HCF via Compare Club

HCF, the Hospitals Contribution Fund of Australia, is a Sydney-based health fund founded in 1932 that describes itself as Australia's largest not-for-profit health fund, with over 2 million members. It sells hospital, extras and combined policies, plus overseas visitors cover, and offers life, travel, pet, home and car insurance through partners. On ShopBack Australia the merchant is listed as HCF via Compare Club, which means the cashback flow runs through Compare Club's comparison and application service rather than hcf.com.au directly. Start from the ShopBack HCF page to earn cashback on a completed policy sale at the current published rate.

HCF Thank You is HCF's loyalty program for existing members, offering everyday savings and offers; HCF says it delivered 16 million dollars in everyday savings to members through the program during the pandemic period. HCF also points to 100 percent back on dental check-ups and first visits to a physio, chiro or osteo through its No-Gap provider network on eligible extras cover. These are member benefits once you are insured and are separate from ShopBack cashback, which is paid once on the completed policy sale made through Compare Club after clicking through from the ShopBack HCF page. Check current program terms on hcf.com.au.

HCF's home page states that new members who join between 15 September 2026 and 10 November 2026 can receive 6 weeks free and have 2-month waiting periods waived on extras, provided they hold combined hospital and extras cover for 90 continuous days; waiting periods for extras longer than 2 months and all hospital waiting periods still apply. Industry promotions cluster before 1 April when premiums change, before 30 June for people avoiding the Lifetime Health Cover loading, and in the September to November window. Whether a hcf.com.au offer also applies to a policy sold through Compare Club is something to confirm on the Compare Club quote before you rely on it. ShopBack cashback is separate and tracks on the completed sale.

Waiting periods are set by the fund, not the intermediary, so joining HCF through Compare Club carries the same waiting periods as joining direct. HCF's current offer waives 2-month waiting periods on extras for new members in the promotional window, while longer extras waits and all hospital waits still apply. If you are switching from another fund at an equal or lower level of cover, waiting periods you have already served are recognised, so bring your current policy details to the quote. None of this changes ShopBack cashback, which depends only on the sale completing and not being cancelled inside the confirmation window.

Medibank is a listed, for-profit insurer. HCF is member-owned and not-for-profit, and says it has paid out 89.2 percent of premiums in benefits over the past decade compared with 85.6 percent across the industry. Hospital tiers are standardised by government, so compare the specific tier, excess, extras limits and provider networks near you rather than the brand. Compare Club lists both funds, compares on price only and does not compare every policy in the market. HCF is the one on ShopBack via Compare Club, so a completed HCF sale through the ShopBack HCF page earns cashback at the current published rate. For a deeper look, see Bupa vs Medibank vs HCF vs NIB for couples under 40 Australia 2026.

Bupa is one of the largest health insurers in Australia and part of the international Bupa group, with a wide provider network and its own dental and optical outlets. HCF is the largest not-for-profit fund, Australian-owned, and points to its No-Gap provider network for 100 percent back on dental check-ups and first allied health visits on eligible extras. The practical comparison is premium at your chosen tier, excess options, and whether your usual dentist, physio and hospital are in each network. Compare Club's HCF page lists four HCF hospital plans from Bronze Plus to Premium Gold and five extras packages. Only HCF via Compare Club is on ShopBack, so the cashback applies to a completed HCF sale started from the ShopBack HCF page.

Compare Club is a health insurance intermediary that compares policies from eight funds including Bupa, AHM and HCF. It is free to use; Compare Club states the insurer remunerates it for setting up your policy. You start a quote online or by phone on 1300 11 CLUB, receive quotes from the insurer, and Compare Club handles the application while leaving the final decision to you. For ShopBack, click through from the ShopBack HCF page to Compare Club, complete the quote and application in that session, and the cashback tracks within 2 days once the HCF policy sale completes. Only a completed sale is eligible.

Two government settings drive the timing. The Lifetime Health Cover loading adds a surcharge to hospital premiums for people who take out hospital cover after 1 July following their 31st birthday, so people turning 31 often join before that date. The Medicare Levy Surcharge applies to higher earners without eligible hospital cover and is assessed per day of the financial year, so joining mid-year only reduces it for the days you are covered. Premiums typically change on 1 April, which is why funds run pre-April campaigns. Check your own position with the ATO or a tax adviser; ShopBack cashback does not change any of it.

Click through fresh from the ShopBack HCF merchant page to Compare Club, accept cookies on the Compare Club site, and complete the HCF quote and application in the same browser session. Only a completed sale is eligible, so an abandoned quote or an application that is not approved does not earn cashback. Do not use voucher or promo codes that are not listed on ShopBack. Cashback is tracked within 2 days and confirmed within 135 days, at the amount or rate currently published on the ShopBack HCF page. Fees, taxes and service charges are excluded.

Yes. ShopBack's HCF via Compare Club terms state that rejected, cancelled, refunded, exchanged or returned purchases are not eligible for cashback. Because confirmation takes up to 135 days, a policy cancelled in the cooling-off period or lapsed before confirmation has its pending cashback removed; HCF's 6 weeks free offer separately requires 90 continuous days of combined cover. If the pending cashback has not appeared in your ShopBack account within 7 days of the policy being set up, lodge a missing cashback claim with your Compare Club reference and HCF membership number.