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Compare & Switch
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Compare & Switch
Looking to compare, take out private health insurance or make the switch to HCF? Find the right cover for your needs and we’ll take care of the rest.
- Compare Health Insurance
- Switch health insurance to HCF
- Get a quote
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Health
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Health
Discover the benefits of private health insurance for you and your family, including comprehensive health support and how to find a provider near you.
- Why health insurance
- Find health insurance cover
- Find a provider
- Health programs
- Get a quote Find out more
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Overseas Visitors
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Overseas Visitors
- Get a quote Find out more
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Life
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HCF Life and Recover Cover
Count on HCF Life & Recover Cover to stand by you during life’s unexpected challenges and reduce the financial stress on your family’s future.
- Why Life Insurance and Recover Cover
- Find Life Insurance and Recover Cover
- Income Protect Insurance
- Life Protect Insurance
- Critical Illness Insurance
- Find out more
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Travel
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Travel
Prepare for the unexpected with HCF Travel Insurance. Designed to provide cover for delayed luggage, overseas medical emergencies and more for singles, duos and families.
- Find out more
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Pet, Home & Car
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Pet, Home & Car
From furry friends to your home and the four wheels guiding you back to your loved ones, find pet insurance, as well as home and car cover options.
- Home & Contents
- Landlord
- Car
- Pet
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About HCF
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About HCF
Learn more about Australia’s largest not-for-profit health fund, how we reward our members, HCF benefits, partnerships, research initiatives and more.
- Our Benefits
- Our partners
- Member care services
- Research Foundation
- Sustainability
- Loyalty program
- Get help
- Get a quote
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FIND AN HCF PROVIDER
Lower your hospital costs or get 100% back* on a range of popular extras through our extensive HCF provider networks^.
Search for:
- extras providers in the HCF No-Gap network, like dentists, physios and more
- participating No-Gap Joints orthopaedic surgeons and hospitals
- ‘GLAD program’ to find a GLA:D®-accredited and HCF-recognised physio or exercise physiologist
- doctors providing in-hospital treatment, including average out-of-pocket costs and the hospitals they operate in
- participating hospitals in our network.
Just enter the name of your provider, doctor or hospital, or the type of health service^ you're looking for.
You can also use BookNow to:
- book an appointment online with selected More for Teeth and More for Muscles providers
- find a participating No-Gap Joints surgeon and book a consultation for an eligibility check.
If they accept online bookings, you'll see a ‘Book now’ button next to their name.
If you have any questions, call us on 13 13 34.
Our networks give you better access to affordable healthcare to suit your needs
Save with our Medicover scheme
Top coverage with 97% of medical services in hospital covered with a known or no-gap+.
Use and claim more on dental
Choose from over 11,000 dentists in our No-Gap network across Australia.
Find no-gap providers
Minimise or avoid gap payments with our Find a Provider tool.
Get a second medical opinion
Enjoy a free confidential second opinion on a health condition from independent medical specialists in Australia#.
See a GP or psychologist online
Get additional health support through our partnership with GP2U**, or a free HealthyMinds Check-in^^.
Be supported after hospital
Get specialist support for personal and health matters when you leave hospital with HC Assist++ if you're a Ruby or Diamond member.
Preparing for your hospital stay
Participating hospitals
Our agreements with participating hospitals help you access lower or no-gap hospital services covered under your policy.
Preparing for hospital
Prepare for hospital with our guides, learn about common procedures and check average out-of-pocket costs for members with our cost indicator tool.
Treatment at home
Eligible members can receive treatment in the comfort of their home with our network of hospital treatment substitute providers##.
Looking after your health is easier with our No-Gap network
Eligible members can enjoy 100% back* on popular extras like 1 or 2 dental check-ups per year, your first visit to a physio or chiro^^^ and more through our nationwide provider network.
Find an HCF Dental Centre
From your first dental visit to ongoing oral care, our HCF Dental Centres offer a wide range of affordable and high-quality dental services across Sydney, Melbourne, Brisbane, and Canberra.
Find an HCF Eyecare Centre
Our HCF Eyecare Centres deliver great value with 100% back* on a range of prescription glasses or contact lenses***, and 1 free retinal image with your eye test to eligible HCF members with extras cover.
How to choose a doctor or hospital
With our hospital cover, you can choose a participating hospital in our network and avoid large gap payments by choosing a doctor who participates in the HCF Medicover scheme.
Frequently asked questions about HCF's provider network
HCF’s network of participating providers includes thousands of doctors, specialists, dentists, physios and more across Australia that have agreements with HCF. When you use a participating provider for services included in your cover, you may receive higher benefits, lower out‑of‑pocket costs and known-gap or no‑gap services (if they’re part of our No-Gap network), depending on your cover.
No. You can choose any registered healthcare provider, even if they’re not part of HCF’s network. However, using an HCF participating provider may help reduce or eliminate out‑of‑pocket costs, as these providers have agreements with HCF to offer higher benefits or no‑gap services. If you see a provider outside the network, you may still receive a benefit, but your out‑of‑pocket costs could be higher depending on your cover.
