*5% corporate discount is not available on Future Care and Flex My Extras products.
**89.2% compared to 85.6% across the industry. Calculated based on the average of the past 10 years, sourced from APRA Statistics: Private Health Insurance Operations Reports 2014–23.
^100% back through HCF's No-Gap network is available on selected covers. Waiting periods and annual limits apply. HCF's network of healthcare providers change often Please check that your provider is part of HCF's network before you book or attend an appointment. See hcf.com.au/100back
~ 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.