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Health insurance for young adults

Whether you’re getting cover for the first time, switching or about to come off your family’s policy, find affordable health insurance that suits your budget and lifestyle.

Get a quote
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Why choose HCF for your health insurance?

With a range of health cover options to choose from, you can focus on living life to the fullest, knowing you’re covered by the fund that puts your health before profits.

A hand with coins icon.

Get 100% back~ on 2 dental check-ups per year and on a range of prescription glasses^ through our extensive No-Gap network.

An ambulance icon.

Get cover for emergency ambulance trips+ and enjoy the benefits of our top level hospital cover for up to 12 months if you’re in an accident#.

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Eligible members get access to a range of health programs** like mental health support and online GP consults at discounted rates^^.

Hospital files icon.

Choose the doctor and hospital you're treated in and lower your out-of-pocket costs though our extensive national provider network.

Find health cover options for young adults

I am looking for

single couple

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
Weekly Fortnightly Monthly Quarterly Half yearly Yearly

Hospital cover

HCF Corporate Care Bronze Plus Hospital

From $0.0* /week

From

$0.0* /week

Affordable hospital cover

Hospital excess

Hospital cover for the budget conscious, with cover for many essential treatments. 

  • Flexible excess options - choose from a $250, $500 or $750 excess. 
  • Cover for digestive system procedures, bone, joint and muscle procedures, and more.
  • Access to a great range of health programs**.

  • Cover for emergency ambulance transport to the nearest hospital by a State or Territory government ambulance provider (excludes transport from another hospital or medical facility), or on-the-spot treatment by paramedics. Benefits aren’t payable for ambulance services covered by a State or Territory government scheme.

    Waiting Period: 1 day

  • Non-emergency ambulance transport means transport by a State Government-provided ambulance that's requested because your medical condition requires a level of support and medical monitoring in transit that only an ambulance service can provide. Non-emergency ambulance transport must be requested by your treating doctor to be considered for an HCF benefit. Members can claim up to a maximum of $5,000 in a calendar year for non-emergency ambulance transport.

    Waiting Period: 2 months

  • Hospital treatment for physical rehabilitation for a patient related to surgery or illness. E.g. inpatient and admitted day patient rehabilitation, stroke recovery and cardiac rehabilitation.

    This is a service where Minimum Benefits apply, which means that we will pay the rate set out by the Commonwealth as the minimum shared room benefit, and benefits for Government approved Prostheses if applicable.

    Waiting Period: 2 months

  • Hospital treatment for the care and management of patients with psychiatric, mental health, addiction or behavioural disorders. E.g. mood disorders like depression, eating disorders, addiction recovery, and psychoses like schizophrenia.

    Members who have held hospital cover for at least 2 months and upgrade to Gold hospital cover to receive hospital psychiatric services as covered services may not be required to serve the waiting period for hospital psychiatric services. This exemption can only be accessed once in a member's lifetime.

    This is a service where Minimum Benefits apply, which means that we will pay the rate set out by the Commonwealth as the minimum shared room benefit, and benefits for Government approved Prostheses if applicable. Members who have held hospital cover for at least 2 months and upgrade to Gold hospital cover to receive hospital psychiatric services as covered services may not be required to serve the waiting period for hospital psychiatric services. This exemption can only be accessed once in a member's lifetime.

    Waiting Period: 2 months

  • Hospital treatment and care where the intent is primarily providing quality of life for a patient with a terminal illness, including treatment to alleviate and manage pain.

    This is a service where Minimum Benefits apply, which means that we will pay the rate set out by the Commonwealth as the minimum shared room benefit, and benefits for Government approved Prostheses if applicable.

    Waiting Period: 2 months

  • Hospital treatment to investigate and treat the brain and brain conditions, the spinal cord, and the peripheral nervous system. E.g. stroke, brain or spinal cord tumours, head injuries and Epilepsy and Parkinson’s disease.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat conditions affecting the eyes and eye socket contents, excluding cataracts. E.g. retinal detachment, tear duct conditions, eye infections and medically managed eye trauma.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for the investigation and treatment of the ear, nose, throat and related areas of the head and neck. E.g. damaged ear drum, sinus surgery, removal of foreign bodies, stapedectomy and throat cancer.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for the investigation and treatment of the tonsils, adenoids and insertion or removal of grommets. E.g. tonsillectomy and adenoidectomy.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for the investigation and treatment of diseases, disorders and injuries of the musculoskeletal system. E.g. carpal tunnel, fractures, hand surgery, joint fusion, bone spurs, osteomyelitis and surgery for bone cancer.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for the reconstruction of joints and associated structures. E.g. torn tendons, rotator cuff tears and damaged ligaments.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat kidney, adrenal gland, and bladder conditions. E.g. kidney stones, adrenal gland tumour and incontinence.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat the male reproductive system, including the prostate. E.g. male sterilisation, circumcision and prostate cancer.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat diseases and disorders affecting the digestive system. E.g. oesophageal cancer, irritable bowel syndrome, gallstones and haemorrhoids.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for the investigation and treatment of hernias and appendicitis. E.g. hernia operations and appendectomy.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate, diagnose and treat the gastrointestinal system internally using an endoscope. E.g. colonoscopy, gastroscopy and endoscopic retrograde cholangiopancreatography (ERCP).

