In the current economic climate it makes good sense to save money wherever possible. This is why the 8per cent discount offered by HCF on health insurance represents such good value. Apart from getting special rates, there are also some more great reasons to choose HCF for your health insurance needs. 
 
HCF gives members more. 
 
HCF is not-for-profit so members get more, not shareholders – last year HCF paid back 90 cents in the dollar as benefits compared to an industry average of only 85 cents. You’ll also benefit from more cover for the services you’re likely to use most, like dental, optical, physiotherapy and chiropractic.  
 
Health cover from only $2.12* a day. 
 
HCF hospital and extras cover starts from only $2.12* a day, including the 8 per cent discount and 30 per cent Government rebate (based on the Hospital Advanced Savings option with General Extras cover at NSW singles rates - $450 Hospital excess option). You’ll have outstanding private hospital access along with no charge for basic dental services through HCF’s Oral Health program, saving you money.  
 
Switching to HCF is easy. 
 
If you want to switch from another health fund, it couldn’t be easier. HCF will contact your current fund and do the paperwork for you. 
 
If you’re switching to an equivalent level of HCF cover, you won’t have to re-serve any waiting periods.  
 
Or, if you’re taking out private health insurance for the first time, HCF will waive the usual two & six month waiting periods on over 20 health benefits, including dental, optical and physio if you take out combined hospital and extras cover. Some longer waiting periods and conditions still apply – ask for details.  
 
To take advantage of discounted quality health cover from HCF email at services@hcf.com.au 
or call 1800 44 22 77. 
 
HCF is a not-for-profit, so members get more, not shareholders.