BankMate

HCF health insurance

19 policies. A year for a single in New South Wales, after the full rebate · hospital cover ranked among policies at the same level with a $750 excess.

Hospital cover · 8

  • HCF Hospital Optimal GoldOnly with extras

    Gold · 38 of 38 categories plus accidents · $750 a stay

    $4,991a year after the rebate
    Hospital tier
    Gold
    Covers
    38 of 38 categories plus accidents
    Excess
    $750 a stay
    Before the rebate
    $6,578 a year ($548.15 a month)
    After the rebate
    $4,991 a year ($415.95 a month)

    Sold only beside the insurer’s own extras.

    Go to site
  • HCF Hospital Standard Silver Plus

    Silver Plus · 29 of 38 categories plus accidents · $750 a stay

    $1,5117th of 75

    a year after the rebate

    Hospital tier
    Silver Plus
    Covers
    29 of 38 categories plus accidents
    Excess
    $750 a stay
    Before the rebate
    $1,992 a year ($165.99 a month)
    After the rebate
    $1,511 a year ($125.96 a month)
    Go to site
  • HCF Hospital Silver Plus

    Silver Plus · 33 of 38 categories plus accidents · $750 a year

    $2,23847th of 75

    a year after the rebate

    Hospital tier
    Silver Plus
    Covers
    33 of 38 categories plus accidents
    Excess
    $750 a year
    Before the rebate
    $2,949 a year ($245.76 a month)
    After the rebate
    $2,238 a year ($186.49 a month)
    Go to site
  • HCF Hospital Bronze Plus

    Bronze Plus · 25 of 38 categories plus accidents · $750 a stay

    $1,24217th of 48

    a year after the rebate

    Hospital tier
    Bronze Plus
    Covers
    25 of 38 categories plus accidents
    Excess
    $750 a stay
    Before the rebate
    $1,637 a year ($136.44 a month)
    After the rebate
    $1,242 a year ($103.53 a month)
    Go to site
  • HCF Hospital Bronze

    Bronze · 18 of 38 categories plus accidents · $750 a stay

    $1,1507th of 48

    a year after the rebate

    Hospital tier
    Bronze
    Covers
    18 of 38 categories plus accidents
    Excess
    $750 a stay
    Before the rebate
    $1,516 a year ($126.31 a month)
    After the rebate
    $1,150 a year ($95.85 a month)
    Go to site
  • HCF Hospital Basic Plus

    Basic Plus · 9 of 38 categories plus accidents · $750 a stay

    $1,03114th of 39

    a year after the rebate

    Hospital tier
    Basic Plus
    Covers
    9 of 38 categories plus accidents
    Excess
    $750 a stay
    Before the rebate
    $1,359 a year ($113.23 a month)
    After the rebate
    $1,031 a year ($85.92 a month)
    Go to site
  • HCF Reciprocal Health Cover Basic

    Basic · 3 of 38 categories, as a public patient · $750 a stay

    $9573rd of 39

    a year after the rebate

    Hospital tier
    Basic
    Covers
    3 of 38 categories, as a public patient
    Excess
    $750 a stay
    Before the rebate
    $1,261 a year ($105.05 a month)
    After the rebate
    $957 a year ($79.71 a month)
    Go to site
  • HCF Accident Only Basic

    Basic · Accidents only · $750 a stay

    $1,0169th of 39

    a year after the rebate

    Hospital tier
    Basic
    Covers
    Accidents only
    Excess
    $750 a stay
    Before the rebate
    $1,339 a year ($111.57 a month)
    After the rebate
    $1,016 a year ($84.66 a month)
    Go to site

Extras cover · 8

  • HCF Ambulance Only
    $62a year after the rebate
    Before the rebate
    $82 a year ($6.84 a month)
    After the rebate
    $62 a year ($5.19 a month)
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  • HCF Starter Extras

    Pays back $367 on a typical year · 7 services

    $165a year after the rebate
    Pays back
    $367 on 2 dental check-ups, a pair of glasses and 4 physio visits, at typical fees
    Extras services
    7 covered
    Before the rebate
    $217 a year ($18.12 a month)
    After the rebate
    $165 a year ($13.75 a month)
    Go to site
  • HCF Starter Extras (With Optical)

    Pays back $472 on a typical year · 8 services

    $218a year after the rebate
    Pays back
    $472 on 2 dental check-ups, a pair of glasses and 4 physio visits, at typical fees
    Extras services
    8 covered
    Before the rebate
    $287 a year ($23.94 a month)
    After the rebate
    $218 a year ($18.17 a month)
    Go to site
  • HCF Flex MY Extras

    Pays back $745 on a typical year · 9 services

    $370a year after the rebate
    Pays back
    $745 on 2 dental check-ups, a pair of glasses and 4 physio visits, at typical fees
    Extras services
    9 covered
    Before the rebate
    $487 a year ($40.59 a month)
    After the rebate
    $370 a year ($30.80 a month)
    Go to site
  • HCF MID Extras