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for the investigation and treatment of the female reproductive system. E.g. endometriosis, polycystic ovaries, female sterilisation and cervical cancer.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat a miscarriage or to terminate a pregnancy. E.g. dilation and curettage (D&C), management of ectopic pregnancy and surgical termination.

    Waiting Period: 2 months

  • Hospital treatment for chemotherapy, radiotherapy and immunotherapy to treat cancer or benign tumours.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for pain management that doesn’t need a device to be inserted or managed. E.g. treatment of nerve pain and chest pain due to cancer through procedures like nerve block injections.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for the investigation and treatment of skin-related conditions and nails. E.g. surgery to remove a melanoma, minor wound repair and abscesses.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat breast disorders and associated lymph nodes, and reconstruction and/or reduction after breast surgery or a preventative mastectomy. E.g. breast lesions, breast tumours, asymmetry due to breast cancer surgery, and gynecomastia.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and manage diabetes, excludes insulin pumps. E.g. stabilisation of hypo- or hyper-glycaemia and addressing contour problems caused by insulin injections.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat the heart, heart-related conditions, and the vascular system. E.g. heart failure, heart attack, monitoring of heart conditions, varicose veins and removal of plaque from arterial walls.

  • Hospital treatment to investigate and treat conditions affecting the lungs and chest. E.g. lung cancer, respiratory disorders like asthma and pneumonia, and trauma to the chest.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat blood-related conditions and disorders. E.g. blood clotting disorders and bone marrow transplants.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat the back, neck and spinal column, including spinal fusion. E.g. sciatica, prolapsed or herniated disc, spinal disc replacement, and spine curvature disorders like scoliosis.

  • Hospital treatment which is medically necessary for the investigation and treatment of any physical deformity, whether acquired as a result of illness or accident, or congenital. E.g. burns requiring a graft, cleft palate, club foot and angioma.

  • Hospital treatment for teeth and gum surgery. E.g. surgery to remove wisdom teeth and dental implant surgery.

    Waiting Period: 2 months
    (12 months pre-existing)

  • Hospital treatment for the investigation and treatment of conditions affecting the foot and/or ankle, provided by a registered podiatric surgeon.

  • Hospital treatment to correct hearing loss, including implantation of a prosthetic hearing device.

  • Hospital treatment for surgery to remove a cataract and replace it with an artificial lens.

  • Hospital treatment for surgery for joint replacements, including revisions, resurfacing, partial replacements and removal of prostheses. E.g. knee, hip, shoulder, wrist, finger, toe or ankle joint replacements.

  • Hospital treatment for dialysis to manage chronic kidney failure, including both haemodialysis and peritoneal dialysis.

  • Hospital treatment for investigation and treatment of conditions associated with pregnancy and childbirth. E.g. prenatal care, childbirth (vaginal or caesarean) and postnatal recovery.

  • Hospital treatment for fertility treatments or procedures. E.g. egg or sperm retrieval, In Vitro Fertilisation (IVF) and Gamete Intra-fallopian Transfer (GIFT).

  • Hospital treatment for surgery that’s designed to reduce a person’s weight, remove excess skin because of weight loss, and reverse a bariatric procedure. E.g. gastric bypass, sleeve gastrectomy and adjustable gastric banding.

  • Hospital treatment to provide and replace insulin pumps to treat diabetes, including certified Type C procedures and certified overnight Type C procedures to treat diabetes.

  • Hospital treatment to implant, replace, or for other surgical device management for pain treatment. E.g. nerve pain and back pain treatment, pain caused by coronary heart disease with a device.

