WE PUT OUR MONEY​ WHERE OUR MEMBERS ARE​

Important Information

^** This is the maximum benefit amount depending on your age and level of cover.

^% Less than 24 months’ life expectancy. Subject to conditions, exclusions and limitations. Please refer to the PDS and Policy Document for further information.

^{^^} Payment is subject to offsets including any amounts payable from your employer or superannuation fund. Please refer to the PDS and Policy Document for further information.

^### Must have at least 20 HCF dollars in cleared funds. Only members who pay their premiums by credit card or direct debit can use their HCF dollars to reduce premiums.

^# 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

^* The policyholder can swap out a service for another service at any time provided that no one on the policy has claimed on that service during the calendar year. If the policyholder swaps in teeth whitening, major dental, orthodontics or minor podiatric procedures, a 12-month waiting period will apply from the date of the swap.

^{^} Eligibility criteria applies. You can access HCF Thank You offers after you’ve been a member for a week, and if your premiums are up to date. Excludes Ambulance Only and Overseas Visitors Health Cover. Offers and partners are subject to change without advance notice. See HCF Thank You Terms and Conditions.

^~ Eligibility criteria apply. For more information, visit hcf.com.au/thank-you-app

^~~~ Must visit the emergency department within 24 hours of the accident. Excludes Accident Only Basic and My Future and Future Care covers. Conditions apply. See Accident Safeguard for more information.

^**** To avoid serving waiting periods again when switching between funds, you’ll need to have switched from another Australian registered health insurer or an international health insurer belonging to the International Federation of Health Plans, and to have joined within 1 month of ending your previous membership. These rules also apply if you’ve switched from another HCF product. When you switch funds, you can’t transfer any loyalty rewards, including increased limits. If you joined HCF during a special offer, some waiting periods might be waived. This excludes hearing aids as there is a 12-month waiting period from the date you join us. Get in touch with us to check which waiting periods may apply.

⁺⁺⁺⁺ Year in Review: Financial Year 2024-2025..

^## Based on Roy Morgan Most Trusted Brand Award 2025.

⁺ Based on number of Canstar National and State-based Health Insurance Awards from 2008 – 2025.

^~~ Based on HCF Hospital Basic Plus ($750 excess) for a single in NSW aged under 65, annual taxable income of <$101,000, 24.288% Australian Government Rebate applied and no Lifetime Health Cover loading.

^%% 88.7% compared to 84.4% across the industry. Calculated based on the average of the past 10 years, sourced from APRA Statistics: Operations of Private Health Insurers Annual Report data 2015–24 and Quarterly private health insurance statistics July 2024–June 2025.