How do I get it?
Join eligible hospital and extras cover by 20 April 2026 to get 4 weeks free after 90 days and another 4 weeks free after 12 months. Plus, 2-month waiting periods waived on extras*.
About HCF
Proudly Australian owned and run, HCF delivers value and peace of mind to over 2 million Australians who trust them to be there when it matters most. As Australia’s largest not-for-profit health fund they’ve paid out more benefits for every dollar their members paid in premiums than the industry average over the last 10 years **.
HCF’s member-driven approach helps keep health cover affordable, rewards members for their loyalty and makes quality care more accessible to more people.
Some of the benefits of joining HCF:
- Get great value and benefits with HCF corporate hospital and extras cover.
- Get 100% back^ on 1 or 2 dental check-ups a year, prescription glasses^^^ from a selected range and a first visit to a physio, chiro or osteo with over 16,000 extras providers in our No-Gap network.
- A free upgrade to Top Hospital Cover for up to 90 days if you’re involved in an accident~.
- Access to HCF Corporate Flex My Extras^^. Its basic extras cover with a single limit plus additional limits for optical and remedial massage that help you get more back on the extras you’ll actually use.
For eligible members who join HCF via any channel between 17 February 2026 and 20 April 2026, HCF will apply eight weeks free cover and waive the 2-month waiting periods on extras for eligible members in accordance with these terms (Offer). Offer commences at 00:00 AEDT on Tuesday 17 February 2026 and ends at 23:59 AEST on Monday 20 April 2026 (Offer Period). To be eligible for this Offer, you must be an Australian resident, aged 18 years or over, you must take out combined HCF hospital & extras cover (excluding any Gold level Hospital cover, Overseas Visitors Health Cover and any partially or fully subsidised Corporate Health Cover) (Eligible Policy), you must start your Eligible Policy during the Offer Period, you must not have been insured under an RT Health or HCF health insurance policy in the 2 months prior to taking out the Eligible Policy and you must not have received any promotional discount on any RT Health or HCF health insurance policy within the 12 months prior to receiving the Offer. If you're eligible, HCF will waive the 2-month waiting periods that apply to extras on your Eligible Policy. Waiting periods for extras that are longer than 2 months and all waiting periods for hospital treatment will still apply. To be eligible for the first four weeks free cover, you must pay premiums for and maintain your Eligible Policy for 90 continuous days. After 12 months of premiums paid, you will be entitled to an additional four weeks free cover. HCF may take up to six weeks to process each extension. Offer is not available with any other corporate joining offer. HCF may amend the Offer terms and conditions and/or terminate this Offer at any time without notice (except in relation to members that have taken out an Eligible Policy prior to the amendment or termination).
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