  • Hospital treatment to investigate sleep patterns and anomalies. E.g. sleep apnoea and snoring.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • The waiting period for pre-existing ailments is 12 months. The waiting period for hospital psychiatric services, rehabilitation services and palliative care is 2 months. A pre-existing ailment, illness or condition is one where the signs or symptoms existed in the six months before joining HCF or upgrading your cover.

    Waiting Period: 12 months

View product summary

Hospital and extras cover

HCF Corporate Care Bronze Plus Hospital and HCF Corporate Classic Everyday Extras

From $0.0* /week

From

$0.0* /week

Price includes combined cover

Hospital excess

Hospital cover for many essential treatments and extras cover for core services. 

  • Cover for digestive system procedures, bone, joint and muscle procedures, and more.
  • Get 60% back on most included extras, including 100% back~ on 2 dental check-ups per year and on a range of prescription glasses^ through our No-Gap network. 
  • Cover for core services including major dental, physio and mental wellbeing support (excludes psychology).

  • Cover for emergency ambulance transport to the nearest hospital by a State or Territory government ambulance provider (excludes transport from another hospital or medical facility), or on-the-spot treatment by paramedics. Benefits aren’t payable for ambulance services covered by a State or Territory government scheme.

    Waiting Period: 1 day

  • Non-emergency ambulance transport means transport by a State Government-provided ambulance that's requested because your medical condition requires a level of support and medical monitoring in transit that only an ambulance service can provide. Non-emergency ambulance transport must be requested by your treating doctor to be considered for an HCF benefit. Members can claim up to a maximum of $5,000 in a calendar year for non-emergency ambulance transport.

    Waiting Period: 2 months

  • Hospital treatment for physical rehabilitation for a patient related to surgery or illness. E.g. inpatient and admitted day patient rehabilitation, stroke recovery and cardiac rehabilitation.

    This is a service where Minimum Benefits apply, which means that we will pay the rate set out by the Commonwealth as the minimum shared room benefit, and benefits for Government approved Prostheses if applicable.

    Waiting Period: 2 months

  • Hospital treatment for the care and management of patients with psychiatric, mental health, addiction or behavioural disorders. E.g. mood disorders like depression, eating disorders, addiction recovery, and psychoses like schizophrenia.

    Members who have held hospital cover for at least 2 months and upgrade to Gold hospital cover to receive hospital psychiatric services as covered services may not be required to serve the waiting period for hospital psychiatric services. This exemption can only be accessed once in a member's lifetime.

    This is a service where Minimum Benefits apply, which means that we will pay the rate set out by the Commonwealth as the minimum shared room benefit, and benefits for Government approved Prostheses if applicable. Members who have held hospital cover for at least 2 months and upgrade to Gold hospital cover to receive hospital psychiatric services as covered services may not be required to serve the waiting period for hospital psychiatric services. This exemption can only be accessed once in a member's lifetime.

    Waiting Period: 2 months

  • Hospital treatment and care where the intent is primarily providing quality of life for a patient with a terminal illness, including treatment to alleviate and manage pain.

    This is a service where Minimum Benefits apply, which means that we will pay the rate set out by the Commonwealth as the minimum shared room benefit, and benefits for Government approved Prostheses if applicable.

    Waiting Period: 2 months

  • Hospital treatment to investigate and treat the brain and brain conditions, the spinal cord, and the peripheral nervous system. E.g. stroke, brain or spinal cord tumours, head injuries and Epilepsy and Parkinson’s disease.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat conditions affecting the eyes and eye socket contents, excluding cataracts. E.g. retinal detachment, tear duct conditions, eye infections and medically managed eye trauma.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for the investigation and treatment of the ear, nose, throat and related areas of the head and neck. E.g. damaged ear drum, sinus surgery, removal of foreign bodies, stapedectomy and throat cancer.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for the investigation and treatment of the tonsils, adenoids and insertion or removal of grommets. E.g. tonsillectomy and adenoidectomy.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for the investigation and treatment of diseases, disorders and injuries of the musculoskeletal system. E.g. carpal tunnel, fractures, hand surgery, joint fusion, bone spurs, osteomyelitis and surgery for bone cancer.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for the reconstruction of joints and associated structures. E.g. torn tendons, rotator cuff tears and damaged ligaments.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat kidney, adrenal gland, and bladder conditions. E.g. kidney stones, adrenal gland tumour and incontinence.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat the male reproductive system, including the prostate. E.g. male sterilisation, circumcision and prostate cancer.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat diseases and disorders affecting the digestive system. E.g. oesophageal cancer, irritable bowel syndrome, gallstones and haemorrhoids.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for the investigation and treatment of hernias and appendicitis. E.g. hernia operations and appendectomy.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate, diagnose and treat the gastrointestinal system internally using an endoscope. E.g. colonoscopy, gastroscopy and endoscopic retrograde cholangiopancreatography (ERCP).

