Jump to main navigation Jump to main content Sales enquiry 1800 062 063 Mon - Fri: 8am - 8pm (AEST / AEDT) Sat: 9am - 4pm (AEST / AEDT) Existing members: 13 13 34 Mon - Fri: 8am - 8pm (AEST / AEDT) Sat: 9am - 1pm (AEST / AEDT) Mon - Fri: 8am - 8pm (AEST / AEDT) Sat: 9am - 4pm (AEST / AEDT) Existing members: 13 13 34 Mon - Fri: 8am - 8pm (AEST / AEDT) Sat: 9am - 1pm (AEST / AEDT) Health programs Chat to us Contact us Sales enquiry 1800 062 063 Mon - Fri: 8am - 8pm (AEST / AEDT) Sat: 9am - 4pm (AEST / AEDT) Existing members: 13 13 34 Mon - Fri: 8am - 8pm (AEST / AEDT) Sat: 9am - 1pm (AEST / AEDT) Sales enquiry 1800 062 063 Mon - Fri: 8am - 8pm (AEST / AEDT) Sat: 9am - 4pm (AEST / AEDT) Existing members: 13 13 34 Mon - Fri: 8am - 8pm (AEST / AEDT) Sat: 9am - 1pm (AEST / AEDT) Mon - Fri: 8am - 8pm (AEST / AEDT) Sat: 9am - 4pm (AEST / AEDT) Existing members: 13 13 34 Mon - Fri: 8am - 8pm (AEST / AEDT) Sat: 9am - 1pm (AEST / AEDT) 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 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 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. 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 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 Corporate health search Find a provider Health programs Get a quote Find out more 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 Corporate health search Find a provider Health programs Get a quote Find out more Discover the benefits of private health insurance for you and your family, including comprehensive health support and how to find a provider near you. 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 Corporate health search Find a provider Health programs Get a quote Find out more Overseas Health Cover 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). Search for my visa Compare covers Why you need OVHC Make a claim Find a hospital or doctor Online GP consultations Get a quote Find out more 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). Search for my visa Compare covers Why you need OVHC Make a claim Find a hospital or doctor Online GP consultations Get a quote Find out more Overseas Visitors Health Insurance (OVHC) 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). 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). Search for my visa Why you need OVHC Find a hospital or doctor Online GP consultations 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 Compare Life Insurance and Recover Cover Income Protect Insurance Life Protect Insurance Critical Illness Insurance Find out more 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 Compare Life Insurance and Recover Cover Income Protect Insurance Life Protect Insurance Critical Illness Insurance Find out more HCF Life and Recover Cover 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. 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 Compare Life Insurance and Recover Cover Income Protect Insurance Life Protect Insurance Critical Illness Insurance Travel Travel Prepare for the unexpected with HCF Travel Insurance. Designed to provide cover for delayed luggage, overseas medical emergencies and more for singles, duos and families. Find out more Travel Prepare for the unexpected with HCF Travel Insurance. Designed to provide cover for delayed luggage, overseas medical emergencies and more for singles, duos and families. Find out more Prepare for the unexpected with HCF Travel Insurance. Designed to provide cover for delayed luggage, overseas medical emergencies and more for singles, duos and families. Prepare for the unexpected with HCF Travel Insurance. Designed to provide cover for delayed luggage, overseas medical emergencies and more for singles, duos and families. Pet, Home & Car Pet, Home & Car From furry friends to your home and the four wheels guiding you back to your loved ones, find pet insurance, as well as home and car cover options. Pet Home & Contents Landlord Car Pet, Home & Car From furry friends to your home and the four wheels guiding you back to your loved ones, find pet insurance, as well as home and car cover options. Pet Home & Contents Landlord Car Pet, Home & Car Pet, Home & Car From furry friends to your home and the four wheels guiding you back to your loved ones, find pet insurance, as well as home and car cover options. From furry friends to your home and the four wheels guiding you back to your loved ones, find pet insurance, as well as home and car cover options. Home & Contents 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 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 Learn more about Australia’s largest not-for-profit health fund, how we reward our members, HCF benefits, partnerships, research initiatives and more. Learn more about Australia’s largest not-for-profit health fund, how we reward our members, HCF benefits, partnerships, research initiatives and more. Member care services Research Foundation Loyalty program As