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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 Health Insurance (OVHC)
Whether you’re here for work or visiting Australia, get access to the health care services you may need with Overseas Visitors Health Cover (OVHC).
- 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
- Find out more
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Flip
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Flip
Flip helps you to embrace life's moments with simple, affordable insurance and easy access to preventative dental care.
- Flip insurance
- Flip Dental
- Get cover now
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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 the best health insurance for you and your needs
As Australia's largest not-for-profit health fund, we're committed to offering value-for-money and quality cover that best suits your budget and health journey.
At HCF, we give members outstanding value
Like discounted e-Gift cards on everyday essentials* and 100% back^ on popular extras through our No-Gap network.
Find the right cover for you
Whether you want peace of mind for your family, up to 100% back^ on extras like 2 dental check-ups per year, emergency ambulance cover+ and more, find cover for your needs.
Choose the right cover for your life stage with access to the healthcare services# that matter to you.
Choose the hospital and extras cover for the services that matter most and gives you the peace of mind you’re looking for.
Make staying healthy more affordable with 100% back^ through our No-Gap network on popular extras like a dental check-up.
Get on-demand accidental injury cover with Flip or personal accident cover with HCF Life** for your recovery.
Whether you’re visiting Australia, working short-term or a little longer, find cover for your time here.
Choose the right cover for your life stage with access to the healthcare services# that matter to you.
Choose the hospital and extras cover for the services that matter most and gives you the peace of mind you’re looking for.
Make staying healthy more affordable with 100% back^ through our No-Gap network on popular extras like a dental check-up.
Get on-demand accidental injury cover with Flip or personal accident cover with HCF Life** for your recovery.
Whether you’re visiting Australia, working short-term or a little longer, find cover for your time here.
Choose the right cover for your life stage with access to the healthcare services# that matter to you.
Choose the hospital and extras cover for the services that matter most and gives you the peace of mind you’re looking for.
Make staying healthy more affordable with 100% back^ through our No-Gap network on popular extras like a dental check-up.
Get on-demand accidental injury cover with Flip or personal accident cover with HCF Life** for your recovery.
Whether you’re visiting Australia, working short-term or a little longer, find cover for your time here.
Why choose HCF for your health insurance?
At HCF, our focus is where it should be - on providing award-winning value products, service and support to members#. We call it Uncommon Care.
We put our members before profit
For every dollar our members pay in premiums, we pay more back in benefits than the industry average^^.
We support our member’s health journey
We offer a range of health programs++ like mental health and weight management to support members when they need it most.
We help members get 100% back^ on extras
Enjoy 100% back^ on 2 dental check-ups per year and on a range of prescription glasses~ through our extensive No-Gap network.
We help our members save more
HCF Thank You* can help members save an average of $900## a year on groceries, entertainment and more through discounted e-Gift cards.
Award-winning insurance trusted by more than 2 million australians
Most Canstar awarded health fund in 2024
We've won more Canstar Health Insurance Awards than any other insurer in 2024, including the Outstanding Value Health Insurance award 9 years in a row*****.
Award-winning customer service for our members
Awarded the Customer Service Organisation of the Year (Large) award by the Customer Service Institute of Australia for the third year running (2022 to 2024).
2024 Finder Health Insurance Award winner
Based on value for money, we scored higher than all eligible bronze hospital policies on the market for our Hospital Bronze Plus $750 Excess cover.
Need help to find the best health insurance for you?
We've answered some of your most common questions to help you feel more confident you've made the right choice.
As everyone’s life stage and health needs are different, so is the type of health cover someone might need.
That's why there are 4 types of private health cover:
- hospital
- extras
- hospital and extras
- ambulance only (not available to residents of Qld and Tas due to state schemes).
HCF offers a range of hospital and extras covers so that customers can choose the one that meets their needs based on the services they want to be covered for, and their budget. As an HCF member, you can always change and upgrade your level of cover as your health needs change^^^.
Unlike Medicare, private hospital cover allows you to choose your specialist and the hospital you’re treated in. Plus, it can help reduce waiting times for elective surgeries and out-of-pocket medical costs depending on your level of cover. Some specialists will operate out of certain hospitals, and the gap you pay for the hospital costs may be different depending on whether they are a participating hospital.
HCF private health insurance can allow you to choose your own doctor, reduce wait times on elective surgeries, cover you for emergency ambulance services, give you more benefits towards non-MBS services like dental and optical, and lower out-of-pocket costs through our participating providers.
Medicare covers things like visits to GPs, specialists, most prescription medicines under the Pharmaceutical Benefits Scheme (PBS), and public hospital treatments.
Once you've determined the best private health insurance for your needs, the next step is to find health insurance quotes that suit your budget and lifestyle. At HCF, we make it incredibly easy for you to choose a level of cover that best suits your needs, so you know exactly what’s included right from the start, such as 100% back^ on a dental check-up, emergency ambulance services+ and more.
