++For eligible members who join HCF via any channel between 23 September 2025 and 23 October 2025 HCF will apply six 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 AEST on Tuesday 23 September 2025 and ends at 23:59 AEDT on Thursday 23 October 2025 (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 Hospital Premium Gold and Optimal Gold cover, Corporate Hospital Premium Gold, 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 six weeks free cover, you must also pay premiums for and maintain your Eligible Policy for 90 continuous days. HCF will extend the date your Eligible Policy is paid to by six weeks and may take up to six weeks to process the 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).
*5% corporate discount excludes Future Care, Corporate Flex My Extras, Corporate Choose My Extras and Corporate Basic Plus. Discount does not apply to any Lifetime Health Cover loading.
**88.8% compared to 85.3% across the industry. Calculated based on the average of the past 10 years, sourced from APRA Statistics: Operations of Private Health Insurers Annual Report data 2014-23 and Quarterly private health insurance statistics July 2023 – March 2024.
^ 100% back at More for You program providers in our No-Gap network is available on selected covers. Waiting periods and annual limits apply. Our No-Gap network of healthcare providers changes often. Please check that your provider is part of our No-Gap network before you book or attend an appointment. See hcf.com.au/100back. ^^^Excludes add-ons like high index material, coatings and tinting
~ Must visit the emergency department within 24 hours of the accident. Excludes Accident Only Basic cover. See hcf.com.au/accident-safeguard for more information.
^^ Singles and Couples only. Flexible $650 single limit plus $175 optical limit and $100 remedial massage and myotherapy limit per person, per year.