Australia’s largest not-for-profit health fund, we put our members' health first. That’s why we offer a range of holistic health programs to give members the support they need wherever they're at in their health journey. We’re here for you on your health journey Free mental wellbeing check-in Members with hospital cover can get faster, easier access to registered psychologists with a free annual HealthyMinds Check-in * from one of our partners. A GP at your fingertips Access a range of services like medical certificates, prescription medicines and referrals with GP2U ^ at discounted rates. Preventative health checks Stay on top of your health with preventative skin, heart and diabetes health screenings + . Online psychological support Extras cover gives members access to a range of treatment programs to improve mental challenges like stress, anxiety and depression. Maintain a healthier weight Join the evidence-based CSIRO Total Wellbeing Diet # and learn how to improve lifestyle habits. Save on general health needs Members with cover for health management programs can also save on gym memberships, weight loss programs and more ** . GET GOING, KEEP GOING WITH THE HCF HEALTHFUL APP Find your personalised Health Score and improve your overall health and wellbeing. Track and manage your health in real-time with help from a 24/7 digital coach. Set practical goals and connect to evidence-based health programs to help you achieve them. Manage your health Feel supported every step of the way with programs designed to help eligible members build healthier, lasting habits. Health Coaching Get personalised support from qualified health coaches to help manage chronic conditions like lower back pain and knee osteoarthritis to improve wellbeing ~ . Heart health and diabetes Access a range of preventative and management programs to support heart conditions or diabetes, like The COACH Program ^^ , Cardihab ^^ and more. Work towards reducing joint pain, improving mobility and getting back to doing more of the things you enjoy with our joint health programs ++ . Weight management Develop healthier habits, manage your weight and prevent the risk of health conditions with evidence-based programs to help you work towards your goals. health programs for the family Find the right support for you and your loved ones with health programs and resources designed for the family. Online GP consultations Access a range of services like medical certificates, prescription medicines and referrals with GP2U ^ at discounted rates. Mental wellbeing support for kids Kids aged 4 to 11 can access educational and support programs to help them manage their big feelings and emotional challenges with Calm Kid Central ## . Healthy eating for families Families with kids aged 0 to 17 can access healthy eating resources to keep children healthy and support their nutritional needs *** . Mental wellbeing support We’ve brought together a range of programs to support your mental wellbeing, no matter what life brings, giving you the freedom to choose what works best for you. Identify sleep issues, build better sleeping habits, and access personalised tools through our partnership with Sleepfit Solutions ^^^ . Mental health support To help you and your family look after your mental wellbeing, eligible members can access one annual confidential HealthyMinds Check-in * from one of our partners at no cost. Alcohol support Get anonymous access to a supportive environment and community, to set and work towards alcohol related behaviour-change goals and additional mental health support +++ . Looking for more health resources? Preparing for hospital guides Prepare for hospital with our guides, learn about common procedures and check average out-of-pocket costs for members with our cost indicator tool. Health insights and inspiration Get expert insights on improving your overall health, learn about health conditions and treatments, and read real-life stories.

Eligible members can rely on our network of Australian-based medical specialists to get a free second opinion on a health condition you’re worried about ### . Looking for more information about our health programs? We've answered some common questions to help you get the information you need. What are HCF’s health programs? How do I know if I’m eligible for a health program? Does HCF have a provider near me? On top of health programs, what other resources or support does HCF offer? Does HCF offer treatment at home options? We offer a wide range holistic health programs , including mental wellbeing, health management, and family and kids support programs to help eligible members stay healthy, reach their health goals and manage health conditions. We’re committed to investing in new ways to support them on their health journey. Access to our health programs will depend on: your level of hospital cover your level of extras cover your age (specifically for kids