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HCF has built a reputation as a leading provider of no gap medical cover. Basic Hospital cover is available in the form of the Advanced Saver policy while the Top Plus package caters for those wanting broader cover and is aimed at over 65s in particular. If you’re only looking for Extras cover, the Multicover package includes a range of popular services including dental, optical, therapies and natural therapies. Combined Hospital and Extras cover is also available and includes packages aimed at young singles and couples, families, older singles and couples, and couples that are planning to start a family.

  • HCF has agreements with private hospitals across Australia.
  • Members with Extras cover can get dental and optical benefits at HCF Dental and Eyecare Centres in NSW (and in Specsavers stores)
  • Members are rewarded for each year that they retain their membership e.g. Extras limits rising year-on-year.

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