Start by determining your current health needs and what’s important to you, your lifestyle, and your future healthcare needs. Think about whether you need hospital cover for planned or unplanned treatments, extras cover to reduce out-of-pocket costs on a range of services that Medicare doesn’t cover like dental, optical, and physio, or if you need a combination of both.
As everyone’s life stage and health needs are different, so is the type of health cover someone might need.
That's why there are 4 types of private health cover:
- hospital
- extras
- hospital and extras
- ambulance only (not available to residents of Qld and Tas due to state schemes).
HCF offers a range of hospital and extras covers so that customers can choose the one that meets their needs based on the services they want to be covered for, and their budget. As an HCF member, you can always change and upgrade your level of cover as your health needs change^^^.
Unlike Medicare, private hospital cover allows you to choose your specialist and the hospital you’re treated in. Plus, it can help reduce waiting times for elective surgeries and out-of-pocket medical costs depending on your level of cover. Some specialists will operate out of certain hospitals, and the gap you pay for the hospital costs may be different depending on whether they are a participating hospital.
HCF private health insurance can allow you to choose your own doctor, reduce wait times on elective surgeries, cover you for emergency ambulance services, give you more benefits towards non-MBS services like dental and optical, and lower out-of-pocket costs through our participating providers.
Medicare covers things like visits to GPs, specialists, most prescription medicines under the Pharmaceutical Benefits Scheme (PBS), and public hospital treatments.
Once you've determined the best private health insurance for your needs, the next step is to find health insurance quotes that suit your budget and lifestyle. At HCF, we make it incredibly easy for you to choose a level of cover that best suits your needs, so you know exactly what’s included right from the start, such as 100% back^ on a dental check-up, emergency ambulance services+ and more.
Start by determining your current health needs and what’s important to you, your lifestyle, and your future healthcare needs. Think about whether you need hospital cover for planned or unplanned treatments, extras cover to reduce out-of-pocket costs on a range of services that Medicare doesn’t cover like dental, optical, and physio, or if you need a combination of both.
As everyone’s life stage and health needs are different, so is the type of health cover someone might need.
That's why there are 4 types of private health cover:
- hospital
- extras
- hospital and extras
- ambulance only (not available to residents of Qld and Tas due to state schemes).
HCF offers a range of hospital and extras covers so that customers can choose the one that meets their needs based on the services they want to be covered for, and their budget. As an HCF member, you can always change and upgrade your level of cover as your health needs change^^^.
Unlike Medicare, private hospital cover allows you to choose your specialist and the hospital you’re treated in. Plus, it can help reduce waiting times for elective surgeries and out-of-pocket medical costs depending on your level of cover. Some specialists will operate out of certain hospitals, and the gap you pay for the hospital costs may be different depending on whether they are a participating hospital.
HCF private health insurance can allow you to choose your own doctor, reduce wait times on elective surgeries, cover you for emergency ambulance services, give you more benefits towards non-MBS services like dental and optical, and lower out-of-pocket costs through our participating providers.
Medicare covers things like visits to GPs, specialists, most prescription medicines under the Pharmaceutical Benefits Scheme (PBS), and public hospital treatments.
Once you've determined the best private health insurance for your needs, the next step is to find health insurance quotes that suit your budget and lifestyle. At HCF, we make it incredibly easy for you to choose a level of cover that best suits your needs, so you know exactly what’s included right from the start, such as 100% back^ on a dental check-up, emergency ambulance services+ and more.
Start by determining your current health needs and what’s important to you, your lifestyle, and your future healthcare needs. Think about whether you need hospital cover for planned or unplanned treatments, extras cover to reduce out-of-pocket costs on a range of services that Medicare doesn’t cover like dental, optical, and physio, or if you need a combination of both.
Understanding your health cover
How to choose the right health cover for you
Choosing the right private health cover can be confusing. We’re here to help you understand your options and find the cover that best suits your needs.
How to get value from your HCF extras cover
Are you getting the most from your HCF extras cover? Find out how HCF members can save with 100% back on a range of popular extras services^.
Why choose HCF as your health fund?
We’re proud to put the health of our members before profit, from giving more back in benefits to improving your health and wellbeing through industry-leading health programs.
Important Information
* 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.
^ 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.
~ Excludes add-ons like high index material, coatings and tinting.
+ Cover is limited to emergency transport to the nearest hospital by a State or Territory government ambulance provider (excludes transport from another hospital or medical facility) and medically necessary non-emergency ambulance transport where your doctor requests ambulance transport because your condition requires monitoring and support in transit (up to $5,000 per person per calendar year). Benefits are not payable for ambulance services covered by a State or Territory government scheme.
# Eligibility criteria and exclusions apply.
^^ 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.
++ Eligibility criteria applies. For more information see hcf.com.au/health-insurance/health-programs
## Based on discounts available through HCF partners (Aug 2023) and average category spend from ABS Household Expenditure Survey, Australia (2017).
### Based on Roy Morgan’s Risk Monitor Survey for the 12 months to June 2025.
^^^ If you're switching and upgrading your cover, you'll need to serve the necessary waiting periods for your higher entitlements.
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