-
Compare & Switch
-
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
-
-
Health
-
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
-
-
Overseas Visitors
-
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
-
-
Life
-
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
-
-
Flip
-
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
-
-
About HCF
-
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
-
Extras Cover
Get extras cover to help lower costs of everyday health services generally not covered by Medicare like general dental, physio and optical from the fund that gives members more back~.
why choose hcf Extras cover?
Take control of your health with extras cover from Australia’s largest not-for-profit health fund and get access to the everyday health services you need.
Get 100% back^ on 2 dental check-ups per year and on a range of prescription glasses+ through our No-Gap network.
Find more of the services you need with our nationwide network of participating providers.
Get great value dental services through our no-gap arrangements with over 11,000 dentists.
Access to a range of health programs# to help you get the support you need in your health journey.
Looking for health cover that matches your needs?
Whether you’re after a higher level of cover for more treatments and services, or something that better fits your budget, get a quote to find the right cover for you.
benefits of Extras only health cover
If you’re looking to get more access to holistic health care and lower out-of-pocket costs on services, HCF extras cover is there for your peace of mind.
Get a reduced cost or up to 100% back on high-quality hearing aids** through our partnership with Connect Hearing.
Claim on therapies like physio, chiro and osteo~~ and more at recognised providers.
Get flexible extras with HCF’s Flexi Extras range and choose how you use your limits on the services you need.
do i need hospital, extras cover or both?
Hospital and extras cover
Get hospital and extras cover for more protection and coverage, from private hospital care and treatments to a range of extras like dental, physio, optical, chiro and remedial massage.
Hospital cover
Choose hospital cover to make sure you’re covered for private hospital admission, emergency ambulance services++, a range of in-hospital treatments and costs, and more.
Extras cover
Use extras cover for services generally not covered by Medicare, and claim on extras like physio and optical, and get 100% back^ on 2 dental check-ups per year through our No-Gap network.
Offers and discounts
HCF extras cover helps you save more. Members can save an average of $900## a year on everyday essentials through discounted e-Gift cards*** plus discounts on pet^^^ and travel insurance+++.
Holistic health support
Eligible members can access a range of health programs# like mental health support, weight management and heart and diabetes health checks### for the support they need in their health journey.
Award-winning insurance trusted by more than 2 million australians
Outstanding value 10 years in a row
We've won Canstar’s Outstanding Value Award for Health Insurance 10 years in a row (2016 to 2025).
Australia’s most trusted health fund 2025
We're Roy Morgan’s 2025 Most Trusted Private Health Insurance Brand#####.
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 right Extras health insurance for your needs?
Answers to commonly asked questions to help you make the right choice.
Extras cover helps manage the costs of a range of everyday health services that generally aren’t covered by Medicare. While hospital cover helps with the costs of a hospital visit and in-hospital treatments.
Depending on your cover, some of the services covered could include:
dental check-ups, teeth cleans, fillings and other dental procedures
optical prescription glasses and contact lenses
physio treatments to help manage pain and improve mobility
chiro services to help with musculoskeletal issues
podiatry treatments for some foot-related conditions
health management programs, like weight management and fitness classes^^^^.
mental health support, including counselling and online cognitive behavioural therapy for adults and children.
Extras cover can save you money on services like dental and optical, and it may help you to stay on top of your health, with services like dental check-ups and physio appointments.
HCF’s extras cover also gives you access to holistic health programs to support you in your health journey, along with our More for You programs that offer 100% back^ on a range of services, through our nationwide No-Gap network of participating providers.
You should consider your personal circumstances to decide whether it's worth it for you.
Extras cover, also known as ancillary cover, provides cover for services and routine treatments that happen out of hospital, like dental check-ups, chiro treatments, remedial massage and more. These services are generally not covered by Medicare.
Using your extras cover:
- First, you’ll need to wait until your waiting period has lapsed before you start claiming. For most extras, this is between 2 and 12 months, depending on the service.
Check the service you want to claim is covered by your policy, and your provider is recognised by your health fund. If you’re with HCF, you could save more by using our Find a Provider tool to find one of 16,000 providers in our No-Gap network and you’ll get 100% back^ on selected services.
Make a claim with your provider, online or via our app if you’re a member, by post or in person at a branch, if you’re with HCF.
HCF offers a range of extras cover to suit everyone’s health needs. We provide an affordable, easy-to-use experience that puts you in control of your health.
Don’t forget, your extras limits and benefits reset on January 1 every year, regardless of when you took out your cover. To take advantage of this, it’s a good idea to understand what your policy covers so you can schedule your check-ups and appointments in advance to maximise the value of your health cover.
Yes, you have the option to purchase extras cover separately from hospital cover. At HCF, we offer a range of separate hospital cover and extras cover options so you can find the health cover that works best for your needs and budget. But for more benefits and greater access to services, a combined hospital and extras package is your best bet.
Extras cover premiums aren't claimable on your tax return, and doesn't count towards the Medicare Levy Surcharge. It's separate from the hospital cover requirements that impact the levy.