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for the investigation and treatment of the female reproductive system. E.g. endometriosis, polycystic ovaries, female sterilisation and cervical cancer.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat a miscarriage or to terminate a pregnancy. E.g. dilation and curettage (D&C), management of ectopic pregnancy and surgical termination.

    Waiting Period: 2 months

  • Hospital treatment for chemotherapy, radiotherapy and immunotherapy to treat cancer or benign tumours.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for pain management that doesn’t need a device to be inserted or managed. E.g. treatment of nerve pain and chest pain due to cancer through procedures like nerve block injections.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for the investigation and treatment of skin-related conditions and nails. E.g. surgery to remove a melanoma, minor wound repair and abscesses.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat breast disorders and associated lymph nodes, and reconstruction and/or reduction after breast surgery or a preventative mastectomy. E.g. breast lesions, breast tumours, asymmetry due to breast cancer surgery, and gynecomastia.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and manage diabetes, excludes insulin pumps. E.g. stabilisation of hypo- or hyper-glycaemia and addressing contour problems caused by insulin injections.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat the heart, heart-related conditions, and the vascular system. E.g. heart failure, heart attack, monitoring of heart conditions, varicose veins and removal of plaque from arterial walls.

  • Hospital treatment to investigate and treat conditions affecting the lungs and chest. E.g. lung cancer, respiratory disorders like asthma and pneumonia, and trauma to the chest.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat blood-related conditions and disorders. E.g. blood clotting disorders and bone marrow transplants.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat the back, neck and spinal column, including spinal fusion. E.g. sciatica, prolapsed or herniated disc, spinal disc replacement, and spine curvature disorders like scoliosis.

  • Hospital treatment which is medically necessary for the investigation and treatment of any physical deformity, whether acquired as a result of illness or accident, or congenital. E.g. burns requiring a graft, cleft palate, club foot and angioma.

  • Hospital treatment for teeth and gum surgery. E.g. surgery to remove wisdom teeth and dental implant surgery.

    Waiting Period: 2 months
    (12 months pre-existing)

  • Hospital treatment for the investigation and treatment of conditions affecting the foot and/or ankle, provided by a registered podiatric surgeon.

  • Hospital treatment to correct hearing loss, including implantation of a prosthetic hearing device.

  • Hospital treatment for surgery to remove a cataract and replace it with an artificial lens.

  • Hospital treatment for surgery for joint replacements, including revisions, resurfacing, partial replacements and removal of prostheses. E.g. knee, hip, shoulder, wrist, finger, toe or ankle joint replacements.

  • Hospital treatment for dialysis to manage chronic kidney failure, including both haemodialysis and peritoneal dialysis.

  • Hospital treatment for investigation and treatment of conditions associated with pregnancy and childbirth. E.g. prenatal care, childbirth (vaginal or caesarean) and postnatal recovery.

  • Hospital treatment for fertility treatments or procedures. E.g. egg or sperm retrieval, In Vitro Fertilisation (IVF) and Gamete Intra-fallopian Transfer (GIFT).

  • Hospital treatment for surgery that’s designed to reduce a person’s weight, remove excess skin because of weight loss, and reverse a bariatric procedure. E.g. gastric bypass, sleeve gastrectomy and adjustable gastric banding.

  • Hospital treatment to provide and replace insulin pumps to treat diabetes, including certified Type C procedures and certified overnight Type C procedures to treat diabetes.

  • Hospital treatment to implant, replace, or for other surgical device management for pain treatment. E.g. nerve pain and back pain treatment, pain caused by coronary heart disease with a device.

  • Hospital treatment to investigate sleep patterns and anomalies. E.g. sleep apnoea and snoring.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • The waiting period for pre-existing ailments is 12 months. The waiting period for hospital psychiatric services, rehabilitation services and palliative care is 2 months. A pre-existing ailment, illness or condition is one where the signs or symptoms existed in the six months before joining HCF or upgrading your cover.

