Just great health insurance

^{^} 100% back through More for You providers in our No-Gap network is available on selected covers. Waiting periods and annual limits apply. Providers are subject to change. We recommend that you confirm the provider prior to your appointment. See hcf.com.au/100back

^# This service is not affiliated or associated with HCF in any way. You should make your own enquiries to determine whether this service is suitable for you. If you decide to use this service, it’ll be on the basis that HCF won’t be responsible, and you won’t hold HCF responsible, for any liability that may arise from that use.

^~ Eligibility criteria applies. You can access HCF Thank You offers after you’ve been a member for a week, and if your premiums are up to date. Excludes Ambulance Only and Overseas Visitors Health Cover. Offers and partners are subject to change without advance notice. See the HCF Thank You Terms available at hcf.com.au

^~~ Flip advice is general in nature. We don’t take into account your personal circumstances, so please consider how appropriate it is for you before taking action. It’s important to read the Promo Terms, Product Disclosure Statement and Financial Services Guide and Target Market Determination before signing up, too.

HCF Life Insurance Company Pty Ltd ABN 37 001 831 250, AFSL 236 806 (HCF Life) is the issuer of Flip Insurance. Flip Insurance Pty Ltd ABN 71 648 680 960, ARN 001288198 (Flip Insurance) is a wholly owned subsidiary and authorised representative of HCF Life. HCF Life is a wholly owned subsidiary of The Hospitals Contribution Fund of Australia Limited ABN 68 000 026 746, AFSL 241 414 (HCF), and acts on its own behalf.

Premiums for Flip cover are paid to HCF Life. HCF receives commission of 80% of HCF Life’s underwriting profit each year calculated as premiums less claims and expenses. Flip Insurance may receive remuneration from HCF Life for the financial services it provides in relation to Flip cover. Flip Insurance and HCF Life employees receive a salary, paid by HCF Life, for the financial services they provide in relation to Flip cover. In addition, HCF, HCF Life and Flip Insurance employees may also receive an incentive depending on the total revenue and profitability of Flip products, and for meeting their compliance obligations. This remuneration is provided on a discretionary basis and may vary from time to time.

^** HCF members who have held eligible cover for at least 1 week and are up to date with their premiums can save 5% on HCF Home, Landlord and Car Insurance. For this offer, eligible cover includes all Hospital and Extras products, plus selected Life and Recover Cover products (see HCF Thank You terms and conditions for the full list) and excludes Overseas Visitor Health Cover and Ambulance Only Cover. To redeem the discount HCF members must have the HCF My Membership app or online member services set up, and be logged in when you quote and buy a new HCF Home, Landlord and/or Car Insurance policy online via the HCF Thank You webpage.​

The discount will be applied to standard premiums (including for optional covers except for Domestic Worker's Compensation if available and selected for HCF Home Insurance and Landlord Worker's Compensation if available and selected for HCF Landlord Insurance) after all other eligible discounts, to the extent that any minimum premium is not reached (noting that if you are eligible for more than one discount, we apply each of them in a predetermined order to the premium as reduced by any prior applied discounts/entitlements). The discount does not apply to taxes and government charges. The discount will continue to apply automatically in the event the policy is renewed, while this offer continues. ​

HCF reserves the right to change, remove or amend this offer without providing written notice. Visit the HCF Thank You Terms or the relevant section of the HCF My Membership app for further information and terms and conditions.​

^{^^} HCF members who have held eligible cover for at least 1 week and are up to date with their premiums may claim a Visa e-Gift card worth up to $150. For this offer, eligible cover includes all Hospital and Extras products, plus selected Life and Recover Cover products (see HCF Thank You terms and conditions for the full list) and excludes Overseas Visitor Health Cover and Ambulance Only Cover. To claim the Visa e-Gift card HCF members must successfully input the promotion code when you quote and buy a new HCF Home, Landlord and/or Comprehensive Car Insurance policy online during the promotion period (6 February 2025 12.01am AEDT until 31 March 2025 11.59pm AEDT). Visa e-Gift cards will be distributed by 17 April 2025 unless your Home Insurance, Landlord and/or Comprehensive Car policy is cancelled prior. The value of the Visa e-Gift card you are eligible for is based on your HCF Thank You membership tier status. ​

HCF reserves the right to change, remove or amend this offer without providing written notice. Visit http://www.allianz.com.au/hcf-campaign for terms and conditions.

^## The Hospitals Contribution Fund of Australia Ltd ABN 68 000 026 746 AFSL 241414 (HCF) arranges Home and Contents Insurance, Motor Insurance and Landlord Insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 234708 (Allianz). 

HCF and Allianz do not provide any advice based on any consideration of your objectives, financial situation or needs. Policy terms, conditions, limits, applicable sub-limits and exclusions apply. Before making a decision:

• in relation to Home and Contents Insurance, please consider the relevant Home and Contents Insurance Product Disclosure Statement (PDS), any applicable supplementary PDS, the Home Buildings or Home Contents Key Fact Sheets and the Financial Services Guide. The relevant Target Market Determination is available by calling 1300 657 046. 

• in relation to Motor Insurance, please consider the relevant Motor Insurance Product Disclosure Statement (PDS), any applicable supplementary PDS and the Financial Services Guide. The relevant Target Market Determination is available by calling 1300 657 046. 

• in relation to Landlord Insurance, please consider the relevant Landlord Insurance Product Disclosure Statement (PDS), any applicable supplementary PDS, the Landlord Buildings or Landlord Contents Key Facts Sheets and the Financial Services Guide. The relevant Target Market Determination is available by calling 1300 657 046.  

If you purchase a policy of Home and Contents Insurance, HCF will receive a commission of up to 10% of the premium for each HCF Home and Contents Insurance policy issued or renewed on or before 30 August 2024 and up to 5% of the premium for each HCF Home and Contents Insurance policy issued or renewed after 30 August 2024. If you purchase a policy of Motor Insurance or Landlord Insurance, HCF will receive a commission of up to 5% of the premium for each HCF Motor Insurance policy or HCF Landlord Insurance policy issued or renewed. HCF may also receive a share of up to 40% of the underwriting profit for HCF Home and Contents Insurance, HCF Motor Insurance and HCF Landlord Insurance policies. Ask us for more details before we provide you with services.

⁺⁺ Winner of the 2024 Outstanding Value Health Insurance Award, Hospital Insurance Award in WA, SA and Qld and Hospital and Extras Award in Tas, Vic and WA.

^*** HCF will apply six weeks free cover and waive the 2-month waiting periods on extras for eligible members in accordance with these terms (Offer). Offer commences at 00:00 AEDT on Monday 17 February 2025 and ends at 23:59 AEST on Thursday 17 April 2025 (Offer Period). To be eligible for this Offer, you must be an Australian resident, aged 18 years or over, you must join combined HCF hospital & extras cover (excluding Hospital Premium Gold and Hospital Optimal Gold cover, Corporate Hospital Premium Gold, and Overseas Visitors Health Cover) (Eligible Policy), you must start your Eligible Policy during the Offer Period and you must not have been an HCF member 2 months prior to taking out the Eligible Policy. If you're eligible, HCF will waive the 2-month waiting periods that apply to extras on your Eligible Policy. To be eligible for the six weeks free cover, you must also pay premiums for and maintain your Eligible Policy for 90 continuous days. HCF will extend the date your Eligible Policy is paid to by six weeks and may take up to six weeks to process the extension. HCF may, at its discretion, not permit this offer to be combined with other offers.