    Pays back $649 on a typical year · 13 services

    $450a year after the rebate
    Pays back
    $649 on 2 dental check-ups, a pair of glasses and 4 physio visits, at typical fees
    Extras services
    13 covered
    Before the rebate
    $593 a year ($49.40 a month)
    After the rebate
    $450 a year ($37.49 a month)
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  • HCF Choose My Extras

    Pays back $780 on a typical year · 20 services

    $613a year after the rebate
    Pays back
    $780 on 2 dental check-ups, a pair of glasses and 4 physio visits, at typical fees
    Extras services
    20 covered
    Before the rebate
    $808 a year ($67.37 a month)
    After the rebate
    $613 a year ($51.12 a month)
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  • HCF Vital Extras

    Pays back $711 on a typical year · 24 services

    $774a year after the rebate
    Pays back
    $711 on 2 dental check-ups, a pair of glasses and 4 physio visits, at typical fees
    Extras services
    24 covered
    Before the rebate
    $1,019 a year ($84.95 a month)
    After the rebate
    $774 a year ($64.46 a month)
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  • HCF TOP Extras

    Pays back $783 on a typical year · 24 services

    $1,020a year after the rebate
    Pays back
    $783 on 2 dental check-ups, a pair of glasses and 4 physio visits, at typical fees
    Extras services
    24 covered
    Before the rebate
    $1,345 a year ($112.05 a month)
    After the rebate
    $1,020 a year ($85.03 a month)
    Go to site

Hospital and extras together · 3

  • HCF MY Family Silver Plus

    Silver Plus · 30 of 38 categories plus accidents · $750 a stay

    $2,848a year after the rebate
    Hospital tier
    Silver Plus
    Covers
    30 of 38 categories plus accidents
    Excess
    $750 a stay
    Pays back
    $649 on 2 dental check-ups, a pair of glasses and 4 physio visits, at typical fees
    Extras services
    16 covered
    Before the rebate
    $3,754 a year ($312.81 a month)
    After the rebate
    $2,848 a year ($237.37 a month)
    Go to site
  • HCF MY Family Advanced Silver Plus

    Silver Plus · 30 of 38 categories plus accidents · $750 a stay

    $3,159a year after the rebate
    Hospital tier
    Silver Plus
    Covers
    30 of 38 categories plus accidents
    Excess
    $750 a stay
    Pays back
    $711 on 2 dental check-ups, a pair of glasses and 4 physio visits, at typical fees
    Extras services
    22 covered
    Before the rebate
    $4,163 a year ($346.91 a month)
    After the rebate
    $3,159 a year ($263.24 a month)
    Go to site
  • HCF MY Future Basic Plus

    Basic Plus · 10 of 38 categories plus accidents · $750 a stay

    $1,321a year after the rebate
    Hospital tier
    Basic Plus
    Covers
    10 of 38 categories plus accidents
    Excess
    $750 a stay
    Pays back
    $356 on 2 dental check-ups, a pair of glasses and 4 physio visits, at typical fees
    Extras services
    12 covered
    Before the rebate
    $1,740 a year ($145.04 a month)
    After the rebate
    $1,321 a year ($110.06 a month)
    Go to site
Compare all 31 insurers

April 20268 changes

  1. 5Sun
    • HCF Starter Extras (With Optical)$23.56 → $23.94 a month before the rebate
      +1.6%
    • HCF Vital Extras$83.60 → $84.95 a month before the rebate
      +1.6%
    • HCF Flex MY Extras$39.95 → $40.59 a month before the rebate
      +1.6%
    • HCF Hospital Basic Plus$109.30 → $113.23 a month before the rebate
      +3.6%
    • HCF Hospital Optimal Gold$438.52 → $548.15 a month before the rebate
      +25.0%
    • HCF MID Extras$47.94 → $49.40 a month before the rebate
      +3.0%
    • HCF Reciprocal Health Cover Basic$102.50 → $105.05 a month before the rebate
      +2.5%
    • HCF TOP Extras$110.72 → $112.05 a month before the rebate
      +1.2%

Compare health insurance for your own household · Health insurance leaderboard. Side by side with Bupa, Medibank, nib, HBF or another insurer.

Notes on HCF policies

to leave a note.

As of 23 October 2026, HCF sells 19 health insurance policies tracked by BankMate, priced here for a single in New South Wales after the full government rebate. Its cheapest Silver hospital cover with a $750 excess is HCF Hospital Standard Silver Plus at $1,511 a year, 7th of 75 Silver policies. Prices are from the statements every insurer files with the government, and change each 1 April. From the Private Health Information Statements every insurer files with the government, published monthly by PrivateHealth.gov.au.