    Waiting Period: 12 months

  • Annual limit: $180

    Spectacle frames: 100% back up to annual limit

    Spectacle lenses - pair (excludes add-ons such as high index material, coatings and tinting): 100% back up to annual limit

    Contact lenses - pair: 100% back up to annual limit

  • Annual limit: $450

    2 dental check-ups a year with 100% back at More for Teeth dentists in our No-Gap network that doesn’t count towards your annual limits (excludes fluoride treatment on second check-up)

    For example:

    Examinations: 60% back up to annual limit

    Removal of plaque / calculus: 60% back up to annual limit

    Single film x-rays: 60% back up to annual limit

    Direct fillings: 60% back up to annual limit

  • Annual limit: $450

    For example:

    Surgical extractions: 60% back up to annual limit

    Indirect fillings: 60% back up to annual limit

    Treatment of root canals: 60% back up to annual limit

    Placing of crowns and bridges: 60% back up to annual limit

  • Annual limit: $0

    Orthodontics: 0% back up to annual limit

  • Annual limit: $250

    Physiotherapy: 60% back up to annual limit

    Exercise physiology: 60% back up to annual limit

  • Annual limit: $0

    Chiropractic: 0% back up to annual limit

    Osteopathy: 0% back up to annual limit

  • Annual limit: $0

    Podiatry consultation: 0% back up to annual limit

    Orthotist/Prosthetist and Pedorthist consultation: 0% back up to annual limit

  • Annual limit: $0

    Audiology: 0% back up to annual limit

  • Annual limit: $0

    Speech pathology: 0% back up to annual limit

  • Annual limit: $0

    Occupational therapy: 0% back up to annual limit

  • Annual limit: $0

    Dietetics: 0% back up to annual limit

  • Annual limit: $0

    Orthoptic therapy: 0% back up to annual limit

  • Annual limit: $100

    Psychology (includes group consultations): 0% back up to annual limit

    HCF-approved counselling & accredited mental health social worker includes group consultations: 60% back up to annual limit

    HCF-approved Online Cognitive Behavioural Therapy courses: 100% back up to annual limit

  • Annual limit: $0

    Remedial massage and myotherapy: 0% back up to annual limit

  • Annual limit: $0

    Acupuncture and Chinese herbal medicine consultation: 0% back up to annual limit

  • Annual limit: $0

    HCF approved pharmacy (After PBS equivalent co-payment subtracted): 0% back up to annual limit

  • Annual limit: $0

    Vaccines - HCF-approved: 0% back up to annual limit

  • Annual limit: $0

    Artificial aids HCF approved e.g. low vision aids: 0% back up to annual limit

  • Annual limit: $0

    Hearing aids: 0% back up to annual limit

  • Annual limit: $125

    HCF-approved e.g. exercise classes, Pilates, yoga, tai-chi, weight management, perimenopause/menopause health check: 60% back up to annual limit

  • Annual limit: $0

    Prenatal/antenatal services - Pregnancy compression garments, childbirth education and lactation consultation: 0% back up to annual limit

  • Tops up your annual limit by $250, per person per calendar year, when claiming as a result of an accident^^.

    ^^ Can be used for 2 years after the accident provided you make the first extras claim within 6 months of the accident.

    Accident benefit: 60% back up to annual limit

  • Annual limit: $0

    Travel and Accommodation (200km round trip): 0% back up to annual limit

View product summary

Extras cover

HCF Corporate Classic Advanced Extras

From $0.0* /week

From

$0.0* /week

Great value extras cover

Extras that covers more than the core services, including remedial massage, psychology and more.

  • 100% back~ on a range of prescription glasses^ at More for Eyes providers.
  • Get 60% back on most services, up to your annual limits++++.
  • Additional support through a range of health programs like mental health, weight management, heart and diabetes health checks and sleep**.

  • Annual limit: $200

    Spectacle frames: 100% back up to annual limit

    Spectacle lenses - pair (excludes add-ons such as high index material, coatings and tinting): 100% back up to annual limit

    Contact lenses - pair: 100% back up to annual limit

  • Annual limit: $500

    2 dental check-ups a year with 100% back at More for Teeth dentists in our No-Gap network that doesn’t count towards your annual limits (excludes fluoride treatment on second check-up)

    For example:

    Examinations: 60% back up to annual limit

    Removal of plaque / calculus: 60% back up to annual limit

    Single film x-rays: 60% back up to annual limit

    Direct fillings: 60% back up to annual limit

  • Annual limit: $500

    For example:

