Cbus members get more with HCF

As a Cbus member you and your family can access discounted health insurance with HCF, Australia's largest not-for-profit health fund.

With HCF, you'll enjoy member benefits such as:

Discounted premiums

Receive a 5% discount on already reduced corporate premiums.†

100% back on selected extras

100% back on certain claims for dental, optical, physiotherapy, chiropractic and podiatry.*

Waived waiting periods

The usual 2 and 6 month waiting periods are waived for extras such as dental, optical, physio and more.^

Claim more with ‘Limit Boost’

You have the option to top up your annual limit on dental and optical.#

Save on excess

There’s no excess for children on any plan and no excess for same day procedures on top hospital.

Bonus offer**

For a limited time, when you take out Couples or Family cover, you’ll receive a $200 eftpos voucher, and if you take out Singles cover, you’ll receive a $100 eftpos voucher.

Not sure what cover you need?

HCF's experienced health cover advisers can help you choose the right cover for your needs. 

Call 1800 880 049 or visit the HCF website.

When compared with equivalent levels of cover in the HCF retail range.

*Available at over 10,000 participating HCF providers on selected extras covers. Up to your annual limit.

^Available when you take hospital and extras cover. Waiver does not apply to waiting periods of more than 6 months, including 12 months for pregnancy and birth-related services, pre-existing ailments and conditions. Excludes all hospital services including the same day excess and ambulance cover. Psychiatric, rehabilitation and palliative care services, which have a 2 month waiting period, are also excluded from this waiver offer. Some longer waiting periods and conditions apply.

#Starting after your first 12 months of Extras cover and growing every year up to year six. Unused Limit Boost cannot be carried into the following year.

**Open to Australian residents 18+ who are not a HCF member as at 01/03/17 and who take out HCF hospital and extras cover under the Cbus Corporate Health Plan by 31/03/17 and pay for one month’s membership. Eftpos voucher is provided directly by HCF, max 1 voucher per policy. Offer not available with Overseas Visitors Health Cover. Terms and conditions apply and can be obtained by calling the HCF Corporate Sales Representative on 1800 880 049.

This information is about products and services available from Hospitals Contribution Fund of Australia Ltd ABN 68 000 026 746 AFSL 241414 (HCF). It does not consider the needs or circumstances of any particular individual. Cbus does not recommend, endorse or accept any responsibility for the products and services offered by HCF. Applications for health insurance are subject to HCF terms and conditions, and Cbus does not have any authority or influence on the outcome of any application made. It is important you consider the relevant disclosure material from HCF to decide if the product is right for you. To find out more about HCF products visit the HCF website at cbus.hcf.com.au or call 1800 880 049. The information is correct and accurate as at 1 March 2017.