for hospital services depends not only on the type of cover you buy, but also whether your fund has an agreement with the hospital where you're treated.
The table below shows how many hospital agreements HCF has in your state compared to the fund with the highest number the industry maximum. Note that public hospitals don't have agreements with specific funds and are generally treated as though they're agreement hospitals.
Online claiming available for dental, physio, therapies, pharmacy, artificial appliances.
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