To avoid paying the Medicare Levy Surcharge, if your income is above the specified threshold of $101,000 for singles or $202,000 for families, you’ll need to have and maintain hospital cover for singles, couples or families, whether it’s Basic, Bronze, Silver or Gold tier.
Extras cover helps manage the costs of a range of everyday health services that generally aren’t covered by Medicare. While hospital cover helps with the costs of a hospital visit and in-hospital treatments.
Depending on your cover, some of the services covered could include:
dental check-ups, teeth cleans, fillings and other dental procedures
optical prescription glasses and contact lenses
physio treatments to help manage pain and improve mobility
chiro services to help with musculoskeletal issues
podiatry treatments for some foot-related conditions
health management programs, like weight management and fitness classes^^^^.
mental health support, including counselling and online cognitive behavioural therapy for adults and children.
Extras cover can save you money on services like dental and optical, and it may help you to stay on top of your health, with services like dental check-ups and physio appointments.
HCF’s extras cover also gives you access to holistic health programs to support you in your health journey, along with our More for You programs that offer 100% back^ on a range of services, through our nationwide No-Gap network of participating providers.
You should consider your personal circumstances to decide whether it's worth it for you.
Extras cover, also known as ancillary cover, provides cover for services and routine treatments that happen out of hospital, like dental check-ups, chiro treatments, remedial massage and more. These services are generally not covered by Medicare.
Using your extras cover:
- First, you’ll need to wait until your waiting period has lapsed before you start claiming. For most extras, this is between 2 and 12 months, depending on the service.
Check the service you want to claim is covered by your policy, and your provider is recognised by your health fund. If you’re with HCF, you could save more by using our Find a Provider tool to find one of 16,000 providers in our No-Gap network and you’ll get 100% back^ on selected services.
Make a claim with your provider, online or via our app if you’re a member, by post or in person at a branch, if you’re with HCF.
HCF offers a range of extras cover to suit everyone’s health needs. We provide an affordable, easy-to-use experience that puts you in control of your health.
Don’t forget, your extras limits and benefits reset on January 1 every year, regardless of when you took out your cover. To take advantage of this, it’s a good idea to understand what your policy covers so you can schedule your check-ups and appointments in advance to maximise the value of your health cover.
Yes, you have the option to purchase extras cover separately from hospital cover. At HCF, we offer a range of separate hospital cover and extras cover options so you can find the health cover that works best for your needs and budget. But for more benefits and greater access to services, a combined hospital and extras package is your best bet.
Extras cover premiums aren't claimable on your tax return, and doesn't count towards the Medicare Levy Surcharge. It's separate from the hospital cover requirements that impact the levy.
To avoid paying the Medicare Levy Surcharge, if your income is above the specified threshold of $101,000 for singles or $202,000 for families, you’ll need to have and maintain hospital cover for singles, couples or families, whether it’s Basic, Bronze, Silver or Gold tier.
Extras cover helps manage the costs of a range of everyday health services that generally aren’t covered by Medicare. While hospital cover helps with the costs of a hospital visit and in-hospital treatments.
Depending on your cover, some of the services covered could include:
dental check-ups, teeth cleans, fillings and other dental procedures
optical prescription glasses and contact lenses
physio treatments to help manage pain and improve mobility
chiro services to help with musculoskeletal issues
podiatry treatments for some foot-related conditions
health management programs, like weight management and fitness classes^^^^.
mental health support, including counselling and online cognitive behavioural therapy for adults and children.
Extras cover can save you money on services like dental and optical, and it may help you to stay on top of your health, with services like dental check-ups and physio appointments.
HCF’s extras cover also gives you access to holistic health programs to support you in your health journey, along with our More for You programs that offer 100% back^ on a range of services, through our nationwide No-Gap network of participating providers.
You should consider your personal circumstances to decide whether it's worth it for you.
Extras cover, also known as ancillary cover, provides cover for services and routine treatments that happen out of hospital, like dental check-ups, chiro treatments, remedial massage and more. These services are generally not covered by Medicare.
Using your extras cover:
- First, you’ll need to wait until your waiting period has lapsed before you start claiming. For most extras, this is between 2 and 12 months, depending on the service.
Check the service you want to claim is covered by your policy, and your provider is recognised by your health fund. If you’re with HCF, you could save more by using our Find a Provider tool to find one of 16,000 providers in our No-Gap network and you’ll get 100% back^ on selected services.
Make a claim with your provider, online or via our app if you’re a member, by post or in person at a branch, if you’re with HCF.
HCF offers a range of extras cover to suit everyone’s health needs. We provide an affordable, easy-to-use experience that puts you in control of your health.
Don’t forget, your extras limits and benefits reset on January 1 every year, regardless of when you took out your cover. To take advantage of this, it’s a good idea to understand what your policy covers so you can schedule your check-ups and appointments in advance to maximise the value of your health cover.
Yes, you have the option to purchase extras cover separately from hospital cover. At HCF, we offer a range of separate hospital cover and extras cover options so you can find the health cover that works best for your needs and budget. But for more benefits and greater access to services, a combined hospital and extras package is your best bet.
