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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.
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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.
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- Health programs
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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).
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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.
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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.
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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.
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Cover for PHYSIO
From flexible physio limits to over 4,000 recognised physio providers, get great value cover from Australia's largest not-for-profit health fund.
Why choose HCF for your physio needs?
For more access to holistic healthcare and lower out-of-pocket costs on extras like dental and optical, get extras cover from the fund that gives members more back#.
Claim on therapies like physio, chiro and osteo#### and more at recognised providers.
Enjoy flexible extras with HCF’s Flexi Extras range and choose how you use your limits on the services you need like physio.
Access to over 4,000 participating physios across Australia for lower out-of-pocket costs.
Get access to a range of health programs+ so you can be at your best and get back to doing more of the things you enjoy.
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.
More than just cover for physio with HCF extras
For more access to holistic health care and lower out-of-pocket costs on popular extras like dental, optical and more, get extras cover from the fund that gives members more back#.
Get 100% back~ on extras like 2 dental check-ups per year through our No-Gap network.
Claim on exercise classes and gym memberships when referred by your doctor or physio**.
Get 100%~ back on a range of prescription glasses^^ and free digital retinal imaging with your eye test through our No-Gap network.
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
Get 100% back~ on 2 dental check-ups per year and on a range of prescription glasses^^ 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+++.
My Membership app
Take the hassle out of your extras cover with fast, simple, secure access — anytime, anywhere. Make claims on the go, keep track of extras limits, remaining benefits and more all from your partner in your pocket###.
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 health insurance with physio cover?
Answers to commonly asked questions to help you make the right choice.
Physiotherapy (also known as physical therapy or physio) can help ease pain, improve movement, and enhance muscle condition. It helps repair damage, reduce stiffness and increase mobility, and improve the quality of life of people with a wide range of health conditions, like arthritis, chronic back or knee pain, and sports injuries.
Physiotherapy is versatile, covering everything from health promotion and injury prevention to rehabilitation and post-operative care. Treatments can vary depending on your health condition but may involve hands-on techniques like massage and heat treatment, or tailored exercise programs.
Physiotherapy is generally not covered by Medicare unless it’s part of a Chronic Disease Management Plan (CDMP) provided by your GP — and this is limited to 5 sessions per calendar year.
However, with HCF extras cover, you can claim on physio visits#### at HCF recognised providers until you've reached your benefits limit.
With HCF extras, the number of covered physio visits depends on your level of cover and annual limits. Visits are covered up to a specified amount until you’ve reached your annual limit. This annual limit is the maximum you can claim for extras, like physio, dental, chiro, remedial massage and more, and may include service limits on the number of claims you can make a year.
Higher levels of cover, like HCF Corporate Classic Premium Extras, give you greater amounts back per visit and higher limits on services - so you can visit the physio regularly and get more of the cost back across a calendar year.
To find a participating physio, dentist, chiro, optical provider and more, use our Find a Provider tool. This tool allows you to find and book appointments with trusted health specialists in our network, helping you get the care you need when you need it.
Physiotherapy (also known as physical therapy or physio) can help ease pain, improve movement, and enhance muscle condition. It helps repair damage, reduce stiffness and increase mobility, and improve the quality of life of people with a wide range of health conditions, like arthritis, chronic back or knee pain, and sports injuries.
Physiotherapy is versatile, covering everything from health promotion and injury prevention to rehabilitation and post-operative care. Treatments can vary depending on your health condition but may involve hands-on techniques like massage and heat treatment, or tailored exercise programs.
Physiotherapy is generally not covered by Medicare unless it’s part of a Chronic Disease Management Plan (CDMP) provided by your GP — and this is limited to 5 sessions per calendar year.
However, with HCF extras cover, you can claim on physio visits#### at HCF recognised providers until you've reached your benefits limit.
With HCF extras, the number of covered physio visits depends on your level of cover and annual limits. Visits are covered up to a specified amount until you’ve reached your annual limit. This annual limit is the maximum you can claim for extras, like physio, dental, chiro, remedial massage and more, and may include service limits on the number of claims you can make a year.
Higher levels of cover, like HCF Corporate Classic Premium Extras, give you greater amounts back per visit and higher limits on services - so you can visit the physio regularly and get more of the cost back across a calendar year.
To find a participating physio, dentist, chiro, optical provider and more, use our Find a Provider tool. This tool allows you to find and book appointments with trusted health specialists in our network, helping you get the care you need when you need it.
Physiotherapy (also known as physical therapy or physio) can help ease pain, improve movement, and enhance muscle condition. It helps repair damage, reduce stiffness and increase mobility, and improve the quality of life of people with a wide range of health conditions, like arthritis, chronic back or knee pain, and sports injuries.
Physiotherapy is versatile, covering everything from health promotion and injury prevention to rehabilitation and post-operative care. Treatments can vary depending on your health condition but may involve hands-on techniques like massage and heat treatment, or tailored exercise programs.
Physiotherapy is generally not covered by Medicare unless it’s part of a Chronic Disease Management Plan (CDMP) provided by your GP — and this is limited to 5 sessions per calendar year.
However, with HCF extras cover, you can claim on physio visits#### at HCF recognised providers until you've reached your benefits limit.
With HCF extras, the number of covered physio visits depends on your level of cover and annual limits. Visits are covered up to a specified amount until you’ve reached your annual limit. This annual limit is the maximum you can claim for extras, like physio, dental, chiro, remedial massage and more, and may include service limits on the number of claims you can make a year.
Higher levels of cover, like HCF Corporate Classic Premium Extras, give you greater amounts back per visit and higher limits on services - so you can visit the physio regularly and get more of the cost back across a calendar year.
To find a participating physio, dentist, chiro, optical provider and more, use our Find a Provider tool. This tool allows you to find and book appointments with trusted health specialists in our network, helping you get the care you need when you need it.
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.
~ 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/health-programs
# 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.
** Cover must include benefits for HCF approved health management programs. Exercise and gym fees are only claimable when the exercise program is designed to address or improve a specific health condition. Online programs (including those delivered through mobile apps) or recreational and competitive sports are excluded.
^^ 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). 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.
+++ 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.
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.
### 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.
#### 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.
##### Based on Roy Morgan’s Risk Monitor Survey for the 12 months to June 2025.
~~~ Waiting periods and annual limits apply.
% Waiting periods and annual limits apply. Excludes fluoride treatment on second check-up.
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