    Surgical extractions: 60% back up to annual limit

    Indirect fillings: 60% back up to annual limit

    Treatment of root canals: 60% back up to annual limit

    Placing of crowns and bridges: 60% back up to annual limit

  • Annual limit: $0

    Orthodontics: 0% back up to annual limit

  • Annual limit: $300

    Physiotherapy: 60% back up to annual limit

    Exercise physiology: 60% back up to annual limit

  • Annual limit: $0

    Chiropractic: 0% back up to annual limit

    Osteopathy: 0% back up to annual limit

  • Annual limit: $0

    Podiatry consultation: 0% back up to annual limit

    Orthotist/Prosthetist and Pedorthist consultation: 0% back up to annual limit

  • Annual limit: $0

    Audiology: 0% back up to annual limit

  • Annual limit: $0

    Speech pathology: 0% back up to annual limit

  • Annual limit: $0

    Occupational therapy: 0% back up to annual limit

  • Annual limit: $200

    Dietetics: 60% back up to annual limit

  • Annual limit: $0

    Orthoptic therapy: 0% back up to annual limit

  • Annual limit: $200

    Psychology (includes group consultations): 60% back up to annual limit

    HCF-approved counselling & accredited mental health social worker includes group consultations: 60% back up to annual limit

    HCF-approved Online Cognitive Behavioural Therapy courses: 100% back up to annual limit

  • Combined annual limit for Remedial massage, Myotherapy, Acupuncture and Chinese herbal medicine consultations: $200

    Remedial massage and myotherapy: 60% back up to annual limit

  • Combined annual limit for Remedial massage, Myotherapy, Acupuncture and Chinese herbal medicine consultations: $200

    Acupuncture and Chinese herbal medicine consultation: 60% back up to annual limit

  • Annual limit: $0

    HCF approved pharmacy (After PBS equivalent co-payment subtracted): 0% back up to annual limit

  • Annual limit: $100

    Vaccines - HCF-approved: 60% back up to annual limit

  • Annual limit: $0

    Artificial aids HCF approved e.g. low vision aids: 0% back up to annual limit

  • Annual limit: $0

    Hearing aids: 0% back up to annual limit

  • Annual limit: $150

    HCF-approved e.g. exercise classes, Pilates, yoga, tai-chi, weight management, perimenopause/menopause health check: 60% back up to annual limit

  • Annual limit: $0

    Prenatal/antenatal services - Pregnancy compression garments, childbirth education and lactation consultation: 0% back up to annual limit

  • Tops up your annual limit by $300, per person per calendar year, when claiming as a result of an accident^^.

    ^^ Can be used for 2 years after the accident provided you make the first extras claim within 6 months of the accident.

    Accident benefit: 60% back up to annual limit

  • Annual limit: $0

    Travel and Accommodation (200km round trip): 0% back up to annual limit

View product summary

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.

Get a quote

More benefits of health insurance for young adults

Enjoy more flexibility with your healthcare, access to holistic health support and additional savings, with peace of mind that your health and wellbeing needs are covered.

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Get more value from your extras cover with our range of flexible extras. Choose from Flexi Extras or Select Extras range and enjoy extras cover that gives you more choice and meets your budget.

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Hospital cover could help you save on tax by avoiding the Medicare Levy Surcharge if your income is above a certain threshold.

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Access offers and everyday savings on e-Gift cards at over 100 retailers like Rebel, JB Hi-Fi and Priceline through our loyalty rewards program HCF Thank You***.

Get a quote
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What’s Lifetime Health Cover (LHC) loading?

LHC loading is a government initiative that rewards Australians for taking out private hospital cover before they turn 31. After this age, a 2% loading is added to your premium for every year you go without cover – potentially increasing costs by up to 70% for 10 years.

Learn more about LHC loading

Do I need hospital, extras cover or both?

A illustration of a girl holding two cases with a medical cover and a dental cover icon.

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.

View hospital and extras
Two hospital buildings with teal clouds.

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.

View hospital cover 
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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.

View extras cover
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Offers and discounts

We help young adults save more. Members can save an average of $900^^^ a year on groceries, fuel and movie tickets through discounted e-Gift cards, plus discounts on pet+++ and travel insurance###.

Explore more HCF member benefits
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Holistic health support

Young adults with eligible cover can access a range of health programs**, including mental health support, preventative skin and heart health screenings**** and online GP consults discounted rates^^.

Discover holistic health programs

Start claiming on popular services with extras cover

Choose extras cover to help lower costs of everyday health services generally not covered by Medicare like general dental, optical and physio from the fund that gives members more back in benefits for every dollar spent on premiums^^^^.

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Dental

Access one of Australia’s largest dental provider networks with HCF extras and enjoy no-gap arrangements with over 11,000 dentists.

See the benefits
Man trying on glasses at an eyecare centre.

