Terms and conditions
New members who join eligible hospital and extras cover by 10 November 2026 and stay for 90 days can get 6 weeks free, plus 2-month waiting periods waived on extras%%.

%% For new members who join HCF between 15 September 2026 and 10 November 2026, HCF will apply six weeks free cover and waive the 2-month waiting periods on extras for new members in accordance with these terms (Offer). Offer commences at 00:00 AEST on Tuesday 15 September 2026 and ends at 23:59 AEDT on Tuesday 10 November 2026 (Offer Period). To be a new eligible member for this Offer, you must be an Australian resident, aged 18 years or over, you must take out combined HCF hospital & extras cover (excluding any Gold level, Bronze Plus and My Family cover and Overseas Visitors Health Cover) (Eligible Policy), you must start your Eligible Policy during the Offer Period, you must not have been insured under an RT Health or HCF health insurance policy in the 2 months prior to taking out the Eligible Policy and you must not have received any promotional discount or weeks free cover on any RT Health or HCF health insurance policy within the 12 months prior to receiving the Offer. If you're eligible, HCF will waive the 2-month waiting periods that apply to extras on your Eligible Policy. Waiting periods for extras that are longer than 2 months and all waiting periods for hospital treatment will still apply. To be eligible for the six weeks free cover, you must 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. Not available via a broker. HCF may, at its discretion, not permit this Offer to be combined with other offers. HCF may amend the Offer terms and conditions and/or terminate this Offer at any time without notice (except in relation to members that have taken out an Eligible Policy prior to the amendment or termination).

• Australian Government Rebate has been applied if you selected an income level less than $164,001 for single or less than $328,001 for family. Price excludes any Lifetime Health Cover loading.

~~ Available if you change your mind and cancel your HCF policy within 30 days of joining, and haven't made a claim in that period.