We’re sending your tax info to the ATO in early July to help pre-fill your tax return. Find a copy of your statement in your inbox in online member services or our app by 14 July 2026. Check if new income tiers impact you from 1 July 2026. Questions? Visit hcf.com.au/tax for more tax-time help.

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WANT TO SAVE AT TAX TIME?

Do your future self a favour - don't pay the Medicare Levy Surcharge if you don't have to. Take out hospital cover and you could enjoy a bigger tax return.

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Find the right health cover for your life stage

I’m looking for

single couple family single parent

health cover. I’m

under 31 31 - 44 45 - 64 65 - 69 70 and above

and live in

NSW VIC QLD SA WA TAS ACT NT

. My annual

. My annual income is

$105,000 or less $105,001 - $123,000 $123,001 - $164,000 $164,001 or more prefer not to specify
$210,000 or less $210,001 - $246,000 $246,001 - $328,000 $328,001 or more prefer not to specify

Need help? We’re here for you

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Explore health cover options for your needs

Whether you’re looking for extras only, hospital cover for the family or something else, see HCF’s range of cover options.
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Learn more about private health insurance

From helping manage your health costs to member discounts, flexible care and more, discover the benefits of health cover.
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Switch to HCF from another health fund

Explore the benefits of switching to HCF and discover how easy it is to change from your previous health fund.

Why choose HCF private health insurance?

For over 90 years, we’ve provided reliable health cover and supported our members with access to affordable, quality care when needed most.

Over the past decade we’ve given our members more back in benefits for every dollar paid in premiums than the industry average~.

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As Australia’s largest not-for-profit health fund, we invest our profits where our members are, keeping premiums and healthcare costs low.

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For planned and unexpected health events, we’ve got members covered, paying out $3.6 billion for hospital and extras benefits^ to support their health and recovery.

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We're proud to have been recognised by Roy Morgan as Australia’s Most Trusted Brand in Private Health Insurance for 2025+. We've also won Canstar's Outstanding Value Health Insurance Award for the 10th year running.

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Get more from your health cover

Uncommon Care starts with giving you more – more back in benefits for every dollar paid in premiums than the industry average~, more value and more access to the care you need.

  • Top gap coverage for in-hospital medical services.
  • 100% back^^ on popular extras like annual dental check-ups through our network.
  • Access one of the biggest networks of 46,000 medical specialists in Australia. 
  • A range of evidence-based health programs like heart and diabetes health checks++, joint programs and mental wellbeing support.
Discover great member benefits
Canstar 2016-2023 outstanding value for health insurance award logo. csia 2025 customer service organisation of the year - government/not-for-profit logo A finder 2024 hospital cover award logo.

Award-winning insurance trusted by over 2 million Australians

Since 1932, we’ve been committed to delivering award-winning products, industry-leading innovation and support to members, providing care they can count on.

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Building healthier communities

One of the many ways we support Australians’ health is by giving back. Our partnerships with Royal Flying Doctor Service and The Smith Family help improve access to healthcare and education to build healthier communities.

See our social mission

Already an HCF member?

Quickly find the support you need or log in to your HCF account to keep track of extras limits, make instant claims, changes to your account, and more.

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Log in to online member services
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Find a healthcare provider
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Make a claim
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Browse FAQs and resources

Benefits in the palm of your hands

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Your health partner in your pocket

The My Membership app makes managing your cover easy with fast, simple, secure access – anytime, anywhere. Make claims on the go, track extras limits, remaining benefits and more##.

Explore the My Membership app
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Make every day more rewarding

The HCF Thank You app*** makes it easy to browse personalised offers and discounts, earn rewards and track savings. Plus, you can use HCF dollars to reduce your premium payments^^^.

Discover great member benefits
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Get going, keep going with HCF Healthful

Join thousands of members achieving their goals with the HCF Healthful app+++. Get insights, set goals, access health programs and more, to make managing your health feel doable.

Learn more about HCF Healthful

Important Information

~ 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.

^ Sourced from HCF Year in Review Financial Year 2024-25.

+ Based on Roy Morgan’s Risk Monitor Survey for the 12 months to June 2025. 

^^ 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

++ Eligibility criteria apply. For more information see hcf.com.au/victorchang

## Android and Apple users with a supported device can scan the QR code on their digital card at providers with HICAPS Trinity payment terminals. Android users can also use tap-and-go (NFC) at providers with HICAPS VX, HICAPS Trinity or CommBank Smart Health payment terminals. Supported Apple devices run at least iOS 13. Supported Android devices run at least Android 8.

*** Eligibility criteria apply. For more information see hcf.com.au/thank-you-app

^^^ 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.

+++ Eligibility criteria apply. For more information see hcf.com.au/healthful

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