Optical

HCF extras cover gives you access to 100% back~ on a range of prescription glasses^ and free digital retinal imaging with your eye test at More For Eyes providers.

Find out more
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Therapies

Claim on therapies like physio, chiro and osteo++++ and more through recognised providers.

Learn more

Award-winning insurance trusted by more than 2 million Australians

Canstar 2025 outstanding value for health insurance award logo.
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).

Roy Morgan 2025 most trusted brand for private health insurance award logo.
Australia’s most trusted health fund 2025

We're Roy Morgan’s 2025 Most Trusted Private Health Insurance Brand#####. 

A finder 2024 hospital cover award logo.
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.

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Need help to find the right health insurance for young adults?

Answers to commonly asked questions to help you make the right choice.

The right age to get private health insurance in Australia can depend on someone’s individual needs, lifestyle, and financial situation, but if you’re under 30, these are some key factors that might help with your decision.

  • Lifetime Health Cover (LHC) loading: if you don’t have private hospital insurance by July 1 after turning 31, you may face a 2% loading fee on top of your premium for every year you don’t have hospital cover – potentially increasing costs by up to 70% for 10 years. 
  • Avoiding the Medicare Levy Surcharge (MLS): you may be required to pay an additional tax of between 1% and 1.5% of your individual income if it’s above the specified threshold of $101,000 for singles, if you don't have hospital cover. 
  • Accessing everyday health services: many young adults take out extras cover for services like dental, optical and physio. These services are generally not covered by Medicare and can help lower your out-of-pocket costs. Watch the video below to learn more about the benefits of having health insurance as a young adult.

Watch the video below to learn more about the benefits of having health insurance as a young adult.

Watch video

To make healthcare more affordable for families, kids, also known as dependants, can stay on family private health insurance until they turn 31, provided:

  • they’re a full-time student
  • not married or in a de facto relationship
  • still rely on their parents for maintenance and support.

If you’re currently listed on your parents' private health insurance, you’ll need to either come off that policy or get Extended Family Cover when you turn 31 or stop full-time study (whichever comes first).

If you’re not a full-time student but still meet the other criteria, you can stay on your parents’ family cover until you turn 31 on selected products that have Extended Family Cover, but a surcharge will apply.

Learn more about family cover

If you take out your own cover within 30 days of leaving your family cover, you won't have to re-serve any waiting periods if you need to make a claim for treatments or services that you’re currently covered for on your family’s health cover – provided that your new policy also covers those treatments or services.

You’ll need to call us or visit a branch to make sure you’re covered. If you’re purchasing cover for the first time and weren’t on family private health cover before, you’ll need to serve a waiting period, which can range from 2 months, for services like general dental or up to 12 months for some hospital treatments, before you can claim benefits.

Yes, you and your partner can have separate singles health insurance policies if you prefer. You’re not required to take out a couples policy if you don’t want to. This gives you both the flexibility to tailor your coverage to your individual needs, ensuring each of you gets the specific coverage that suits you, including any limits or benefits that might not apply to your partner.

Compare singles health cover at HCF

No, you’re not locked into a contract. You can change to a higher or lower level of cover or cancel your cover at any time. If you change your cover, you may need to serve waiting periods on services or treatments. If you change your mind and decide to cancel within 30 days of joining, and haven't made a claim in that period, you’ll receive a full refund on your hospital or extras cover – because we want you to be happy with your health cover choice.

The right age to get private health insurance in Australia can depend on someone’s individual needs, lifestyle, and financial situation, but if you’re under 30, these are some key factors that might help with your decision.

  • Lifetime Health Cover (LHC) loading: if you don’t have private hospital insurance by July 1 after turning 31, you may face a 2% loading fee on top of your premium for every year you don’t have hospital cover – potentially increasing costs by up to 70% for 10 years. 
  • Avoiding the Medicare Levy Surcharge (MLS): you may be required to pay an additional tax of between 1% and 1.5% of your individual income if it’s above the specified threshold of $101,000 for singles, if you don't have hospital cover. 
  • Accessing everyday health services: many young adults take out extras cover for services like dental, optical and physio. These services are generally not covered by Medicare and can help lower your out-of-pocket costs. Watch the video below to learn more about the benefits of having health insurance as a young adult.

Watch the video below to learn more about the benefits of having health insurance as a young adult.

Watch video

To make healthcare more affordable for families, kids, also known as dependants, can stay on family private health insurance until they turn 31, provided:

  • they’re a full-time student
  • not married or in a de facto relationship
  • still rely on their parents for maintenance and support.

