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HCF Health Insurance

by HCF

★★★★☆4.5(5,432 reviews)

HCF is a not-for-profit health insurer consistently rated highest for member satisfaction and value in Australia.

Monthly Premium

AUD 100 - AUD 380

Deductible

AUD 0 - AUD 750

Coverage Type

premium
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Coverage Details

✓Hospitalization
✓Outpatient Care
✓Dental
✓Vision
✓Mental Health
✓Maternity
✓Prescription Drugs
✓Emergency Care
✗International Coverage
✓Telehealth

Pros

  • ✓Best value for money
  • ✓Highest customer satisfaction
  • ✓Not-for-profit model
  • ✓Good dental extras

Cons

  • ✗Primarily NSW focused
  • ✗Smaller network than Medibank
  • ✗Limited in some states

Editorial Review

“HCF delivers the best combination of value and satisfaction in Australian private health insurance.”

— Choice Magazine Insurance Review 2025

Key Highlights

  • ✓Highest member satisfaction
  • ✓Not-for-profit value
  • ✓Good value premiums

Quick Summary

ProviderHCF
CountryAustralia
Rating4.5/5
Reviews5,432
Typepremium

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