or family programs) if you have a pre-existing condition (like diabetes or a heart condition) if you’ve been referred by a clinician. Some health and wellbeing programs like the HealthyMinds mental wellbeing check-in * are available to all HCF members with hospital cover. If there’s a particular health program you’re looking for, check what’s included under the program’s eligibility that can be found on their dedicated webpage. Find health insurance cover We’ve partnered with hundreds of medical specialists, hospitals and extras providers across Australia to help members lower their out-of-pocket costs, access and find the health support they’re looking for. Choosing one of our participating providers can help reduce your costs for medical treatments while in hospital and lower your out-of-pocket costs on extras like dental, physio, chiro, osteo and remedial massage. We also have HCF Dental Centres across Sydney, Melbourne, Brisbane, and Canberra, along with HCF Eyecare Centres in Sydney, so you can access a wide range of affordable and high-quality dental and optical services as an HCF member. Find a provider near you * * Our network of healthcare providers changes often. Please check that your provider is part of our network before you book or attend an appointment. Except for HCF Dental or Eye Centres, HCF is not responsible for the conduct of any provider and does not endorse them. At HCF, we want to help members make informed decisions about their health no matter where they’re at in their health journey. Our medical resources, like free heart and diabetes health checks for eligible members + , are designed to give you the insights and information you need to feel reassured when it comes to your healthcare. See more medical resources Yes, HCF offers treatment at home options for eligible members **** through our network of hospital treatment substitute providers. This allows members to receive certain treatments in the comfort of their home rather than in a hospital. Some of these treatments include: intravenous (IV) therapy antibiotics complex wound care with negative pressure wound therapy rehabilitation after a hip or knee replacement IV chemotherapy. See our treatment at home providers We offer a wide range holistic health programs , including mental wellbeing, health management, and family and kids support programs to help eligible members stay healthy, reach their health goals and manage health conditions. We’re committed to investing in new ways to support them on their health journey. Access to our health programs will depend on: your level of hospital cover your level of extras cover your age (specifically for kids or family programs) if you have a pre-existing condition (like diabetes or a heart condition) if you’ve been referred by a clinician. Some health and wellbeing programs like the HealthyMinds mental wellbeing check-in * are available to all HCF members with hospital cover. If there’s a particular health program you’re looking for, check what’s included under the program’s eligibility that can be found on their dedicated webpage. Find health insurance cover We’ve partnered with hundreds of medical specialists, hospitals and extras providers across Australia to help members lower their out-of-pocket costs, access and find the health support they’re looking for. Choosing one of our participating providers can help reduce your costs for medical treatments while in hospital and lower your out-of-pocket costs on extras like dental, physio, chiro, osteo and remedial massage. We also have HCF Dental Centres across Sydney, Melbourne, Brisbane, and Canberra, along with HCF Eyecare Centres in Sydney, so you can access a wide range of affordable and high-quality dental and optical services as an HCF member. Find a provider near you * * Our network of healthcare providers changes often. Please check that your provider is part of our network before you book or attend an appointment. Except for HCF Dental or Eye Centres, HCF is not responsible for the conduct of any provider and does not endorse them. At HCF, we want to help members make informed decisions about their health no matter where they’re at in their health journey. Our medical resources, like free heart and diabetes health checks for eligible members + , are designed to give you the insights and information you need to feel reassured when it comes to your healthcare. See more medical resources Yes, HCF offers treatment at home options for eligible members **** through our network of hospital treatment substitute providers. This allows members to receive certain treatments in the comfort of their home rather than in a hospital. Some of these treatments include: intravenous (IV) therapy antibiotics complex wound care with negative pressure wound therapy rehabilitation after a hip or knee replacement IV chemotherapy. See our treatment at home providers We offer a wide range holistic health