If you’re currently listed on your parents' private health insurance, you’ll need to either come off that policy or get Extended Family Cover when you turn 31 or stop full-time study (whichever comes first).

If you’re not a full-time student but still meet the other criteria, you can stay on your parents’ family cover until you turn 31 on selected products that have Extended Family Cover, but a surcharge will apply.

Learn more about family cover

If you take out your own cover within 30 days of leaving your family cover, you won't have to re-serve any waiting periods if you need to make a claim for treatments or services that you’re currently covered for on your family’s health cover – provided that your new policy also covers those treatments or services.

You’ll need to call us or visit a branch to make sure you’re covered. If you’re purchasing cover for the first time and weren’t on family private health cover before, you’ll need to serve a waiting period, which can range from 2 months, for services like general dental or up to 12 months for some hospital treatments, before you can claim benefits.

Yes, you and your partner can have separate singles health insurance policies if you prefer. You’re not required to take out a couples policy if you don’t want to. This gives you both the flexibility to tailor your coverage to your individual needs, ensuring each of you gets the specific coverage that suits you, including any limits or benefits that might not apply to your partner.

Compare singles health cover at HCF

No, you’re not locked into a contract. You can change to a higher or lower level of cover or cancel your cover at any time. If you change your cover, you may need to serve waiting periods on services or treatments. If you change your mind and decide to cancel within 30 days of joining, and haven't made a claim in that period, you’ll receive a full refund on your hospital or extras cover – because we want you to be happy with your health cover choice.

What age should I get private health insurance? How long can a child stay on their parents' health insurance policy in Australia? Are there any waiting periods if I take out my own cover? Can my partner and I get separate singles health insurance policies? Am I locked into a contract?

To make healthcare more affordable for families, kids, also known as dependants, can stay on family private health insurance until they turn 31, provided:

  • they’re a full-time student
  • not married or in a de facto relationship
  • still rely on their parents for maintenance and support.

If you’re currently listed on your parents' private health insurance, you’ll need to either come off that policy or get Extended Family Cover when you turn 31 or stop full-time study (whichever comes first).

If you’re not a full-time student but still meet the other criteria, you can stay on your parents’ family cover until you turn 31 on selected products that have Extended Family Cover, but a surcharge will apply.

Learn more about family cover

If you take out your own cover within 30 days of leaving your family cover, you won't have to re-serve any waiting periods if you need to make a claim for treatments or services that you’re currently covered for on your family’s health cover – provided that your new policy also covers those treatments or services.

You’ll need to call us or visit a branch to make sure you’re covered. If you’re purchasing cover for the first time and weren’t on family private health cover before, you’ll need to serve a waiting period, which can range from 2 months, for services like general dental or up to 12 months for some hospital treatments, before you can claim benefits.

Yes, you and your partner can have separate singles health insurance policies if you prefer. You’re not required to take out a couples policy if you don’t want to. This gives you both the flexibility to tailor your coverage to your individual needs, ensuring each of you gets the specific coverage that suits you, including any limits or benefits that might not apply to your partner.

Compare singles health cover at HCF

No, you’re not locked into a contract. You can change to a higher or lower level of cover or cancel your cover at any time. If you change your cover, you may need to serve waiting periods on services or treatments. If you change your mind and decide to cancel within 30 days of joining, and haven't made a claim in that period, you’ll receive a full refund on your hospital or extras cover – because we want you to be happy with your health cover choice.

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

^ 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.

# Must visit the emergency department within 24 hours of the accident. See hcf.com.au/accident-safeguard for more information.

** Eligibility criteria apply. For more information see hcf.com.au/health-programs

^^ Some members may be eligible for Medicare benefits for a telehealth consultation with GP2U. For all other members with HCF hospital and/or extras cover, HCF will cover a standard GP consultation up to 10 minutes for a fee of $50 with GP2U. 15 minute consults are available to members with HCF hospital and/or extras cover, who live in a non-metropolitan MMM2-MMM7 classified postcode. Excludes Accident Only, Ambulance Only and Overseas Visitors Health Cover. Eligible members under 16 years old may need to have a parent or guardian present. If you have any questions about this eligibility criteria, please email welbeing@hcf.com.au

*** 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.

^^^ Based on discounts available through HCF partners (Aug 2023) and average category spend from ABS Household Expenditure Survey, Australia (2017).

+++ 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 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

^^^^ 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.

++++ Waiting periods and annual limits apply.

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

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