*5% corporate discount is not available on Future Care and Flex My Extras products. Discount does not apply to any lifetime health cover loading.
** 88.7% compared to 84.4% 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 2015–24 and Quarterly private health insurance statistics July 2024–June 2025.
^ 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.