HCF Health Insurance is a non profit organisation, enabling them to be less worried about company profits & more worried about providing great customer service to their exisiting & new customers. They offer generous benefit limits on all policies & won’t charge you a hospital excess for accidents or same-day surgery & also include medical gap cover in all of their Hospital covers.

1. HCF are one of the only Health Insurers to include a 30 day trial period with their cover, if you’re not happy you’ll get a full refund.
2. Hosptial Excess is capped at $50 per night per person, so you know exactly what you’re paying.
3. HCF have a no-gap arrangement with over 15,000 doctors Australia wide, so that means there’s less chance of you paying that gap out of your own pocket.

HCF also has a large retail presence with over 50 branches Nationwide, so if you’re not comfortable dealing online or over the phone there’s always a friendly face to talk to.

Website: www.hcf.com.au

Insurance Types Offered: Hospital & Extras, Hospital Only, Extras Only, Ambulance Cover

Average Policy Excess: Choice of $0 or $50 per night

Time taken for a Quote Online: ~4 minutes