The out-of-pocket cost of a service or treatment can depend on your level of cover, the provider or doctor you choose and the treatment you need. To get a better understanding of these costs, you can:
- ask your healthcare provider for a quote before treatment
- use HCF tools like our Find a Provider tool to get a better understanding on potential out-of-pocket costs or no-gap arrangements
- contact our experienced team for more support.
To check if you’re covered for a service, login to your HCF Member Services account or the My Membership app to review your level of cover, included and excluded services, and to check your extras limits. If you’re still unsure if you’re covered for a service or what benefits may apply, contact our team for more information.
Yes. Once you’ve searched for a provider and location using our Find a Provider tool, you can filter by consultation type and select a practitioner that offers face-to-face or telehealth appointments.
HCF’s network of participating providers includes thousands of doctors, specialists, dentists, physios and more across Australia that have agreements with HCF. When you use a participating provider for services included in your cover, you may receive higher benefits, lower out‑of‑pocket costs and known-gap or no‑gap services (if they’re part of our No-Gap network), depending on your cover.
No. You can choose any registered healthcare provider, even if they’re not part of HCF’s network. However, using an HCF participating provider may help reduce or eliminate out‑of‑pocket costs, as these providers have agreements with HCF to offer higher benefits or no‑gap services. If you see a provider outside the network, you may still receive a benefit, but your out‑of‑pocket costs could be higher depending on your cover.
The out-of-pocket cost of a service or treatment can depend on your level of cover, the provider or doctor you choose and the treatment you need. To get a better understanding of these costs, you can:
- ask your healthcare provider for a quote before treatment
- use HCF tools like our Find a Provider tool to get a better understanding on potential out-of-pocket costs or no-gap arrangements
- contact our experienced team for more support.
To check if you’re covered for a service, login to your HCF Member Services account or the My Membership app to review your level of cover, included and excluded services, and to check your extras limits. If you’re still unsure if you’re covered for a service or what benefits may apply, contact our team for more information.
Yes. Once you’ve searched for a provider and location using our Find a Provider tool, you can filter by consultation type and select a practitioner that offers face-to-face or telehealth appointments.
HCF’s network of participating providers includes thousands of doctors, specialists, dentists, physios and more across Australia that have agreements with HCF. When you use a participating provider for services included in your cover, you may receive higher benefits, lower out‑of‑pocket costs and known-gap or no‑gap services (if they’re part of our No-Gap network), depending on your cover.
No. You can choose any registered healthcare provider, even if they’re not part of HCF’s network. However, using an HCF participating provider may help reduce or eliminate out‑of‑pocket costs, as these providers have agreements with HCF to offer higher benefits or no‑gap services. If you see a provider outside the network, you may still receive a benefit, but your out‑of‑pocket costs could be higher depending on your cover.
The out-of-pocket cost of a service or treatment can depend on your level of cover, the provider or doctor you choose and the treatment you need. To get a better understanding of these costs, you can:
- ask your healthcare provider for a quote before treatment
- use HCF tools like our Find a Provider tool to get a better understanding on potential out-of-pocket costs or no-gap arrangements
- contact our experienced team for more support.
To check if you’re covered for a service, login to your HCF Member Services account or the My Membership app to review your level of cover, included and excluded services, and to check your extras limits. If you’re still unsure if you’re covered for a service or what benefits may apply, contact our team for more information.
Yes. Once you’ve searched for a provider and location using our Find a Provider tool, you can filter by consultation type and select a practitioner that offers face-to-face or telehealth appointments.
Important Information
* 100% back at More for You program providers in our No-Gap network is available on selected covers. Waiting periods and annual limits apply. Our No-Gap network of healthcare providers changes often. Please check that your provider is part of our No-Gap network before you book or attend an appointment. See hcf.com.au/100back
^ Our network of healthcare providers changes often. Please check that your provider is part of our network before you book or attend an appointment. Except for HCF Dental or Eye Centres, HCF is not responsible for the conduct of any provider and does not endorse them.
+ Sourced from HCF Year in Review Financial Year 2024-25.
# You must have had hospital cover for 12 months and a specialist consultation to use this service. Excludes Accident Only Basic cover, Ambulance Only cover and Overseas Visitors Health Cover. Conditions apply.
** Eligibility criteria apply. For more information see hcf.com.au/gp2u
^^ Eligibility criteria apply. For more information see hcf.com.au/mental-support
++ Available for Ruby and Diamond members. For more information, visit hcf.com.au/assist
## Available with HCF contracted providers, subject to member location and hospital cover. Waiting periods apply. You must have a suitable home environment to be treated in. For more information, visit hcf.com.au/home-treatment
*** Excludes add-ons like high index material, coatings and tinting.
^^^ A first visit means an initial consultation for an eligible health condition that’s new or flare up where no treatment has been provided in the previous 3 months.
HCF acknowledges the traditional custodians of the lands and water upon which we work and live. We acknowledge Aboriginal and Torres Strait Islander peoples’ rich history as traditional healers and scientists, who have taken care of the health of the land and its people for thousands of years. We give thanks to elders past and present, who we have much to learn from on our reconciliation journey. View our Reconciliation Action Plan