HCF Health Insurance
Join today and save 5%
Member Advantage has negotiated a 5% discount on Hospital and Extras products from HCF, Australia’s largest not-for-profit health fund. The 5% discount is applicable to all current Hospital and Extras products, for both new and existing HCF policies, provided you are on a preferred payment method of either direct debit or credit card.
When you apply through Member Advantage you will receive:
- 5% saving on the premiums for all current Hospital and Extras products
- 2 and 6 month waiting periods waived*
- Heart cover for top and mid-level hospital products
- No hospital excess for accident-related surgery or dependent children
- No hospital excess for same day treatment on top and mid-level hospital products
- Only one hospital excess applies per person per calendar year
|Request a quote |
Fill out a free assessment form
|Join online |
Complete an online application
|Already a member? |
Apply for your 5% discount
Download current HCF brochure
|Application form |
Download an application form
|Read our FAQs |
Commonly asked questions
Please refer to our FAQs for commonly asked questions regarding your application. To speak to one of our healthcare consultants, contact Member Advantage on 1300 853 352 or send your enquiry to firstname.lastname@example.org
Health Management Program
As a HCF member, you can enjoy your very own health coach.
Available online or over the phone, 24 hours a day 7 days a week - and
at no extra cost to members.
The program works alongside and supports your existing relationship with your GP and health professional. For more information click here
*Offer only available to new members taking out Hospital and Extras cover. Waiver does not apply to waiting periods of more than 6 months, including 12 months for obstetric services, or pre-existing ailments and conditions. Psychiatric, rehabilitation and palliative care services, which have a 2 month waiting period, are also excluded from this waiver offer.