Extras cover premiums aren't claimable on your tax return, and doesn't count towards the Medicare Levy Surcharge. It's separate from the hospital cover requirements that impact the levy.
To avoid paying the Medicare Levy Surcharge, if your income is above the specified threshold of $101,000 for singles or $202,000 for families, you’ll need to have and maintain hospital cover for singles, couples or families, whether it’s Basic, Bronze, Silver or Gold tier.
Important Information
HCF will collect and use your personal information through this quote process in accordance with our Privacy Collection Notice.
* Australian Government Rebate has been applied if you selected an income level less than $158,001 for single or less than $316,001 for family. Price excludes any 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.
^ 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.
~~ Waiting periods and annual limits apply.
# Eligibility criteria apply. For more information see hcf.com.au/health-programs
** Depends on your level of cover, annual limits and waiting periods. Service limits of 1 pair every 3 years.
++ 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.
## Based on discounts available through HCF partners (Aug 2023) and average category spend from ABS Household Expenditure Survey, Australia (2017).
*** 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.
^^^ All HCF members are eligible for a member discount of at least 10% on HCF Pet Insurance. HCF Ruby and Diamond members get a 15% discount. Existing Manchester Unity Pet Insurance policies are not eligible for discounts under HCF Thank You. Visit the HCF Thank You page for further information. Where relevant, increased discount will be applied automatically at first renewal after advancement in HCF Thank You tier. To be eligible for the discount members need to have the HCF My Membership app or online member services set up. This offer may be subject to change.
HCF Pet Insurance policies entered into for the first time prior to 21 March 2024 and subsequent renewals of those policies are issued by The Hollard Insurance Company Pty Ltd ABN 78 090 584 473, AFSL 241436, arranged and administered by PetSure (Australia) Pty Ltd ABN 95 075 949 923, AFSL 420183 (PetSure) and promoted and distributed by The Hospitals Contribution Fund of Australia Limited ABN 68 000 026 746, AFSL 241414 (HCF). HCF Pet Insurance policies entered into for the first time on or after 21 March 2024 and subsequent renewals of those policies are issued by PetSure and promoted and distributed by HCF. Any advice provided is general only and does not take into account your individual objectives, financial situation or needs Please consider the Product Disclosure Statement (PDS) to ensure this product meets your needs before purchasing, or choosing to continue with the product. PDS and Target Market Determination available at hcf.com.au/petinsurance.
HCF Pet Insurance is not part of HCF's health insurance business. Please do not assume that pet insurance and health insurance are similar. HCF may receive a commission of up to 13% of the premium for promoting HCF Pet Insurance policies. HCF sales agents are paid a salary or wages but do not receive a commission or other payments attributable to the sale of HCF Pet Insurance. For more information contact HCF on 13 13 34.
Manchester Unity Pet Insurance is issued by The Hollard Insurance Company Pty Ltd ABN 78 090 584 473; AFSL 241436, is distributed by The Hospitals Contribution Fund of Australia Limited ABN 68 000 026 746, AFSL 241414, and arranged and administered by PetSure (Australia) Pty Ltd ABN 95 075 949 923, AFSL 420183. Manchester Unity Pet Insurance is closed to new customers and is only available for renewal by existing customers. Manchester Unity Pet Insurance is not part of HCF's health insurance business. Please do not assume that pet insurance and health insurance are similar. Any advice provided is general only and does not take into account your individual objectives, financial situation or needs. Please consider the Product Disclosure Statement and Target Market Determination (TMD) ensure this product meets your needs before you renew your cover.
+++ To access the discount code, log in to the My Membership app or online member services and go to the travel section of the HCF Thank You page to find the code. 25% discount applies to new policy purchases and is based on standard premium rates (including optional covers). It applies automatically upon successful input of the discount code and applies to any changes, upgrades or amendments made to the policy prior to commencement of the journey. The discount may apply to changes made after commencement of the journey, contact Allianz Global Assistance to find out more. Cannot be used in conjunction with, or in addition to any other discounts. No additional discounts will be provided to Members who already receive a Member discount. Please contact us for more information.
The Hospitals Contribution Fund of Australia Ltd ABN 68 000 026 746 AFSL 241414 (HCF) arranges this insurance as agent for AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 trading as Allianz Global Assistance (AGA). AGA arranges and manages travel insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz). Terms, conditions, exclusions, limits and applicable sub-limits apply. HCF, Allianz and AGA do not provide any advice on this insurance based on any consideration of your objectives, financial situation or needs. Because of that, you should consider whether the advice is appropriate for you. Before making a decision please consider the Product Disclosure Statement, the Financial Services Guide and Target Market Determination (TMD). The TMD is available at allianzpartners.com.au/policies. If you purchase a policy, HCF and AGA receive a commission which is a percentage of your premium - ask us for more details before we provide you with services.
### Eligibility criteria apply. For more information see hcf.com.au/victorchang
##### Based on Roy Morgan’s Risk Monitor Survey for the 12 months to June 2025.
^^^^ Waiting periods and annual limits apply. Before you start any program, check you're on eligible cover and the provider of the program is recognised by us. If you're unsure, call 13 13 34 or visit a branch.
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