Health insurance that puts you first

As Australia’s largest not-for-profit health fund, members’ interests are at HCF’s heart. Instead of pressure to pay dividends to shareholders, HCF returns more in benefits to members, e.g. in 2014 HCF returned 93c per dollar to members, while the average for other funds was only 87c (PHIAC data FY 2014). And, HCF invests more than any other fund in providing health and wellbeing programs to its members (PH IAC data FY 2014). When you’re with HCF, it’s all about you.

Highlights of the Victorian Public Sector health plan

• HCF’s flexible new range of covers let you take control of your health cover. Mix & match hospital and extras to create the package that’s right for you or take hospital or extras on their own
• Receive a 5% discount on top of the reduced pricing of our corporate covers
• Get 100% back on certain claims for dental, optical, physio, chiro and podiatry^
• Claim immediately on extras such as dental, optical, physio and more with the usual 2 & 6 month waiting periods waived*
• No excess for kids

Switching to HCF is easy

If you already have health insurance, switching to HCF is easy. HCF will contact your current fund for you. Plus, you'll have no additional waiting periods to serve for equivalent levels of cover (excludes hearing aids).

Visit www.hcf.com.au/vps for more information.

Join today

Contact your experienced HCF health cover adviser to help you choose the right level of cover for your needs.

Glen Robson

Ph: 0414 559 734

Email: grobson@hcf.com.au

Quote: Emergency Memberlink

^Available at over 10,000 participating HCF providers on selected extras covers. Annual limits apply. *Available when you take hospital and extras cover. Some longer waiting periods and conditions apply. Excludes all hospital services including the same day excess and ambulance cover.