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HCF is a private health insurer that operates as an open health fund.
It is Australia’s largest not-for-profit health fund and claims to have almost 1.8 million members.
Background
HCF began as the Metropolitan Hospitals Fund, which was established in Sydney in 1932. Its original objective was to insure the local community for the cost of hospital care. In 1942, HCF expanded to offer hospital cover to anyone living in NSW and changed its name to the Hospital Contributions Fund of NSW.
In the 1960s, HCF extended to Queensland, Victoria and Tasmania and became the Hospital Contributions Fund of Australia.
The insurer merged with RT Health, Australia’s oldest health fund, in 2021.
In 2022, HCF entered a 5-year agreement with Ramsay Health Care to make health care more accessible and affordable for HCF members.
Who can join HCF?
Anyone can join HCF because it is an open health fund.
For residents of NSW and ACT, Hospital and Extras Cover includes emergency Ambulance Cover.
For residents of NT, SA, VIC and WA, you need to take out Ambulance Only Cover or subscribe with your local ambulance service.
For residents of QLD and TAS, you are already covered by your local state-based ambulance service.
Does HCF offer corporate policies?
Yes. HCF provides corporate policies to certain organisations. Search your organisation’s website or intranet to find out whether a corporate health insurance policy is available to you, and what conditions apply.
Does HCF have agreements with some private hospitals or day hospitals to provide services at low cost or with no out-of-pocket costs?
Yes. HCF has agreements with a number of private hospitals that allow it to provide services to its members at low cost or with no out-of-pocket costs:
Location
Number of private Agreement Hospitals
Industry maximum
ACT
5
6
NSW
89
98
NT
1
2
QLD
49
60
SA
19
23
TAS
5
9
VIC
65
76
WA
18
24
HCF alsohasagreements with a number of day hospitals allowing it to provide services at low cost or with no out-of-pocket costs:
Yes. HCF is a member of Private Healthcare Australia (PHA), a body that represents 20 registered health insurers and 97% of people covered by private health insurance.
It is also a member of the Members Health Fund Alliance, an alliance of not-for-profit, member-owned, regional or community-based health insurers.
Does HCF let me claim online or via an app?
Yes. HCF allows you to make a claim online using your HCF member login. You can upload your extras or ambulance claim with the HCF My Membership app or in online member services. With most providers, you can claim on the spot with your physical or digital membership card.