programs , including mental wellbeing, health management, and family and kids support programs to help eligible members stay healthy, reach their health goals and manage health conditions. We’re committed to investing in new ways to support them on their health journey. Access to our health programs will depend on: your level of hospital cover your level of extras cover your age (specifically for kids or family programs) if you have a pre-existing condition (like diabetes or a heart condition) if you’ve been referred by a clinician. Some health and wellbeing programs like the HealthyMinds mental wellbeing check-in * are available to all HCF members with hospital cover. If there’s a particular health program you’re looking for, check what’s included under the program’s eligibility that can be found on their dedicated webpage. Find health insurance cover We’ve partnered with hundreds of medical specialists, hospitals and extras providers across Australia to help members lower their out-of-pocket costs, access and find the health support they’re looking for. Choosing one of our participating providers can help reduce your costs for medical treatments while in hospital and lower your out-of-pocket costs on extras like dental, physio, chiro, osteo and remedial massage. We also have HCF Dental Centres across Sydney, Melbourne, Brisbane, and Canberra, along with HCF Eyecare Centres in Sydney, so you can access a wide range of affordable and high-quality dental and optical services as an HCF member. Find a provider near you * * Our network of healthcare providers changes often. Please check that your provider is part of our network before you book or attend an appointment. Except for HCF Dental or Eye Centres, HCF is not responsible for the conduct of any provider and does not endorse them. At HCF, we want to help members make informed decisions about their health no matter where they’re at in their health journey. Our medical resources, like free heart and diabetes health checks for eligible members + , are designed to give you the insights and information you need to feel reassured when it comes to your healthcare. See more medical resources Yes, HCF offers treatment at home options for eligible members **** through our network of hospital treatment substitute providers. This allows members to receive certain treatments in the comfort of their home rather than in a hospital. Some of these treatments include: intravenous (IV) therapy antibiotics complex wound care with negative pressure wound therapy rehabilitation after a hip or knee replacement IV chemotherapy. See our treatment at home providers Important Information * Eligibility criteria applies. See hcf.com.au/mental-support for more information. ^ Eligibility criteria applies. For more information see hcf.com.au/gp2u + Eligibility criteria applies. For more information see hcf.com.au/victorchang # Eligibility criteria applies. For more information see hcf.com.au/csiro-total-wellbeing-diet ** Eligibility criteria applies. For more information see hcf.com.au/manage-your-health ~ Eligible members must have held hospital cover for 12 months (excluding Accident Only Basic and Overseas Visitors Health Cover). Clinical eligibility criteria also apply. ^^ Eligibility criteria apply. For more information visit hcf.com.au/heart-health-programs ++ Eligibility criteria apply. For more information visit hcf.com.au/joint-health-programs ## Eligibility criteria applies. For more information see hcf.com.au/calmkids *** Eligibility criteria applies. For more information see hcf.com.au/healthyfamilies ^^^ Eligibility criteria applies. For more information see hcf.com.au/sleepfit +++ Eligibility criteria applies. For more information see hcf.com.au/daybreak ### You must have had hospital cover for 12 months and a specialist consultation to use this service. Excludes Accident Only Basic cover, conditions apply. **** Available with HCF-contracted providers, subject to your location and your hospital cover. Waiting periods apply. You must have a suitable home environment to be treated in. ^^ Eligibility criteria apply. For more information visit hcf.com.au/heart-health-programs Find a provider Find an HCF Dental Centre Find an HCF Eyecare Centre Feedback & complaints Customer service Privacy information & trust centre Compare health insurance Switch health insurance Health insurance Corporate health search Overseas Visitor Health Cover Life & Recover Cover Travel insurance Ambulance cover Medical advisory panel Other resources Forms and brochures Health programs Terms & conditions © 2026 HCF All rights reserved The Hospitals Contribution Fund of Australia Ltd. ABN 68 000 026 746 AFSL 241 414 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 Our website uses first and third-party cookies such as Google Analytics to offer you a better browsing experience. To learn more about how we use cookies, please visit our Privacy Policy